Scotiabank Passport Visa Infinite Privilege Card
High-income frequent travellers who want premium lounge access and no FX fees within the Scene+ ecosystem.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A premium no-FX travel card with excellent insurance and lounge benefits, but fixed-value Scene+ points make it hard to outvalue cheaper alternatives unless you fully use the perks.
Reward rates
Travel Extra 3x on hotels and car rentals booked through Scene+ Travel | 3x |
Dining | 2x |
Entertainment | 2x |
Everything else | 1x |
VaultNerd values these points at ~1¢ each.
Welcome bonus
Up to 100,000 bonus Scene+ points (30,000 + 45,000 + 25,000)
Requirement: Spend $3,000 in first 3 months (30,000 pts), $20,000 in first 6 months (45,000 pts), and make a purchase in month 14 (25,000 pts). Offer for accounts opened Jan 2 - Apr 30, 2026
Pros
- Generous 100,000-point welcome offer
- 10 lounge visits per cardholder, including supplementary cards
- Top-tier $5M emergency medical insurance with 31-day trips
Cons
- Steep $599 annual fee
- High $150k personal income requirement
- Scene+ points cap value at about 1 cent each, limiting premium-card math
Perks
- No foreign transaction fees
- 10 complimentary airport lounge visits per cardholder per year (Visa Airport Companion, 1,200+ lounges)
- Visa Infinite Privilege concierge and luxury hotel collection benefits
- Complimentary Platinum Status in golf Access Rewards program
- $10,000 minimum credit limit
Insurance
- Travel emergency medical up to $5 million (31 days under 65; 10 days for 65+)
- Trip cancellation and trip interruption insurance
- Flight delay insurance
- Delayed and lost baggage insurance
- Rental car collision/loss damage insurance
- Hotel/motel burglary insurance
- Common carrier travel accident insurance
- Mobile device insurance
- Purchase security and extended warranty
Frequently asked questions
Is the Scotiabank Passport Visa Infinite Privilege Card worth it?
It charges a $599 annual fee, and we rate it 3.9 out of 5. It's best suited to high-income frequent travellers who want premium lounge access and no FX fees within the Scene+ ecosystem. The welcome bonus is worth roughly $1,000, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Scotiabank Passport Visa Infinite Privilege Card earn?
It earns 3x on travel, 2x on dining and 2x on entertainment. We value these points at about 1¢ each, so the top rate works out to roughly 3.0% back.
What credit score do you need for the Scotiabank Passport Visa Infinite Privilege Card?
We'd suggest a score of around 780 or higher, which puts approval in our "hard" band. It also lists an income requirement of $150,000 personal or $200,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Scotiabank Passport Visa Infinite Privilege Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/scotiabank-passport-visa-infinite-privilege, updated June 2026.
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