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Southeast Asia: A month’s travel with points

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Southeast Asia: A month’s travel with points
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Southeast Asia is a great region to get the most value out of your points and travel on a budget. The countries of this region are full of beautiful landscapes and activities for all tastes. Luxury is also much more affordable, especially with reward points. I’m sharing my month-long trip to Southeast Asia and how I used my points for a half-luxury, half-backpack stay.

Southeast Asia: A month's travel with points - thailande

Itinerary

The Southeast Asian traveler’s route is so popular and well established that it has a nickname: the Banana Pancake Trail. The classic itinerary is a loop that starts in Bangkok, crosses northern Thailand, passes through Laos, travels through Vietnam from north to south, ends in Cambodia and then returns to Bangkok. This trip can be done entirely by bus and train, without ever taking a plane.

It is also popular to start in Singapore, cross Malaysia, visit the southern islands of Thailand and then reach Bangkok. For itineraries of several months, some also add some islands in Indonesia (Java, Bali, Borneo) or even the Philippines.

Southeast Asia: A month's travel with points - pancake trail

Since I only had a month, I couldn’t cover the whole region. I limited myself to three countries and elaborated an itinerary that offers a good combination of large urban centers, historical monuments, some rural landscapes and white sandy beaches. I also opted for regional flights over buses to reduce travel time and maximize the time allocated to activities.

Southeast Asia: A month's travel with points - singapour

I chose to visit Singapore for a week, a modern city that has long fascinated me. I then headed to Cambodia for two weeks for the Angkor temples in Siem Reap, the tranquility in Kampot and the island life on Koh Rong Samloem. During my last week, I travelled through the south and center of Vietnam, where I visited my partner’s family. We visited the paradise island of Phu Quoc, Da Lat (a very popular city for local tourism), and Hoi An, a small city that has retained its traditional charm.

Bonus: the city of Seoul! Thanks to a long stopover on my return flight, I visited the South Korean capital for a day.

Southeast Asia: A month's travel with points - seoul -2-

The plane and points

International flights

From Montreal, there are many flight options to Southeast Asia. The largest airports in the region are Singapore (SIN) and Bangkok (BKK). Ho Chi Minh (SGN), Kuala Lumpur (KUL) and Jakarta (CGK) are also air transport hubs.

All these airports are served by a multitude of airlines such as Air Canada, Singapore Airlines, Thai Airways, Qatar Airways, Turkish Airlines, Air France-KLM, British Airways and more. As a result, it’s fairly easy to book flights with points in three popular programs: Aeroplan, Avios and Flying Blue.

Southeast Asia: A month's travel with points - vietnam -2-

Personally, I chose the Aeroplan program for my outbound ticket (YUL-CDG-SIN) and the Avios program for the return (SGN-DOH-YUL). I wanted to try out two airlines with an excellent reputation: Singapore Airlines (member of Star Alliance) and Qatar Airways (member of Oneworld).

Since my Aeroplan award ticket is half on Air Canada and half with a partner, the pricing is partially dynamic. I still got a great price: 48,300 Aeroplan points and $100 in taxes. Please note that there is an additional fee of $39 for reservations with a partner airline.

Southeast Asia: A month's travel with points - yul-cdg-sin

Other choices are available with stopovers in different European cities. Prices are all around 49,000 Aeroplan points + $150 one-way economy class.

Southeast Asia: A month's travel with points - yul-sin-aeroplan

Qatar Airways is also a good option to Singapore. A flat rate of 47,500 Avios points gives you an excellent value for your points, as Qatar Airways flights are expensive when paid in cash.

Southeast Asia: A month's travel with points - yul-sin-qatar

Choices with Star Alliance are slightly more limited for flights to Bangkok. You may be able to take advantage of the new Vancouver-Bangkok route with Air Canada, but you’ll need to get a head start because availabilities are going fast. Otherwise partner flights are offered with Thai Airways or EVA Air.

Southeast Asia: A month's travel with points - yul-yvr-bkk
Southeast Asia: A month's travel with points - yul-bkk-thai airways

Air France also serves Bangkok from Paris. You could book a one-way ticket Montreal-Paris-Bangkok for 53,000 Flying Blue miles. Since this program is a transfer partner of an American Express Privilege Points, it’s easy to earn points with your everyday purchases. Also keep an eye for FlyingBlue promotions as destinations are offered at a discounted price each month!

Southeast Asia: A month's travel with points - yul-sin-af

Qatar Airways also serves most destinations inSoutheast Asia from Montreal. If you wish to travel in business class, flights are 95,000 or 100,000 Avios points depending on the destination. There is also the possibility of First Class on the Doha-Bangkok segment. Since there are limited availabilities for these premium cabin tickets and they are very popular, you need to book almost a year in advance.

Southeast Asia: A month's travel with points - yul-bkk-qatar3

Here is a summary of Avios points for one-way fares from Montreal to Southeast Asia:

DestinationEconomyBusiness class
Singapore (SIN)47,500 points95,000 points
Bangkok (BKK)47,500 points95,000 points
Ho Chi Minh City (SGN)47,500 points95,000 points
Kuala Lumpur (KUL)47,500 points95,000 points
Jakarta (CGK)50,000 points100,000 points
Bali (DPS)50,000 points100,000 points

Initially, I had booked my return ticket from Hô Chi Minh to Montreal with Qatar Airways for 47,500 Avios points + $171. Since I changed my plans at the last minute and had to return on a specific date, there were no award tickets left with Qatar Airways. Fortunately, I was able to cancel my reservation without charge and get all my points back. I then bought a return ticket with Delta Air Lines in cash for $1,371.

Regional flights

Once there, it is easy to take regional flights to move from one country to another or within the same country. Several ultra-low-cost airlines are present in Southeast Asia, offering tickets at extremely low prices (I’m talking $15 for a one-way ticket!). Air Asia and Scoot are particularly popular because of their vast choice of destinations.

On my end, I saved a lot of money on my regional flights thanks to points. Singapore Airlines operates the Singapore-Siem Reap route daily. I bought this ticket from Air Canada for 8,000 Aeroplan points and $100.

Southeast Asia: A month's travel with points - sin-rep

The distance between Phnom Penh in Cambodia and Ho Chi Minh City in Vietnam is only 250 km. On the other hand, the trip by bus is long (more than 7 hours) due to the state of the roads and the wait at the land border. I opted for more comfort with the short one-hour Vietnam Airlines flight between these two cities. I booked through the American Express Travel website and used my annual travel credit and privilege points.

My domestic flights in Vietnam were almost all with Vietnam Airlines. Although low cost airlines offer much lower fares, I decided to pay a little more for an established airline and get a better customer service in case of problems or delays. I paid for these flights with my HSBC World EliteMD MastercardMD, then applied my HSBC Rewards points in statement credit.

In addition, Vietnam Airlines is a member of SkyTeam: flights can be booked with Flying Blue miles or Delta SkyMiles. In practice, I found very little availability with Flying Blue and a little more with Delta. Domestic flights are available for 12,500 SkyMiles and $5 in taxes.

Southeast Asia: A month's travel with points - han-sgn-delta
Annual fee
$150
Our valuation
$350

Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 35,000 points

Ends Nov 1, 2026

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on Scotiabank's website

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

  • No fees for foreign currency transactions
  • 6 complimentary airport VIP lounge passes
  • Excellent insurance for your travels and purchases
  • Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

0%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 2xTransit
  • 2xEntertainment
  • 1xAll spending

Value

1st Year Value$650
2nd Year Value$397

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days

Summary

In total, I used:

At the time of my booking, all these flights combined had a value of $3,236. So I saved almost 50% by using a variety of points! I could have done much better by keeping my return flight with Qatar Airways paid in Avios points but I am still satisfied with my strategy.

Here is a summary table of my reservations:

Montreal-Paris-SingaporeAir Canada and Singapore Airlines48,300 Aeroplan points + $100
Singapore-Siem ReapSingapore Airlines8000 Aeroplan points + $50
Phnom Penh-Ho Chi MinhVietnam Airlines$100 Amex credit + 8,000 Membership Rewards points + $52
Hô Chi Minh-Phu QuocVietnam Airlines18,200 HSBC points
Phu Quoc-Hô Chi Minh-Da LatVietnam Airlines26,400 HSBC points
Da Lat-Da NangBamboo Airways12,400 HSBC points
Da Nang-Seoul-Minneapolis-MontrealVietnam Airlines and Delta$1,371
TheftAirlinePrice

What’s more, my American Express Platinum Card gives unlimited access to a vast collection of airport lounges. I was able to access lounges in Montreal, Singapore, Phnom Penh, Ho Chi Minh, Da Nang, Seoul and Minneapolis.

Southeast Asia: A month's travel with points - tam-coc-golden-harvest-5222569
Annual fee
$799
Our valuation
$1,700

Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 100,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Terms of the offer

  • Unlock special experiences with the newly designed metal Platinum Card
  • New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
  • Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Hotels and Resorts, Hertz® and Avis®
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

The Platinum Card® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards® points:

  • 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
  • 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get:

  • 2 points per $1 on eligible dining and delivery purchases in Canada
  • 2 points per dollar on eligible travel purchases charged to the Card
  • 1 point per $1 on all other purchases charged to the Card

You can use your Membership Rewards® points in many ways:

  • Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
  • Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
  • Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
  • Redeem points for statement credits towards other purchases (1,000 points = $10)
  • And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:

  • 100,000 Aeroplan points
  • 100,000 Avios
  • 100,000 Flying Blue Miles
  • 120,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

  • $200 Annual Travel Credit
  • An annual meal credit of $200
  • A $100 statement credit for NEXUS membership
  • Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
  • Hilton Honors Gold status
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels + Resorts program

Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xTravel
  • 2xRestaurants
  • 1xAll spending

Value

1st Year Value$1,482
2nd Year Value$470

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Card benefits

Concierge service24/7
Airport lounge access$400
Travel creditsIncluded

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Accommodation and points

Southeast Asia is an unparalleled region to use your Marriott Bonvoy points to your advantage. Rates in points are low for high-end hotels like the W, JW Marriott or Westin. The Marriott Bonvoy program has 126 hotels in the region, with the largest selection in Thailand and Malaysia.

Southeast Asia: A month's travel with points - ase-marriott

The Hilton chain also offers some hotels in popular locations. The Hilton Honors program is an American Express Membership Rewards redemption partner, making these points easy to earn with the American Express Cobalt Card.

For my first night, I slept at The Westin Singapore for free using my annual one-night free certificate combined with 5,000 Marriott Bonvoy points. This is an incredible use of the certificate, since the night was worth almost $900!

Southeast Asia: A month's travel with points - marriott-westin-sg
Southeast Asia: A month's travel with points - marriott-westin-sg2

Since I was traveling solo and I like to meet other travelers, I opted for hostels for my other nights in Singapore and Cambodia. I used my HSBC World Elite Mastercard® for these purchases: I saved the conversion fee and was able to apply my points against a statement credit afterwards.

Southeast Asia: A month's travel with points - phu quoc

Once in Vietnam, the solo part ended and I continued my trip as a couple. My partner and I booked three nights at the Sheraton Phu Quoc Long Beach Resort to relax on the beach and enjoy the spa. I used 43,200 Marriott Bonvoy points for two nights plus my partner’s annual certificate for the third night.

Before Marriott Bonvoy’s hotel categories disappeared, the JW Marriott Phu Quoc Emerald Bay Resort & Spa was an outstanding sweetspot. Jean-Maximilien and his family stayed there for 5 nights in 2018 for 100,000 Marriott Bonvoy points! As of now, it takes between 45,000 and 56,000 points per night. The Sheraton Phu Quoc Long Beach Resort is another great budget option in points.

Our other nights in Da Lat and Hoi An were in small independent hotels, booked thorugh Booking.com.

In Da Nang, the Sheraton Grand Danang Resort is another great place to use its annual certificate. It is a 5-star beachfront resort where you can stay for less than 30,000 points a night.

Southeast Asia: A month's travel with points - danang-sheraton
Featured
Annual fee
$120
Our valuation
$990

Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 110,000 points

Ends Sep 22, 2026

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Other recommendations

Visas

Here are in brief the visa requirements for Canadian passport holders. Electronic visas (eVisa) must be requested on the web prior to departure, then printed to show the authorities upon arrival. It is also possible to obtain a visa on arrival at the airport, but this increases the waiting time and the formalities at customs.

  • Cambodia: visa required, US$36, maximum visit 30 days
  • Indonesia: visa required, US$35, maximum visit 30 days
  • Malaysia: no visa required, maximum visit 90 days
  • Singapore: no visa required, maximum visit of 30 days
  • Thailand: no visa required, maximum visit of 30 days
  • Vietnam: visa required, US$25, maximum visit 30 days
Southeast Asia: A month's travel with points - koh rong

Currency

It’s often not worth buying currency at the exchange office before leaving so I always withdraw my money locally. After using my Wise Visa Debit card in the U.S., Guatemala and Ecuador, I am now a fan of it and it follows me everywhere! It allows me to withdraw at low cost from international ATMs.

For now, the Wise app allows you to open accounts in Singapore dollars, Thai baht, Vietnamese dong, Malaysian ringgit and Indonesian rupiah. After adding funds to a local currency account, the ATM will automatically withdraw to that account and you will save even more on conversion fees. For Cambodian riel and Laotian kip, the card will also work but the funds will be withdrawn from the Canadian dollar account.

Southeast Asia: A month's travel with points - monnaie

Data abroad

With the arrival of electronic SIMs (eSIMs) on the market, it is now much easier to obtain SIM cards abroad. I use the Airalo app which offers very affordable data plans. I paid US$20 for a regional eSIM covering 14 Asian countries. The package is 5 GB and it works for 30 days. To use less data, I got into the habit of downloading my maps from Google Maps to my phone before I would leave.

Health and vaccines

Southeast Asia is an endemic area for several tropical diseases. It is important to take good precautionary measures to avoid insect bites and be careful not to consume contaminated water or food. It is also a good idea to consult a professional at a travel health clinic or your pharmacist before you leave. They will be able to give you all the information you need and advise you on vaccinations and medication.

Bottom Line

You now have all the information needed to start planning your dream trip to Southeast Asia. Read more about my experiences in Singaporein Cambodia and Vietnam.

Southeast Asia: A month's travel with points - vietnam-lanternes

When should you travel to Southeast Asia?

The ideal time to travel in Southeast Asia varies according to weather preferences and the specific destination, but in general, the dry season, which runs from November to April, is often favored due to sunnier conditions.

Where to go in Southeast Asia in summer?

In summer, choose beaches such as southern Thailand, Indonesia and Malaysia. What’s more, in the highlands of Southeast Asia, such as northern Vietnam and Laos, temperatures are moderate. Be prepared for showers, especially near the equator.

Our featured card

Annual fee
$150
Our valuation
$350

Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 35,000 points

Ends Nov 1, 2026

Apply Now

on Scotiabank's website

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

  • No fees for foreign currency transactions
  • 6 complimentary airport VIP lounge passes
  • Excellent insurance for your travels and purchases
  • Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

0%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 2xTransit
  • 2xEntertainment
  • 1xAll spending

Value

1st Year Value$650
2nd Year Value$397

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days

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Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.