Scotiabank Passport® Visa Infinite +* Card Offer: Up to 35,000 Scene+ points
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Scotiabank Passport® Visa Infinite +* Card – Welcome Offer
Scotiabank Passport® Visa Infinite +* Card
With this welcome offer for the Scotiabank Passport® Visa Infinite+* Card, you get 25,000 Scene+ points as a welcome bonus after charging $2,000 in purchases to your account in the first three months.
Plus, each year, get 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 is worth 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 dollar spent at Sobeys, IGA, Safeway, Foodland and participating Co-op grocery stores, and 2 points per dollar spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per dollar on all your other everyday purchases.
These points can be redeemed for 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 foreign transaction fees
- 6 free airport lounge visits
- Excellent travel and purchase insurance
- Visa Infinite* concierge service
We named this credit card the Best No Foreign Transaction Fee Credit Card in 2024, 2025 and 2026.
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-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.
- $350
- Welcome offerAfter $2,000 in 3 months
- Up to 35,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
How to earn the 35,000 Scene+ points
The bonus unlocks in two parts: a one-time bonus in your first three months, plus a recurring annual bonus:
| Tier | Purchases (cumulative) | Deadline | Scene+ points |
|---|---|---|---|
| 1 | ,000 | 3 months | 25,000 |
| 2 | ,000 | 1 year (recurring annually) | 10,000 |
| Total | ,000 | 1 year | 35,000 |
Scotiabank Passport® Visa Infinite +* Card – No Foreign Transaction Fees
That’s the main advantage of this credit card: no conversion fees for all your foreign currency purchases. All other credit cards in Canada charge a 2.5% foreign transaction fee for all foreign currency purchases.
This Scotiabank Passport® Visa Infinite +* Card is one of the three no foreign transaction fee credit cards we recommend you carry in your wallet.
Therefore, it will be of particular interest to snowbirds and anyone who regularly travels abroad or buys from sites billing in US dollars, euros, etc.
On each of these transactions, when you pay with the Scotiabank Passport® Visa Infinite +* Card, you save 2.5% and earn Scene+ points!
And remember, you’ll also earn 2 points per dollar for purchases made abroad:
- Grocery purchases
- Restaurant purchases
- Entertainment
- Transportation
For example, here is a list of purchases made in France, for which I was able to earn 2 points per dollar for all purchases made in euros (without foreign transaction fees):
- Grand Frais (grocery store)
- Bolt (transportation)
- Taxi (transportation)
- Euro Disney – Disneyland Paris (entertainment centers)
- RATP (transportation)
- Ostrea Montevrin (restaurant)
- Zettle (transportation)
- La pause verte (restaurant)
Scotiabank Passport® Visa Infinite +* Card – A Scene+ Credit Card
The Scene+ program is Scotiabank’s travel points loyalty program.
The other main cards participating in the Scene+ program are the Scotiabank Gold American Express® Card and the Scotiabank Platinum American Express® Card. This therefore allows you to have another source for accumulating Scene+ points: it is, of course, possible to have a single Scene+ account that combines your various Scene+ credit cards.
Plenty of opportunities to earn points, both through welcome bonuses and generous earning rates on select spending categories!
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $120 | |||
| $150 | |||
| $0 | |||
| $399 | |||
| $0 | |||
| $599 | |||
| $199 |
Earning Scene+ Points
With this card, you earn:
- 3 points per dollar at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op
- 2 points per dollar spent on groceries, restaurants, entertainment or public transport
- 1 point per dollar everywhere else
The accumulation of Scene+ points is not as significant as what is offered by the Scotiabank Gold American Express® Card (5 points per dollar at grocery stores, restaurants, entertainment), but since it is a Visa card, you will be able to use it in more places!
For those who spend $40,000 in a year on the Scotiabank Passport™ Visa Infinite* Card, a bonus of 10,000 Scene+ points ($100 value) will be credited to the account. After that, a bonus of 2,000 Scene+ points will be credited to the account for every additional $10,000.
Scene+ Points Redemption
You can redeem your points directly Scene+ on your travel expenses (flights, hotels, Airbnb, car rentals, etc.) charged to the card: 10,000 Scene+ points = $100.
This is one of the cards we recommend in these strategies:
You must use at least 5,000 points ($50) when redeeming (after this threshold, redemptions are made at the rate of 100 points = $1).
By redeeming your points Scene+ against travel expenses, you’re guaranteed a return of between 1% and 3%, depending on the retailer from which you’ve earned them.
See in the article below how easy it is to use your Scene+ points to save money when travelling, with a very concrete real-life example:
Potential earnings in year one
Here is what the $40,000 of purchases that unlocks the full bonus produces, with 65% of spending in the accelerated categories:
| Category | Rate | Annual spending | Scene+ points |
|---|---|---|---|
| Sobeys, IGA and affiliated grocery banners | 3 points/$ | $12,000 | 36,000 |
| Groceries, restaurants, entertainment and transit | 2 points/$ | $10,000 | 20,000 |
| Eligible foreign currency purchases | 2 points/$ | $4,000 | 8,000 |
| All other purchases | 1 point/$ | $14,000 | 14,000 |
| Total | – | $40,000 | 78,000 |
Scene+ points apply to travel purchases at 1,000 points = $10. Here is the full first-year picture, foreign transaction savings included:
| Value source | Detail | Value |
|---|---|---|
| Welcome bonus | 35,000 points | 0 |
| Earned on ,000 of purchases (mix above) | 78,000 points | 0 |
| Foreign transaction fees avoided on ,000 | 2.5% saved | 0 |
| Total in the first year | 113,000 points | ,230 |
After the $150 annual fee, the first year therefore clears roughly $1,080 in net value. And the 6 airport lounge visits are not even counted in that total.
Scotiabank Passport™ Visa Infinite* Card – 6 annual airport lounge passes
Scotiabank is clearly targeting the travel market. This Scotiabank Passport™ Visa Infinite* Card offers 6 annual airport lounge passes, which partly justifies the card’s annual fee.
This is a very nice perk for casual travellers. Therefore, an individual traveller can visit airport lounges six times a year, while a couple can access them three times!
For more than six visits, a fee of US$32 per entry will be charged.
In Quebec City, you can access the Club Med VIP Lounge!
In Montreal, you have 3 options:
- The Air France VIP Lounge (international terminal)
- The National Bank VIP Lounge (international terminal)
- The Desjardins Lounge (cross-border terminal)
Scotiabank Passport® Visa Infinite +* Card- Comprehensive Insurance
The Scotiabank Passport® Visa Infinite +* Card provides extensive travel insurance coverage:
Travel Medical Insurance
Coverage is available to eligible persons under age 65 for up to 25 consecutive days, and to persons age 65 and over for up to 3 consecutive days.
Trip Cancellation / Trip Interruption Insurance
Charge at least 75% of the cost of your trip to your card and obtain trip cancellation/interruption insurance at no additional cost.
Flight Delay Insurance
When you pay at least 75% of the cost of your tickets with your Scotiabank Passport® Visa Infinite +* Card, you are entitled to reimbursement of necessary expenses (for example, the cost of a hotel room, meals and other exceptional expenses).
Delayed and Lost Baggage Insurance
When you pay the full cost of your plane, train, bus or cruise tickets with your card, you’re covered if your checked baggage is delayed or lost.
Travel Accident Insurance
When you pay at least 75% of the full cost of your tickets with your card, you benefit from accidental death and dismemberment insurance.
Rental Car Collision Loss/Damage Insurance
You’re automatically protected against damage and theft if you pay for your car rental in full with your card.
Hotel/Motel Burglary Insurance
Use your card to pay for hotel or motel accommodations in Canada or the United States.
Scotiabank Passport Visa Infinite – Our review
We have travelled with the Scotiabank Passport Visa Infinite Card for years. The euro purchase examples above come from a real trip to France, statement included.
One thing stands out from that use: the absence of foreign transaction fees is worth more than the points. On $6,000 of foreign currency spending, the 2.5% saving covers the $150 annual fee on its own.
The earn rate, meanwhile, stays average. Two points per dollar on groceries and restaurants is well behind the 5 points of the Scotiabank Gold American Express Card. A Visa does go where Amex is refused, however, and that matters a great deal abroad.
Who is this card for?
- Snowbirds: several months of US dollar spending with no conversion fees adds up to hundreds of dollars saved.
- Cross-border online shoppers: the 2.5% saving also applies to sites that bill in euros or US dollars.
- IGA and Sobeys shoppers: those banners earn 3 points per dollar against 2 elsewhere.
- Occasional travellers: the 6 annual lounge visits comfortably cover two or three trips a year.
- Anyone who stays in Canada: without foreign spending, the card’s main argument disappears.
- Maxi, Metro or Costco shoppers: those grocers earn only 2 points per dollar, the base rate.
- Couples travelling together: the 6 lounge visits burn twice as fast, so 3 trips a year.
- Transfer fans: Scene+ points hold a fixed 1 cent value and do not transfer to airline programs.
How we assess this offer
Our calculations rest on three constant rules. First, we value Scene+ points at 1 cent, the rate at which they apply to travel purchases (1,000 points = $10). Second, we count only the benefits actually received during the first year. Finally, we always weigh the value obtained against the real annual fee.
The earnings table assumes a specific profile: $40,000 in annual spending, including $4,000 in foreign currency. That amount matches the threshold for the recurring annual bonus. If your volume is lower, strip out that bonus before comparing.
The offer terms come from Scotiabank. Our analysis remains independent of the commercial agreements we hold with card issuers.
To see how this offer stacks up against the rest of the market, browse our best credit cards page. Also, sign up for our newsletter to get new welcome offers every week.
Conclusion
Scotiabank is the only major Canadian bank to offer a card with no foreign transaction fees. Two other Scotia credit cards also provide this benefit.
This Scotiabank Passport™ Visa Infinite* Card will be very attractive for several profiles:
- Those who regularly pay in foreign currency
- Those who travel regularly abroad
- Those who live part of the year abroad like the Snowbirds
- Those who want a card with solid insurance
- Those who travel at least 1 or 2 times a year and who will be using airport VIP lounge passes
- Those who already have one or more Scene+ cards in their wallet.
- Annual fee
- $150
- Our valuationMilesopedia first-year estimate First-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.
- $350
- Welcome offerAfter $2,000 in 3 months
- Up to 35,000 points
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Interested in the Scene+ program? Check out these different Scene+ credit card offers:
Frequently Asked Questions about the Scotiabank Passport® Visa Infinite +* Card
Here are frequently asked questions in the milesopedia community about this card.
How to Unlock the 35,000 Scene+ points Welcome Bonus?
The bonus has two parts: 25,000 points after spending $2,000 in the first 3 months, plus a recurring annual bonus of 10,000 points every year you spend at least $40,000 on the card. For most households, reaching $2,000 in three months is very accessible, while the $40,000 annual bonus requires intensive daily use of the card. The first-year bonus is worth approximately $350 in travel bookings through Scene+.
Why is this card so popular with travelers?
The main selling point is the complete absence of foreign currency conversion fees, a rare advantage in Canada (only a few cards offer it). On a trip involving $3,000 in USD or EUR expenses, the savings amount to $75 compared to a standard card with 2.5% fees. Add 6 annual airport lounge visits via the Priority Pass, comprehensive travel insurance, and 2 points per dollar at grocery stores/restaurants, and the card becomes an excellent travel companion for Canadians.
Which merchants count as grocery stores for the 3x points?
Sobeys, IGA, Safeway, Foodland, Thrifty Foods, and other Empire Company affiliated banners give 3 Scene+ points per dollar (in addition to the standard 1 Scene+ point from the Scene+ loyalty program, for a total of 4 points). Other grocery stores (Loblaws, Maxi, Métro, Provigo, Costco) only give 2 points per dollar, which is the standard grocery rate. Quebecers who primarily shop at IGA therefore benefit from a higher rate, while those loyal to Maxi should consider another card like the BMO World Elite CashBack Mastercard.
What is the $100 annual bonus after $40,000 in spending?
If you spend at least $40,000 on the card during the anniversary year, Scotiabank automatically adds $100 in bonus Scene+ points (10,000 points). Combined with the annual fee of approximately $150, this bonus reduces the net cost to $50 per year for intensive users. It also triggers the additional 10,000 points of the welcome bonus in the first year. This structure clearly favors households that consolidate all their expenses on this card rather than juggling multiple products.