How do the 10 complimentary lounge visits actually work?

The Scotiabank Passport Visa Infinite Privilege includes 10 complimentary airport lounge visits per year through DragonPass and the Visa Airport Companion program. Each visit normally costs around $35 USD pay-as-you-go, so the 10 visits represent roughly $470 CAD in annual value. Access is via QR code in the Visa Airport Companion mobile app, and you can use the visits at over 1,300 lounges worldwide, including most major Canadian airports.

What is the value of the $250 annual travel credit?

The card includes a $250 annual travel credit redeemable through Scene+ Travel (powered by Expedia) for flights, hotels and car rentals. The credit is straightforward to use: book any eligible travel and the credit applies automatically, with no minimum stay or itinerary restrictions. Combined with the welcome bonus of up to 100,000 Scene+ points (valued at $1,000), the first-year economic value comfortably exceeds $1,500 even before factoring in lounge access and FX savings.

Are there really no foreign currency conversion fees?

Yes. The Scotia Passport Visa Infinite Privilege charges 0% on foreign currency transactions, while almost every competing premium Canadian card adds 2.5% on top of the Visa exchange rate. On $20,000 of international spend a year (typical for frequent travellers and online shoppers), that single benefit saves $500 annually. This is the rare premium card where the FX advantage alone often justifies the annual fee for cross-border spenders.

What travel insurance is bundled with this card?

Coverage is comprehensive. The card includes trip cancellation up to $2,500, emergency medical insurance up to $5 million (typically for the first 25 days for travellers under 65), flight delay protection up to $1,000, and baggage delay/loss protection up to $2,500. The 25-day medical limit is generous for most short-haul travellers, but snowbirds heading south for 1 to 6 months should still purchase top-up coverage for the days beyond the 25-day window.