Scotia Momentum Visa Infinite review: requirements and how to apply
Cashback rewards and insurance coverage
Credit cards are commonly used in Canada for everyday purchases, online payments and recurring expenses. They help organize spending and allow payments to be made both in physical stores and online.
Many people also use credit cards to build a credit history over time. Payment behaviour, such as paying on time and keeping balances manageable, can affect future applications for housing, utilities or other financial services.
Because of this, it’s important to understand how a credit card works before applying.
Some credit cards focus on rewards, such as cash back on purchases. Others include insurance coverage or additional services linked to travel or lifestyle programs. Each credit card comes with its own fees, interest rates, limits and eligibility conditions that should be reviewed carefully.
The Scotia Momentum Visa Infinite, now branded by Scotiabank as the Scotia Momentum Visa Infinite+ Card, is a cash back credit card offered by Scotiabank. In this article, you’ll find information about who the card is designed for, its main features, its fees, how the application process works and the income requirements to consider before applying.
Who is the Scotia Momentum Visa Infinite credit card for?
The Scotia Momentum Visa Infinite card is intended for Canadian residents who want to earn cash back on everyday spending. It suits individuals or households that use a credit card regularly for expenses such as groceries, recurring bills, gas, transit and food delivery.
It also appeals to those who prefer straightforward cash back rather than points-based travel rewards. Cash back is calculated directly as a percentage of eligible spending, without conversion charts.
To qualify, Scotiabank requires a minimum personal income of at least $60,000 or a household income of at least $100,000, or a minimum amount of assets under management. The minimum credit limit for this card is $5,000.
As with any financial product, approval is subject to Scotiabank’s credit review and internal criteria.
Benefits of the Scotia Momentum Visa Infinite credit card
The Scotia Momentum Visa Infinite card offers benefits that focus mainly on cash back, insurance and Visa Infinite services:
Cash back rewards
You earn 4% cash back on eligible grocery store purchases and recurring bill payments, such as phone, insurance, membership and subscription charges, on up to $25,000 in annual purchases.
You also earn 2% cash back on eligible gas, electric vehicle charging, daily transit, rideshare, taxi and food delivery purchases, on up to $25,000 in annual purchases. All other eligible purchases, and purchases above these annual limits, earn 1% cash back.
You can redeem your cash back at any time once you have at least $25, as a statement credit or a deposit into a Scotiabank account. It doesn’t expire while your account is open.
Insurance coverage
The card includes travel and purchase insurance when you use it to pay for your trip or item:
- Travel Emergency Medical Insurance: up to $1 million for you, your spouse and eligible dependent children, for travellers under 65 and trips of up to 15 consecutive days;
- Trip Cancellation and Trip Interruption Insurance: up to $1,500 per person for trip cancellation and up to $2,000 per person for trip interruption, to a maximum of $10,000 per trip;
- Flight Delay and Delayed and Lost Baggage Insurance: up to $500 each;
- Travel Accident Insurance: up to $500,000 per insured person;
- Rental Car Collision/Loss Damage Insurance;
- Mobile Device Insurance: up to $1,000 for lost, stolen or accidentally damaged devices;
- Purchase Security and Extended Warranty Protection: 90 days of coverage on most new purchases, and extended warranty that doubles the manufacturer’s warranty for up to one year.
Coverage details, limits and exclusions apply. Reviewing the Certificate of Insurance helps clarify exactly when coverage is active.
Visa Infinite privileges
As a Visa Infinite card, it provides access to a complimentary 24/7 concierge service that can help with travel, dining and event bookings.
Other benefits
Visa Infinite benefits also include the Visa Infinite Hotel Collection and the Visa Infinite Dining and Wine Country program. The card also offers up to 25% off base rates at participating Avis and Budget locations in Canada and the U.S., complimentary GigSky global mobile data each year and up to 7¢ per litre in value on fuel at Shell when you link your card.
Scotia Momentum Visa Infinite: fees and charges
The Scotia Momentum Visa Infinite card includes fees and interest charges that should be reviewed before applying.
According to Scotiabank, the annual fee for the primary card is $120. Scotiabank may waive the annual fee in the first year through promotional offers, subject to conditions. Supplementary cards cost $50 per year.
The interest rate for purchases is 20.99% annually. The interest rate for cash advances, balance transfers and cash-like transactions is 22.99% annually. If you miss your minimum payment two consecutive times, your rates may increase to 25.99% on purchases and 27.99% on cash advances. Cash advances accrue interest from the transaction date.
A foreign currency conversion fee of 2.5% applies to transactions made in currencies other than Canadian dollars, and an over-limit fee of $29 applies if spending exceeds your credit limit. Other fees may apply; see Scotiabank’s credit card fees page for the full list.
- Annual fee: $120;
- Supplementary cards: $50 per year;
- Purchase interest rate: 20.99% annually;
- Cash advance interest rate: 22.99% annually;
- Foreign currency conversion fee: 2.5%;
- Over-limit fee: $29.
Rates and fees checked on September 22, 2026, against the official Scotiabank website. Confirm current terms on the Scotiabank website before applying.
How to apply?
To apply for the Scotia Momentum Visa Infinite card, visit the official Scotiabank website and open the card’s application page. Scotiabank says the application takes about 15 minutes. Checking that you meet the income requirements before applying can help you avoid a declined application.
During the application, you’ll be asked questions about your job, your yearly income and where you live, along with other personal and financial information. Providing your Social Insurance Number (SIN) is optional.
After you submit the application, Scotiabank reviews your credit. If you’re approved, the card is sent to you by mail, and Scotiabank sets your final credit limit. You can also book an appointment to apply with a Scotiabank advisor.
Opinion about the Scotia Momentum Visa Infinite credit card
The Scotia Momentum Visa Infinite may suit people looking for a cash back credit card who spend regularly on groceries, recurring bills, gas and transit. At 4%, you’d need to spend about $3,000 per year ($250 per month) on groceries and recurring bills just to cover the $120 annual fee.
However, the annual fee and the minimum income requirement mean this card isn’t accessible to every applicant. Travel medical coverage is also limited to travellers under 65 and to trips of up to 15 days. And the 20.99% interest rate can quickly cancel out your cash back if you don’t pay your balance in full every month.
Before applying, review your spending habits and compare the cash back you could earn with the card’s annual cost. If you qualify and pay your statement in full each month, it can be a strong option for households with steady everyday expenses.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Scotiabank. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of The Bank of Nova Scotia (Scotiabank). Finvyu Editorial Team.
