Scotiabank Passport Visa Infinite: no foreign transaction fees
The Scotiabank Passport Visa Infinite Card, now branded by Scotiabank as the Scotiabank Passport Visa Infinite+ Card, is a travel credit card for people who want one card for everyday spending and for trips outside Canada.
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It combines no foreign transaction fees, travel insurance, airport lounge visits and the Scene+ rewards program, which can help reduce costs when you pay in a foreign currency.
Like any credit card, it works best when you understand the fees, how interest is charged and how the benefits apply to your own spending and travel habits.
Pros and Cons of the Scotiabank Passport Visa Infinite Card
Pros:
- No foreign transaction fees on purchases in foreign currencies, so you avoid the 2.5% fee typically charged by other Canadian card issuers. Only the exchange rate applies;
- A complimentary Visa Airport Companion membership with 6 free lounge visits per year at more than 1,200 airport lounges, which you can use for yourself or a travel companion;
- Travel insurance, including Travel Emergency Medical Insurance of up to $2 million, trip cancellation and interruption, flight delay, delayed and lost luggage, and rental car coverage;
- Earn Scene+ points: 3 points per $1 at Sobeys, Safeway, Foodland and other participating grocery stores, 2 points per $1 on dining, other groceries, entertainment and daily transit, and 1 point per $1 on everything else, including eligible travel;
- Earn 10,000 bonus Scene+ points each year when you spend $40,000 on the card, plus 2,000 points for every additional $10,000 that year;
- Visa Infinite benefits, such as 24/7 concierge service, the Visa Infinite Luxury Hotel Collection and the Visa Infinite Dining Series;
- The annual fee is rebated every year if you have a Scotiabank Ultimate Package chequing account.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Cons:
- A $150 annual fee applies to the primary cardholder, and supplementary cards after the first one cost $50 each;
- Income requirement: a minimum personal income of $60,000 or household income of $100,000 (Scotiabank lists ranges up to $80,000 and $150,000), or a minimum amount of assets under management;
- The accelerated earn rates apply only to the first $50,000 in eligible purchases each year;
- After your 6 complimentary lounge visits, each additional visit costs $32 USD per person;
- The interest rate is 20.99% on purchases and 22.99% on cash advances when you carry a balance;
- It isn’t designed for people who prefer cash back rewards.
App Features
You can manage your Scotiabank Passport Visa Infinite Card through Scotiabank’s online and mobile banking, which can be useful when you’re travelling or want to follow your spending.
- Account management: check your balance, transactions and statements;
- Rewards: follow and redeem your Scene+ points at sceneplus.ca or in the Scene+ app, including the Apply Points to Travel option;
- Payments: pay your credit card bill through Scotiabank’s online and mobile banking;
- Supplementary cards: add supplementary cards from your account;
- Mobile wallet: add the card to your mobile wallet to pay with your phone.
About the Issuing Bank
Scotiabank, officially known as The Bank of Nova Scotia, is one of Canada’s “Big Five” banks.
Founded in 1832, the bank offers products for individuals and businesses, including chequing and savings accounts, mortgages, investments and credit cards.
Scotiabank also operates in several countries outside Canada. Its cards offer 24/7 help for lost or stolen cards, and the Visa Infinite Concierge can help with travel, dining and event bookings at any time.
Fees and Charges of the Scotiabank Passport Visa Infinite Card
- Annual fee: $150 for the primary cardholder, rebated every year with a Scotiabank Ultimate Package account;
- Supplementary cards: $0 for the first card and $50 for each additional card;
- Purchase interest rate: 20.99%;
- Cash advance interest rate: 22.99%, which also applies to balance transfers and cash-like transactions;
- Foreign transaction fee: none. Only the exchange rate applies;
- Minimum credit limit: $5,000;
- Over-limit fee: may apply if your balance goes over your credit limit.
Rates, fees and conditions checked on September 22, 2026, against the official Scotiabank website. Confirm current terms on the Scotiabank website before applying.
Why Apply for This Card?
The Scotiabank Passport Visa Infinite Card can make sense for Canadians who travel outside Canada, shop online in other currencies or regularly pay for services billed in U.S. dollars.
Most Canadian credit cards add a 2.5% fee on purchases in foreign currencies. With this card, you pay only the exchange rate, which can reduce the cost of your international purchases. For example, $6,000 a year in foreign currency purchases would save you about $150 in fees, the same as the annual fee.
The card also includes 6 complimentary lounge visits per year and travel insurance, including emergency medical coverage, when you charge eligible trip costs to the card. Read the Certificate of Insurance to know exactly what’s covered.
Scene+ points can add value if you prefer travel points over cash back. You earn the most at Sobeys, Safeway, Foodland and other participating grocery stores, and you can apply your points to travel purchases charged to the card within 12 months.
However, the card has a $150 annual fee and an income requirement. If you rarely travel or make purchases in foreign currencies, the fee may outweigh the benefits.
Reviewing your grocery spending, how often you travel and your payment habits can help you decide whether this card fits your needs.
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Disclaimer: This site is independent and strictly informational, and its content does not constitute financial advice. Finvyu is not affiliated with Scotiabank. We do not guarantee credit card approval, which is solely subject to a credit check, income verification and risk analysis by the issuing bank (Scotiabank). Finvyu Editorial Team.