Travel Rewards
Premium / High-End
Rewards
Scotiabank Passport Visa Infinite Privilege Card
Scotiabank
Current Welcome Offer
Earn up to 100,000 bonus Scene+ points in your first 14 months.
Annual Fee
$599
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$1000
RateBuddy Verdict
The Good
- The $250 Annual Travel Credit effectively reduces the cost of the $599 annual fee down to $349, providing immediate value.
- Includes an incredibly generous 10 free airport lounge passes that apply *per cardholder*, making the $199 supplementary card a great deal for couples.
- Charges $0 foreign transaction fees and boasts elite insurance, including 180-day purchase security and $5M in travel medical coverage.
The Trade-offs
- Carries strict eligibility requirements, needing a minimum personal income of $150,000 or a household income of $200,000 to apply.
- Base earn rates are surprisingly low for a card in this tier; outside of travel, dining, and entertainment, purchases only earn 1 point per dollar.
- To earn the full 100,000 point welcome bonus, you must spend a massive $20,000 within the first 6 months and hold the card for 14 months.
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 2.00%
Gas & Transit 1.00%
Travel 3.00%
Base Rate 1.00%
Rewards Summary: Travel: 3 pts per $1 (Extra 3 pts via Scene+ Travel); Dining & Entertainment: 2 pts per $1; Base Earn: 1 pt per $1.
- Eligible travel purchases: 3 Scene+ pts/$1 (Extra 3 pts via Scene+ Travel)
- Eligible dining and entertainment: 2 Scene+ pts/$1
- All other eligible purchases: 1 Scene+ pt/$1
Welcome Bonus Details
Earn up to 100,000 bonus Scene+ points (up to $1,000 value). Earn 30,000 points after spending $3,000 in first 3 months; earn 45,000 points after spending $20,000 in first 6 months; earn 25,000 points after an eligible purchase in month 14.
Estimated Value: $1000.00
Features & Benefits
No Foreign Transaction Fees
Save 2.5% on foreign currency transactions
Airport Lounge Access
10 complimentary lounge visits per cardholder annually
Travel Medical Insurance
Up to $5 million CAD (31 days under 65 / 10 days 65+)
Mobile Device Insurance
Up to $1,000 coverage for lost, stolen, or damaged devices
Car Rental Collision/Loss Damage Waiver
Included (MSRP up to $85,000)
Trip Cancellation/Interruption Insurance
Up to $2,500 cancellation / $5,000 interruption
Extended Warranty Insurance
Included (Up to 2 additional years)
Purchase Security Insurance
Included (180 days)
Concierge Service
24/7 complimentary concierge service
Flight Delay Insurance
Up to $1,000 per insured person (4+ hours)
Baggage Delay/Loss Insurance
Up to $2,500 for lost/stolen; $1,000 for delayed
Priority Airport Services (Check-in, Boarding)
Priority security/taxi lanes and parking discounts
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Hotel/Motel Burglary Insurance
Up to $2,500 coverage worldwide
Additional Perks
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Insurance Coverage
Emergency Medical: $5M (31 days under 65); Trip Cancellation/Interruption: $2.5k/$5k; Flight Delay & Baggage: Included; Car Rental Collision: Included (up to $85k); Hotel Burglary: $2,500; Mobile Device: $1,000; Purchase Security: 180 days & Extended Warranty: +2 Years.
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $599 |
| Supplementary Card | $199.00 |
| Income Required |
Personal: $150,000 Household: $200,000 |