No foreign fees · Scotiabank
Scotiabank Passport Visa Infinite+ Card
The Scotiabank Passport Visa Infinite+ Card has a $150 annual fee and charges no foreign transaction fee. It earns Scene+ points, includes six complimentary lounge visits a year through the Visa Airport Companion Program, and lists medical, trip cancellation, interruption and delay insurance, with a $60,000 personal or $100,000 household income minimum.
Facts last verified October 28, 2026 against the issuer's own pages. Rates and offers change; confirm with the issuer.
Scotiabank Passport at a glance
No foreign transaction fee, six lounge visits a year and a full insurance package, earning Scene+ points.
- Annual fee
- $150 (rebate with some Scotiabank accounts)
- Purchase interest rate
- 20.99%
- Foreign transaction fee
- None
- Network
- Visa
- Rewards program
- Scene+
- Lounge access
- 6 free lounge visits a year (Visa Airport Companion Program)
- Baggage benefit
- None stated
- Minimum income
- $60,000 personal or $100,000 household
- Best for international travel
- Best for avoiding foreign transaction fees
- Best for airport lounge access
- Best for built-in travel insurance
Key benefits of the Scotiabank Passport
- No foreign transaction fee
- 6 complimentary lounge visits a year
- Medical, cancellation and delay insurance
Current offer: Up to 35,000 bonus Scene+ points (ends November 1, 2026).
25,000 after $2,000 in purchases in 3 months, plus 10,000 at $40,000 yearly spend. Excludes anyone with a Scotiabank personal credit card in the past 2 years.
Offer checked October 28, 2026. Offers can differ by province and can be withdrawn at any time.
How Scotiabank Passport earns and redeems rewards
| Where you spend | Earn rate |
|---|---|
| Sobeys, Safeway, IGA, Foodland, FreshCo, Voila and participating co-ops | 3x Scene+ points per $1 |
| Other grocery, dining, entertainment and daily transit | 2x per $1 |
| Hotels, car rentals and Things to Do booked through Scene+ Travel | Extra 3x per $1 (up to 4x in total) |
| Eligible travel and all other purchases | 1x per $1 |
Scene+ points can be used for travel through Scene+ Travel or against a travel purchase charged to the card, and for groceries, entertainment, account credit and retail. Scotiabank's own examples work out to roughly 1 cent per point (20,000 points = $200 off travel), and minimums apply to some redemptions.
Travel insurance included with the Scotiabank Passport
- Emergency medical
- Up to $2 million for the cardholder, spouse and eligible dependent children. Check the certificate of insurance for the number of days and the age limits.
- Trip cancellation and interruption
- Cancellation up to $1,500 per person ($10,000 per trip); interruption up to $2,500 per person ($10,000 per trip). At least 75% of the trip cost must be charged to the card.
- Flight delay and baggage
- Flight delay up to $500 per insured person; delayed or lost checked luggage up to $1,000 when the full travel ticket is charged to the card.
- Conditions and exclusions
- Limitations and exclusions apply, including a pre-existing condition exclusion for certain benefits. Read the certificates of insurance, underwritten by Manulife and First North American Insurance Company.
Card insurance is narrower than a standalone policy. Compare travel insurance for Canadians if your trip is long, you are 65 or older or you have a health condition.
Who can apply for the Scotiabank Passport
- Income of $60,000 or more personal, or $100,000 or more household, or qualifying assets (lower bounds of the ranges Scotiabank gives)
- Subject to credit approval; minimum credit limit $5,000
Advantages and drawbacks
Advantages
- No foreign transaction fee on purchases in other currencies
- Six complimentary lounge visits a year
- Insurance includes trip cancellation, interruption and delay
- Flexible Scene+ points usable beyond travel
Drawbacks
- Needs $60,000 personal or $100,000 household income
- Only 1x on eligible travel purchases outside Scene+ Travel
- Scene+ points are not an airline program and cannot be transferred to airlines
- The medical coverage days and age limits are in the certificate, not on the product page
Scotiabank Passport compared with similar cards
| Card | Annual fee | Foreign fee | Rewards | Lounge |
|---|---|---|---|---|
| Scotiabank Passport | $150 | None | Scene+ | 6 free lounge visits a year (Visa Airport Companion Program) |
| Scotiabank Gold Amex | $120 | None | Scene+ | None included |
| TD First Class Travel | $139 | 2.5% | TD Rewards | 4 free lounge visits a year (Visa Airport Companion Program) |
| CIBC Aventura Visa Infinite | $139 | 2.5% | Aventura Rewards | 4 free lounge visits a year (Visa Airport Companion Program) |
Scotiabank Passport FAQs
Does the Scotiabank Passport charge foreign transaction fees?
No. Scotiabank states that the Passport Visa Infinite+ charges no foreign transaction fee, so only the exchange rate applies. That is a clear advantage over cards that add a 2.5% commission to purchases in other currencies.
How many lounge visits does the Passport include?
It includes 6 complimentary lounge visits a year through the Visa Airport Companion Program, which Scotiabank describes as covering 1,200+ lounges. Enrolment is required, and the membership and visits renew each year on the enrolment anniversary. The price of extra visits is not stated on the product page.
What income do I need for the Passport?
Scotiabank gives ranges, starting at $60,000 personal income or $100,000 household income, or $250,000 in assets under management. A minimum credit limit of $5,000 also applies. Approval is always subject to credit review.
How does the Passport insurance work?
It lists emergency medical up to $2 million, trip cancellation up to $1,500 per person, trip interruption up to $2,500 per person, flight delay up to $500 and lost baggage up to $1,000. The trip cancellation and delay cover need at least 75% of the cost charged to the card. A pre-existing condition exclusion applies, so read the certificate.
Are Scene+ points good for travel?
Scene+ points can be used toward travel booked through Scene+ Travel or applied to a travel purchase on the card. Scotiabank's examples work out to about 1 cent per point. They are less valuable for airline-specific redemptions because they cannot be transferred to airline programs.
Sources and last verified date
Facts on this page were last verified on October 28, 2026. We use the issuer's own pages first and leave out anything we cannot confirm.
Related guides
- Best Travel Credit Cards for Canadians Travelling to Europe
- Best Credit Cards for Airport Lounge Access in Canada
- Are Premium Travel Credit Cards Worth the Annual Fee?
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