Made for Canadian money decisions · Independent educational comparisons · Rates and offers may change
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CREDYS CARD STORIES · 6 MIN READ

Scotiabank Passport Visa Infinite+: are lounge visits and travel fees worth it?

A closer look at annual fees, airport lounge access, foreign currency purchases and actual travel frequency.

Applying takes place on the official Scotiabank website. Credys does not issue cards or approve applications.

Passengers walking with luggage through an airport; editorial photograph, no implied issuer endorsementReal-world moments · independent editorial context
Why this card might fit

The everyday story behind the card

Picture someone travelling internationally for work or to visit family. They may pay in foreign currencies, spend time between flights and value airport lounge access when plans change.

Passport’s travel-focused benefits matter when you use them. Estimate how many eligible lounge visits you would make in a year and how much you typically spend in other currencies. If you hardly travel, a no-fee card may be easier to justify.

Product photograph: Scotiabank Passport Visa Infinite+
PRODUCT AT A GLANCE

Scotiabank Passport Visa Infinite+

Annual fee$150/year
Purchase APR20.99%
Rewards focusTravel-focused rewards
See the full fee breakdown →

How this plays out in a Canadian budget

A frequent traveller who takes several international trips could use lounge access and avoid the issuer’s foreign transaction markup. Someone making one short domestic trip annually might not receive comparable value from the C$150 fee.

The fine print you should not skip

Six complimentary lounge visits have program enrollment and eligibility conditions. Exchange rates still apply. Check income criteria, supplementary-card fees and the separate limits of each insurance certificate.

Three questions to answer before applying

  1. How many lounge visits would you actually use per year?
  2. How much do you spend in foreign currencies?
  3. Does the value of travel perks exceed the annual fee for you?

Before you continue

Read the current cardholder agreement, latest offer, applicable spending caps and any provincial differences on the issuer’s website. Approval depends on the issuer’s assessment; Credys cannot determine your eligibility. Rewards are generally not worth carrying an interest-bearing balance.

Ready to continue?

Apply directly with Scotiabank

You have reviewed the card and the real-world considerations. Continue on the official bank or card issuer website to see the application and current terms.

Apply now with Scotiabank ↗

Official issuer site · External link · Terms and approval criteria apply

Editorial note: This is a researched comparison based on public issuer materials, not first-hand card testing or personalised credit advice. Illustrative photographs do not depict issuer clients or endorsements. Verify the current rates, bonus terms and eligibility on the official issuer page. See our methodology and commercial disclosure.