Eligible participating partner grocery banners
Issuer's current offer
Visit Scotiabank to check the current Passport welcome offer
Welcome bonus totals and qualification windows change. Review Scotiabank’s current written offer; the ongoing annual spend threshold for an anniversary bonus may be substantial.
◷ Current offer and deadline: check Scotiabank
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Other eligible dining, entertainment or transit categories as set by current program
Other eligible purchases
Eligible travel hotels or rental cars through Scene+ Travel (base plus promotional earning)
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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Six complimentary visits to eligible airport lounges per year via Visa Airport Companion after enrollment
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No Scotiabank foreign transaction fee markup
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Travel insurance benefits subject to policy and eligibility rules
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Scene+ point redemptions for eligible travel and daily purchases
Who this card feels right for
Travel convenience first
This card usually stands out most for travellers who care about lounge access and avoiding foreign transaction surcharges from the issuer. It is better suited to frequent travellers than everyday minimalists.
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Frequent international travellers who value foreign-exchange savings and airport lounges.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- Valuable for international travellers using lounges
- No FX fee markup from Scotiabank
- Flexible Scene+ earning and redemption categories
What to consider
- C$150 annual fee unless eligible account package rebates apply
- Income and underwriting thresholds apply
- Lounge visits are limited annually and require program enrollment
Good fit
Frequent international travellers who value foreign-exchange savings and airport lounges.
Consider another card if…
People who seldom travel and want a no-fee cash-back card.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$150/year
Purchase interest rate20.99%
Cash advances22.99%
Foreign currency feeNo Scotiabank FX markup; exchange rates apply
Additional cardholdersFirst supplemental card $0, subsequent $50/year (terms apply)
Income / eligibility noteIssuer eligibility varies by product tier: confirm threshold during application
Issuer / networkScotiabank · Visa
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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Issuer outlines different income thresholds by customer/profile and card tier
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Subject to Scotiabank approval and account requirements
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You must satisfy applicable Visa Infinite eligibility
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official Scotiabank page.
03Submit your application directly with the issuer.
Frequently asked questions
How many lounge visits are included?
Six complimentary eligible lounge visits per year for enrolled primary cardholders through Visa Airport Companion, subject to terms.
Are foreign purchases fee-free?
Scotiabank does not apply its foreign transaction markup; currency conversion still uses applicable exchange rates.
How much is the annual fee?
C$150 for the primary card, before any eligible banking package rebate.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official Scotiabank product page. Last editorial check: 2026-11-09.