Scotiabank Passport® Visa Infinite Privilege* Card review
May 15, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$1,355
Get this card if you:
- are a frequent, luxury traveller
- want flexible redemption options
- value premium travel perks
Scores by category
Travel 4.9
Welcome Bonus 4.5
At a glance
The Scotiabank Passport® Visa Infinite Privilege* Card is an ultra-premium travel credit card that prioritizes points and perks. The card, which charges a $599 annual fee, features generous credit limits of at least $10,000 and offers complimentary airport lounge access, a $250 annual travel credit, no foreign transaction fees and comprehensive travel insurance.
Highlights
$1,355
First year value
100,000 Scene+ pts
Welcome bonus
$599
Annual fee
Get a $150 reduction of your annual fee with an Ultimate Package account. Supplementary cards $199/year.
Interest Rates
20.99%
Purchase APR
22.99%
Cash advance APR
Eligibility
Very Good
Recommended credit score
$150,000
Required annual personal income
$200,000
Required annual household income
Quick overview of the Scotiabank Passport® Visa Infinite Privilege* Card
The Scotiabank Passport® Visa Infinite Privilege* Card is an ultra-premium travel credit card that prioritizes points and perks. The card, which charges a $599 annual fee, features generous credit limits of at least $10,000 and offers complimentary airport lounge access, a $250 annual travel credit, no foreign transaction fees and comprehensive travel insurance.
Who’s the Passport VIP Card for?
- Frequent international travellers who can benefit from no foreign transaction fees
- Luxury travellers who value airport lounge access (10 free visits annually)
- Canadians who spend heavily on travel, dining and entertainment categories
- Travellers seeking comprehensive travel insurance coverage
- Anyone who prefers flexible redemption options rather than being locked into specific loyalty programs
- Those who value premium travel perks like priority airport services and hotel benefits
Pros and cons
Scotiabank Passport® Visa Infinite Privilege* welcome bonus
The Passport VIP treats you like one right from the start, thanks to an impressive welcome bonus:
- Earn up to 100,000 bonus Scene+ points within your first 14 months.†
How to earn Scene+ points
The Scotiabank Passport® Visa Infinite Privilege* carries a similar name to the Scotiabank Passport® Visa Infinite, but don’t get them confused. The VIP-version prioritizes travel-related purchases whereas the VI-version emphasizes grocery rewards at 3x points at Sobeys, Safeway, IGA and partner stores.
The Scotiabank Passport VIP card earns the following Scene+ points on purchases:
- Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases.†
- Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.†
- Earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.†
- Up to 6 Scene+ points per dollar on eligible travel booked through Scene+ Travel (includes 3x from card + 3x from Scene+ Travel portal)
Read more: Scene+ points guide
Do Scene+ points expire?
No, Scene+ points don't expire as long as your account is active. Keeping your account is simple: Just make at least one purchase every 12 months to keep your points active.
While Scene+ points are usually associated with redeeming for free movie tickets, there are plenty of great ways to use points. Here’s how to redeem your Scene+ points (and what they’re worth):
- Travel: 10,000 points = $100 (1¢/point) - Book through Scene+ Travel portal or apply points to past travel purchases within 12 months
- Movies: 1,250 points = General admission ticket (1.12¢/point)
- Restaurants: 500 points = $5 off at partner restaurants (1¢/point)
- Gift cards: 14,000 to 15,000 points = $100 gift card (0.6 to -0.71¢/point)
- Statement credit: 14,500 points = $100 credit (0.77¢/point)
- Merchandise: Various points for Apple, Best Buy products (0.5 to 0.8¢/point)
How much can you earn with the Scotiabank Passport VIP?
Sure, the Passport VIP offers up to 3x Scene+ points on travel purchases, but how much money can you really save with the card? Here’s an example earn for a cardholder who travels frequently:
Monthly Spending:
- $2,500 on flights and hotel bookings (travel category): 7,500 Scene+ points (3X points)
- $1,000 on restaurants and entertainment: 2,000 Scene+ points (2X points)
- $3,500 on everyday purchases (groceries, gas, shopping): 3,500 Scene+ points (1X points)
Total monthly points earned: 13,000 Scene+ points
That's a value of approximately $130 in travel rewards in just one month. And if this spending pattern holds for a year, it amounts to around 156,000 Scene+ points, worth approximately $1,560 in travel value.
Key benefits of the Scotiabank Passport® Visa Infinite Privilege*
The Scotiabank Passport® Visa Infinite Privilege* Card includes a $250 annual travel credit as one of its premium benefits. This travel credit effectively reduces the annual fee from $599 to $349 (or potentially $199 with the Scotiabank Ultimate Package banking rebate) for cardholders who regularly book travel.
The $250 travel credit can be applied toward eligible travel purchases, specifically:
- Flights
- Hotels
- Vacation packages
Unfortunately, the travel credit does come with limitations and restrictions. The credit only works for flights, hotels and vacation packages booked through Scene+ Travel.
Beyond the travel credit, the Passport VIP offers tremendous value for the frequent traveller — in part due to these impressive travel perks:
- No foreign transaction fees: The card waives the standard 2.5% foreign transaction fee typically charged by most Canadian credit cards, providing significant savings on all international purchases
- Airport lounge access: Complimentary Visa Airport Companion Program membership that provides 10 free lounge visits per year to over 1,200 airport lounges worldwide
- Airport perks: Save time and money with priority security and taxi lanes, discounted valet parking, and dedicated parking
- Hotel benefits: Enjoy luxury benefits at over 200 Relais & Châteaux properties around the world
- Avis rental car benefits: Cardholders enjoy a complimentary Avis President's Club membership annually, allowing them to bypass rental counter queues and head directly to their vehicle at most Avis locations
- Visa travel perks: Visa Infinite Privilege priority services at select Canadian airports provide expedited baggage handling and priority check-in
Finally, the card comes with that previously mentioned welcome bonus. The card offers up to 100,000 bonus Scene+ points†(worth $1,000) through a three-tiered structure:
-
• Earn up to 100,000 bonus Scene+ points within your first 14 months.†
To qualify for this Offer make sure to open a new Scotiabank Passport® Visa Infinite Privilege* credit card account between January 2, 2026 and April 30, 2026.
To qualify for up to 100,000 bonus Scene+ points:
Earn 30,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
Earn an additional 45,000 bonus Scene+ points when you spend at least $20,000 in everyday eligible purchases in your first 6 months.
Earn an additional 25,000 bonus Scene+ points when you make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened.
Rates, fees and other information are effective as of January 2, 2026. Subject to change.
†Terms and Conditions Apply
Scotiabank Passport® VIP insurance coverage
Insurance type
Coverage details
Emergency medical insurance
Up to $5 million for trips up to 31 days (10 days for travellers aged 65+)
Trip cancellation insurance
Up to $10,000
Trip interruption insurance
Up to $25,000
Flight delay insurance
Up to $1,000 per person for delays over four hours
Lost and delayed baggage insurance
Up to $1,000
Rental car collision/damage insurance
Covers vehicles with MSRP up to $85,000
Mobile device insurance
Up to $1,000 for lost, stolen, or damaged smartphones/tablets
Purchase security
Covers purchases against theft or damage for 180 days
Extended warranty
Extends manufacturer warranties by up to 2 years
Extra benefits of the Scotiabank Passport® Visa Infinite Privilege*
- Concierge service: 24/7 expert advice with your complimentary and unlimited concierge service in English and French
- OpenTable: Get access to primetime reservations at some of the hottest restaurants in select cities in Canada, the U.S. and Mexico through OpenTable
- Exclusive benefits at the Toronto International Film Festival
- Golf benefits: Experience world-class golf with access to more than 25 members-only Privé Club courses around the world
- Scene+ mobile app access
Both cards earn Scene+ points and have no foreign transaction fees, but the Privilege card justifies its higher fee with a $250 annual travel credit, 10 complimentary airport lounge visits annually and premium Visa Infinite Privilege benefits, including airport fast-track services. The regular Infinite card provides six airport lounge visits annually, but doesn't include a travel credit or the enhanced airport services.
The regular Infinite card makes sense for occasional travellers who want to avoid foreign transaction fees without paying a premium annual fee. The Privilege card delivers financial value for frequent international travellers who can maximize the enhanced earnings, annual travel credit and premium benefits to offset the higher fee.
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
up to 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- No FX fees means the card saves you significant expenses on foreign transaction fees
- Earn up to 3x Scene+ points per $1 spent on eligible purchases
- Flexible and straightforward redemption program
- Visa acceptance globally compared to American Express, especially outside major cities
- Enjoy six annual visits to airport lounges
- Robust insurance offerings, including extended travel emergency medical coverage
- Access to Visa Infinite Program benefits, with added advantages like a free supplementary card
Cons
- High annual fee
- Limited rewards categories for earning reward max rate on purchases
- Primarily best for travel within Canada
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
The Scotiabank card ($599) offers fixed-value Scene+ points with no foreign transaction fees and 10 annual lounge visits. It's better for travellers wanting straightforward rewards and wider card acceptance.
The Amex Platinum ($799) provides transferable points with potentially higher value, unlimited premium lounge access worldwide and exclusive hotel benefits. It's ideal for luxury travellers who can maximize its extensive premium perks despite the higher fee and foreign transaction charges.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
These two cards both cater to similar Canadians – namely, high-income Canadians who travel frequently. However, the cards cater to different travel preferences and priorities.
The fundamental difference between these cards lies in their reward systems:
- The Scotiabank card earns Scene+ points (fixed value of 1 cent per point) with 3x on travel, 2x on dining/entertainment and 1x on everything else
- The TD Aeroplan card earns Aeroplan points (variable value, averaging 1.6 cents per point) with 2x on Air Canada purchases, 1.5x on groceries/gas/travel/dining and 1.25x on everything else
The TD card features significant Air Canada-specific perks including priority airport services, annual companion pass (from $99+taxes after spending $25,000) and free first checked bag for up to eight travellers.
The Scotiabank card offers a $250 annual travel credit (for Scene+ Travel bookings) and no foreign transaction fees, while TD charges the standard 2.5% on foreign transactions.
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
up to 85,000 pts†
Welcome Bonus
$3,067
First Year Value
$67
Annual Value
Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Get this card if you...
- want exclusive travel perks like lounge access
- want to maximize your Aeroplan points with great offers
- want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
What users have to say about the Passport® Visa Infinite Privilege*
While the Scotiabank Passport® Visa Infinite Privilege* Card is relatively new to the Canadian credit card market, that doesn’t mean Reddit users haven’t chimed in on the new product from Scotia bank.
“I feel like lounge access is no longer the exclusive perk it used to be. The lines get longer and it gets more crowded every time I go."
Reddit user u/stanleys-nickels
Is the Scotiabank Passport® Visa Infinite Privilege* Card worth it?
Just how well suited you are for the Scotiabank Passport® Visa Infinite Privilege* really depends on what you want out of a travel credit card. If it’s premium perks at a reasonable price point, the Passport ticks the right boxes thanks to its 10 airport lounge passes, no foreign transaction fees, $250 travel statement credit and a plethora of other perks from Scotiabank, Scene+, Visa, OpenTable and more.
The card is even a decent earner, offering travel-focused rewards where the more everyday focused Scotiabank Passport® Visa Infinite* Card. Heck, even the welcome bonus is great (and valued at more than $800).
But if you are interested in value (i.e. squeezing every cent’s worth of value out of the card), it may not be for you. Indeed, you can probably use the Visa Infinite Card and accomplish many of the same tricks. For example, you can get 12 lounge visits with the regular Passport Visa Infinite by adding an authorized user and registering their card.
Ultimately, the Scotiabank Passport® Visa Infinite Privilege* Card makes most sense for the dedicated Scotiabank customer who can pair the card with existing Scotiabank products to reduce the annual fee.
Eligibility requirements
- Age: Must be the age of majority in your province or territory (18+)
- Residency: Must be a Canadian resident
- Income: $150,000 (personal), $200,000 (household) or a minimum of $400,000 assets under management by Scotiabank
- Credit needed: Very Good
Disclosures
-
Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite Privilege* Card to learn more.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
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Disclaimer
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities enter into any loan, mortgage or insurance agreements or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.