The Scotiabank Passport Visa Infinite Card has a new sibling – the Scotiabank Passport Visa Infinite Privilege Card. This new Visa Infinite Privilege card ups the ante on perks while offering Scene+ points everywhere and not charging foreign exchange fees. It's a well-rounded travel card that covers plenty – let’s dig into what it’s all about.
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What does the Scotiabank Passport Visa Infinite Privilege Card offer?
As a Visa Infinite Privilege card, you can expect solid rewards, a comprehensive insurance package, and lots of perks.
Rewards
The Scotiabank Passport Visa Infinite Privilege Card is the newest member of the Scene+ rewards program. The rewards structure is geared towards travel.
- 3 points per $1 spent on travel
- 2 points per $1 spent on restaurants and entertainment
- 1 point per $1 on all other purchases
Based on our typical $2,000 monthly spend, those rates would earn around 28,200 points per year, which can be used towards travel, groceries, or movie tickets.
No foreign exchange fees
Scotiabank continues to be the only Big 5 bank that offers no foreign exchange fees – and with this card, they've added another one to their count.
They now have 4 personal credit cards that charge no foreign exchange fees. If you spend a decent amount of money on purchases outside of Canadian dollars, these credit cards will save you money.
In fact, Scotiabank will probably be your first and second choice when it comes to no fx fee credit cards in Canada. It's their world and everyone else is living in it.
Here are those cards.
- Scotiabank Passport Visa Infinite Privilege Card
- Scotiabank Passport Visa Infinite Card
- Scotiabank Gold American Express Card
- Scotiabank American Express Platinum Card
Insurance
The insurance package included is a step above what the Scotiabank Passport Visa Infinite Card offers. Here are the full details on what's included.
Scotiabank Passport® Visa Infinite Privilege* Card
| Extended Warranty | 2 years |
| Purchase Protection | 180 days |
| Mobile Device | $1,000 |
| Travel Accident | $500,000 |
| Emergency Medical Term | 31 days |
| Emergency Medical over 65 | 10 days |
| Trip Cancellation | $2,500 |
| Trip Interruption | $5,000 |
| Flight Delay | $1,000 |
| Baggage Delay | $1,000 |
| Lost or Stolen Baggage | $2,500 |
| Hotel Burglary | $2,500 |
| Rental Car Theft & Damage | Yes |
Please review your insurance certificate for details, exclusions and limitations of your coverage.
With all these high coverage amounts and emergency medical for those over 65 it's one of the best credit card insurance packages around.
Perks
There's quite a list of perks that come with this card.
- Visa Infinite Privilege perks. The usual Visa Infinite Privilege perks are here, The bigger ones include a Visa Airport Companion membership with 10 free passes and benefits at Montreal, Ottawa, Toronto-Billy Bishop, and Vancouver airports like priority security.
- Annual travel credit. Every year you'll get a $250 travel credit for use at Scene+ Travel, Powered by Expedia. It gets applied automatically.
- Avis President’s Club membership. You'll get an advanced membership with Avis, which includes free car upgrades and the ability to skip the line.
Annual Fee and income requirements
To get all this, the annual fee is steep – it's $599. The income requirements are also steep at $150,000 personal or $200,000 household, like all other Visa Infinite Privilege cards.
The annual fee can be lowered with a Scotiabank Ultimate Package. As part of the credit card annual fee waiver benefit, you;'ll be able to reduce the annual fee by $150.
Scotiabank Ultimate Package
Comparison to the Scotiabank Passport Visa Infinite Card
We now have 2 personal Passport Visa cards from Scotiabank – here's how they compare.
| Scotiabank Passport Visa Infinite Privilege Card | Scotiabank Passport Visa Infinite Card | |
|---|---|---|
| Earn Rates | * 3 points per $1 spent on travel * 2 points per $1 spent on restaurants and entertainment * 1 point per $1 on all other purchases | * 3 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more * 2 Scene+ points per $1 spent on groceries, restaurants, entertainment, and daily transit * 1 Scene+ point per $1 on all other purchases |
| Estimated Scene+ points earned per year | 28,200 points | 32,400 points |
| Perks | * Visa Infinite Privilege Benefits * Visa Airport Companion membership + 10 free passes * $250 Scene+ travel credit * No foreign exchange fees * Avis President’s Club membership | * Visa Infinite Benefits * Visa Airport Companion membership + 6 free passes * No foreign exchange fees |
| Insurance Coverage | 12 types | 12 types |
| Annual Fee | $599 | $599 |
| Income Requirements | * $150,000 personal * $200,000 household | * $150,000 personal * $200,000 household |
The annual fee is the obvious elephant in the room when looking at these cards – the Scotiabank Passport Visa Infinite Privilege Card will cost you far more to keep.
And they share a few of the same perks:
- No foreign exchange fees
- Airport lounge access, but the VIP card includes 4 more passes
And while the insurance coverages are increased, they largely have the same types of coverage. The VIP card adds mobile device insurance.
Your rewards will depend on your spending, but the Scotiabank Passport Visa Infinite Card does come ahead as it has rewards on groceries whereas the Scotiabank Passport Visa Infinite Privilege Card is more travel focused.
It's those extra benefits where the Scotiabank Passport Visa Infinite Privilege Card comes ahead. The $250 travel credit essentially lowers the annual fee to $349. And with it, you'll get some increased Infinite Privilege benefits and the Avis Presidents Club. It's up to you to decide if that's worth it.
$30 GeniusCash + Up to 45k bonus Scene+ points in year 1 + 6 free airport lounge passes.*
GC: $30
GC: $175
Share your thoughts about Scotia's new credit card
What do you think of Scotiabank’s new offering? Is it worth the annual fee, or will the Scotiabank Passport Visa Infinite Card meet your needs for a lower cost?
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