We do not charge any foreign currency conversion fees, only the exchange rate applies. See the Application Disclosure Statement, under "Foreign Currency Conversion Fees" section for full details.

The 20,000 Bonus Scene+ Points,First Year Annual Fee Waiver  and Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened by February 28, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply.  Offer may be changed, cancelled or extended at anytime without notice and cannot be combined with any other offers. 

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. 

20,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 20,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 20,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3  business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by February 28, 2022. 

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges.

The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above). 

Introductory 2.99% Interest Rate Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Rate Offer”) applies only to purchases, cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by February 28, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”).  After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).

If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Rate Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Rate Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account.  There is no balance transfer fee on balances transferred during the Promotional Period. 

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter. 

The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. 

You will earn 2 points per $1 on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account (the “Account”) annually at the following: purchases made at merchants classified in the Visa credit card network as: Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers; Railroads, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner, in which case this added benefit would not apply.   The annual spend calculation for the $50,000 maximum threshold is calculated annually from January 1st to December 31st each year.

You will earn 1 point per $1 on purchases made on the Account after the 2 points per $1 / $50,000 annual spend maximum is reached and on all other purchases made on the Account.

Scene+ points are only awarded on purchases.  Scene+ points are not awarded for cash advances, balance transfers, Scotia Credit Card Cheques, payments, returns, refunds or other similar credits, fees or interest or other charges. Scene+ points must be redeemed within 60 days of Account closure or they will be deleted permanently. If your Account is not in good standing, the accumulated Scene+ points are not eligible for redemption.

The primary cardmember and/or co-borrower are liable for all charges incurred on the Scotiabank credit card account by any supplementary card issued in connection with the account.

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change.  The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases:  Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel  regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase:  Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates .

Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.

The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Avis Preferred Plus membership and services are provided by a third party. The Bank of Nova Scotia and its affiliates are not responsible for Avis Preferred Plus membership and services.

You must be an eligible Visa Infinite Cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/infinite/terms.jsp). The Visa Infinite privacy policy (available at www.visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

Terms and conditions apply. See the Scene+ program terms and conditions for full details.

Priority Pass™ membership is for the Primary Cardmember on the Scotiabank Passport Visa Infinite account.It includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Passport Visa Infinite Card is cancelled. Lounge visits are counted on a per person per visit basis (e.g. Lounge access by a Cardmember and one accompanying guest will count as two (2) visits). The first 6 lounge visits for the primary Cardmember per 12-month cycle from date of enrolment are complimentary (including Priority Pass and Plaza Premium Lounges). Beginning with the 7th visit for the primary Cardmember, lounge visits are subject to a per person per visit charge of $32 USD (this per visit fee is subject to change by Priority Pass). Priority Pass membership and services are provided by a third party and offered through Visa Canada. The Bank of Nova Scotia and Visa, and each of their affiliates, are not responsible for the Priority Pass membership or services. All fees, features and benefits are subject to change. For complete terms and conditions please visit https://prioritypass.com/en/conditions-of-use and https://ppg.dragonpass.ca/visacanada

Concierge Service provided by a duly licensed third-party premium concierge provider: AXA Assistance USA, Inc.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to The Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

All Scotiabank retail credit cards, except ScotiaLine Visa Card, Scotiabank Value Visa Card, and No-Fee Scotiabank Value Visa Card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.

Visa Int. / Licensed User 

Click to Pay is an online checkout solution provided by a third party that supports American Express, Mastercard and Visa cards and is based on EMV® SRC Specifications. The Bank of Nova Scotia is not responsible for this service.

Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.