There are many travel credit cards in Canada, from frequent flyer program-branded cards to cash back ones, the choice is yours. However, the Scotiabank Passport Infinite Card that doesn’t charge foreign exchange (FX) fees.

This offer ends 31 October, 2021.

Bonus offer & points

Earn 30,000 bonus points when you spend $1,000 in the first 3 months of enrollment. Another 10,000 Scotia Rewards points can be earned when you spend $40,000 per year. Scotia Rewards points can be used towards travel.

Carholders will earn 5x for t the first 3 months on travel purchases. Also, 2 Scotia Rewards points per $1 on:

  • Grocery stores (metro, IGA, Loblaws, Safway & others);
  • Restaurants;
  • Entertainment purchases (cinema, shows, theaters);
  • Transit purchases which cover taxi, metro, train, ferries & bus fares.

There’s a $50,000 cap on the 2 points for $1 earnings. This cap is calculated on a calendar year-basis. Any other purchase category will earn 1 point per $1 spent. It’s a good way to earn a lot of points on everyday purchases.

First year fee of $139 is waived! This is a strong offer as you can gain an easy $400 in travel cashback plus so many other benefits we’ll see below.

Scotiabank Passport Visa Infinite card travel benefits

The card offers some travel benefits that bring a lot of value and savings to Canadians who travel outside Canada. Let’s see what they are and how they can be leverage

No FX charges

No Foreign Exchange (FX) charges is probably the top forte of the card. We know that the vast majority of credit cards charge on average 2.5% on foreign conversion. That can represent $50 in fees on a $2,000 spend.

This is good news for people who travel frequently. Also, Visa is accepted worldwide and makes it easy to charge the card without having to handle cash. Restaurants, coffees, groceries, hotels and other purchases can add up real fast. The card allows to save a few hundreds of dollars whether you travel once a year or frequently.

Also if you shop online outside of Canada often, your savings will stack up as you’ll avoid the pesky foreign exchange rate.

Priority Pass access

Cardholders get complimentary 6 Priority Pass access per 12 month-cycle from the date of enrollment. That means all 6 passes have to be used inside the 12-month period. Priority Pass membership ends when cardholder member cancels their Scotiabank Passport Infinite Card.

Istanbul (International Terminal)
IGA Lounge Istanbul (International Terminal)

Priority Pass offers more than 1,000 lounges across the world. I have experienced some extraordinary lounges such as the Primeclass Lounge Muscat, Primeclass Lounge Zurich Terminal E and the Plaza Premium Lounge Heathrow Terminal 5A. Airport lounges access is of great value for the significant savings on food & beverages but also for a quieter space on a layover.

Solid travel insurance

The card comes with a suite of travel insurance coverage. You can go through them in the dedicated Scotiabank Passport Infinite Card Welcome Kit pdf made available online:

Travel Emergency Medical

Trip Cancellation

Trip Interruption

Flight Delay

Delayed & Lost Baggages

Hotel Burglary

Car Rental Collision & Damage

Common Carrier Travel Accident


Those who wish to obtain the card must have an annual income of $60,000 or more, or have a minimum household income of $100,000. Hence, use the income level scenario that will make your application more favorable.

How I used the card

I got the card in January 2020. I used it to pay for my 7 nights at the Doubletree Zagreb and Istanbul Old Town. I took the 30,000 bonus and subsidized the hotels stays. That’s $300 in cashback and zero foreign exchange fees.

Verdict on the Scotiabank Passport Visa Infinite Card

As a travel you need a credit card which does not charge a fee on the foreign exchange payments. The Scotiabank Passport Infinite Card does a good on that in addition to providing 6 annual lounge passes.