Scotiabank Passport Visa Infinite Review

In this article, you will learn more about the Scotiabank Passport Visa Infinite. In my opinion, this credit card is often overlooked. What people don’t know is that it does have some unique perks that would benefit Canadians who love travelling.

Disclaimer – Scotiabank credit cards contain my referral link

VIDEO – Scotiabank Passport Visa Infinite Review

Scotiabank Passport Visa Infinite

The Scotiabank Passport Visa Infinite currently has a promotion that can help you earn 40,000 Scotia Rewards points. You will earn 30,000 points after spending $1000 within 90 days of being approved for the credit card. Then, you can earn an additional 10,000 points after spending $40,000 on everyday eligible purchases every year.

Honestly, I don’t see people try and spend $40,000 to earn an additional 10,000 points. But, most people can definitely earn that 30,000 points quite easily. The credit card has an annual fee of $139. You can offset this by using the Great Canadian Rebates link to get $100 back. This will effectively make your annual fee $39 after the cashback. 30,000 points for $39 is a pretty sweet deal.

Perks

  • Earn 2x Scotia Rewards points for every $1 spent on eligible groceries, dining, entertainment purchases, and daily transit (bus, subway, taxi, etc)
  • 1x Scotia Rewards points on everything else
  • No foreign transaction fee

In my opinion, the no foreign transaction fee is the best feature of this credit card. Once travel becomes available again, you can use this card for purchases abroad. The exchange rate is still favorable to the bank but at least you avoid paying an extra foreign transaction fee that most credit cards will charge you.

You can also pool your Scotia Rewards points together. So if you also get the Scotiabank AMEX Gold card, you can effectively earn 70,000+ points.

Conclusion

I personally applied for this credit card through the Great Canadian Rebates link. The reason I decided to get this credit card is that I want to pool my points together between both credit cards. My plan is to redeem them against the Le Meridien Maldives redemption I recently made. While the overwater bungalow stay will be free, the seaplane transport to the island is not. The transfer will cost an additional $420 USD per person. In my case, it’s $840 USD because it’s for my girlfriend and me.

When using your Scotia Rewards points, 1000 points is equivalent to $10. The only catch is that you need to be able to pay for the entire travel purchase. You are not allowed partial redemptions. $840 USD is about $1020 CAD. That means I need 102,000 Scotia Rewards points to clear that amount fully. Having both the Scotiabank Passport Visa Infinite and Scotiabank AMEX Gold card already clears 70,000 points. That means I’ll only need an additional 32,000 points to be able to clear that expensive transfer fee altogether.

Having both these credit cards can help you (like it’s helping me), cover all bases when it comes to earning and burning points and miles. Scotia Rewards will help fill in the gaps that are left by Aeroplan, British Airways Avios, Alaska Airlines, and Marriott when it comes to travel-related redemptions.

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