Scotiabank Passport^® Visa Infinite +* Card

Offer structure (2 separate bonuses)

• 25,000 points Bonus after spending $2,000 (in a maximum of 3 months)
  
• *10,000 points Bonus after spending $40,000 (in a maximum of 12 months)
  *NOT INCLUDED IN OUR FLYTRIPPERS VALUATION

25,000 points Total with the main part of the bonus
*35,000 points Total with the 2 parts of the bonus
*NOT INCLUDED IN OUR FLYTRIPPERS VALUATION

‣ Apply for the Scotiabank Passport^® Visa Infinite +* Card

Total rewards by unlocking the welcome bonus

• 25,000 points Welcome bonus (main part)
• 4,000 points Estimated earn on the $2,000 minimum spending requirement (at multiplier earn rate of 2 pts/$)

29,000 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

‣ Apply for the Scotiabank Passport^® Visa Infinite +* Card

Net value (at our Flytrippers Valuation of 1.¢/pt)

• $250 Welcome bonus (25,000 pts)
• $40 Earn on the spending requirement (4,000 pts)
• –$150 Card fee (Deducted from Valuation)

$140 Total net value by unlocking the welcome bonus

‣ Learn more about our Flytrippers Valuation of welcome bonuses

━

Effective return rate

7% Return on the minimum spending requirement ($140 on $2,000 in 3 months)

‣ Learn more about effective return rates (coming soon)

━

Rewards acquisition summary

$290 Rewards you get for $150

‣ Apply for the Scotiabank Passport^® Visa Infinite +^* Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 29,000 Scene+ points you get by unlocking the welcome bonus:

$290 Travel booked on any website
$290 Travel booked on the Scene+ website
$290 Merchandise at participating stores
≈ $203 to $290 Gift cards
≈ $203 Merchandise
$203 Cash back as a statement credit

‣ Learn more about the best redemptions of Scene+ points (coming soon)

━

Value of redemption options (per point)

For each available redemption option, here is the value per Scene+ point to help you understand:

1¢ Travel booked on any website
1¢ Travel booked on the Scene+ website
1¢ Merchandise at participating stores
≈ 0.7¢ to 1¢ Gift cards
≈ 0.7¢ Merchandise
$0.7¢ Cash back as a statement credit

‣ Learn more about the basics of the values per point (coming soon)

Redemptions for travel (any website)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. Scene+ points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 29,000 Scene+ points for:

29,000 pts Discount of $290 on travel booked on any website

‣Learn more about the best redemptions of Scene+ points (coming soon)

━

Redemptions for travel (Scene+ website)

Another more simple type of rewards redemption, with a fixed value. There’s really no reason to use them this way though, as you don’t get more value.

Redeem your 29,000 Scene+ points for:

29,000 pts Discount of $290 on travel booked on the Scene+ website

‣Learn more about the best redemptions of Scene+ points (coming soon)

━

Redemptions for merchandise (participating retailers)

Another more simple type of rewards redemption, with a fixed value. It’s one of the extremely rare instances where you should use points for something other than travel, as you get the same value if you use them for merchandise at Sobeys, Safeway, FreshCo, Foodland, IGA (QC), Home Hardware, Recipe Unlimited’s many restaurant brands, Cineplex, etc.

Redeem your 29,000 Scene+ points for:

29,000 pts Discount of $290 at participating retailers

‣Learn more about the best redemptions of Scene+ points (coming soon)

━

Redemptions for anything other than travel (except at participating stores)

Should always be avoided, as with all rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

6 annual free passes for VIP airport lounges worldwide
You get 6 free passes to enter 1,200+ airport lounges around the world, including 21 in 8 Canadian airports. All DragonPass lounges (Visa Airport Companion by DragonPass).

‣Learn more about the airport lounge access

━

No foreign transaction fees
One of the few cards in Canada that does not charge a 2.5% fee for all foreign currency transactions.

‣ Learn more about foreign transaction fees

━

Car rental elite status benefit
You get elite status with Avis.

‣ Learn more about the Scotiabank elite status benefits (coming soon)

━

Visa Infinite Concierge Service
You get access to a 24/7 concierge service to help you book travel, make restaurant reservations, find tickets, organize flower or other deliveries, and perform other research tasks for you.

‣ Learn more about the Visa Infinite Concierge Service (coming soon)

━

Visa Infinite Hotel Collection
You get exclusive perks at some expensive luxury hotels.

‣ Learn more about the Visa Infinite Hotel Collection (coming soon)

━

Visa Infinite Dining and Wine Country program
You get access to exclusive expensive gourmet experiences.

‣ Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

━

0.10¢/L off at Shell
Link your card and earn up to 0.10¢/L at Shell.

‣Learn more about the Scotiabank Shell benefit (coming soon)

━

Insurance included

• Medical travel insurance for ages 64 and under (25 days)
• Medical insurance for ages 65 and above (3 days)
• Trip cancelation insurance
• Trip interruption insurance
• Flight delay insurance ($500; 4hr minimum)
• Delayed and lost baggage insurance
• Rental car damage insurance
• Hotel burglary insurance
• Travel accident insurance
• Purchase protection coverage
• Extended warranty coverage

‣ Details about the insurance coverage included with the card (coming soon)

━

Insurance not included (among the main types)

• Mobile device insurance

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

3 points per $ (3%):

• Sobeys, Safeway, FreshCo, Foodland, Co-Ops, IGA (Québec), Thrifty Foods, other Empire grocery banners
• Voilà grocery delivery
• Indirectly at retailers available via grocery store gift card displays

2 points per $ (2%):

• Other grocery stores (and their gift cards)
• Restaurants and food delivery apps
• Entertainment (movies, theaters, ticket agencies)
• Transit (rideshares, taxis, buses, subways, and more)

1 point per $ (1%):

• Everywhere else

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool Scene+ points with additional cards (“joint” cards) added to this account. The 1^st additional card is free and other additional cards have a fee of $50.

‣ Details about pooling rewards with additional cards (coming soon)

━

Pooling (with separate cards that earn Scene+ points)
You can pool points across your separate cards that earn Scene+ points.

‣ Details about pooling Scene+ points from separate cards (coming soon)

━

Pooling (with travel companions)
You cannot pool Scene+ points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling Scene+ points with travel companions (coming soon)

Expiration (if you have the card)
Scene+ points never expire as long as you have the Scotiabank Passport^® Visa Infinite +* Card!

‣ Details about Scene+ points expiration (coming soon)

━

Expiration (if you don’t have the card)
You have 2 options to easily keep your Scene+ points from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Have at least 1 activity in your Scene+ account every 24 months

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the Scotiabank Passport^® Visa Infinite +* Card
• Spend $2,000 (in a maximum of 3 months) to unlock main part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

━

How to use/manage rewards

• Create a Scotiabank online account in a few clicks
• Use/manage your Scene+ points on the Scotiabank website or Scotiabank app

‣ Details about how to use/manage Scene+ points (coming soon)

Card eligibility

• Minimum income: $60,000 (personal) OR $100,000 (household)
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: TransUnion Canada

‣ Details about credit card eligibility requirements (coming soon)

━

Welcome bonus eligibility
You must not have had a Scotia card in the past 2 years (including joint cards)

‣ Details about credit card welcome bonus eligibility rules (coming soon)

━

Offer end date
Offer ends November 1^st, 2026

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

━

Summary of card details

• Issuer: Scotiabank
• Network: Visa
• Card type: Credit card
• Product type: Personal card
• Rewards: Scene+ points
• Rewards class: Bank/retailer rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $150/year
• Fee for optional additional card (1^st): $0
• Fee for more optional additional cards: $50/year
• Foreign transaction fee: 0%

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

━

Annual interest rates

• Purchase: 20.99%
• Funds advance: 22.99%
• Balance transfer: N/A

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

• Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of May 22, 2026:
• $250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months
• $100 in travel points (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account .
• $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients
• $132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don’t pay the 2.5% foreign transaction fee markup typically charged by other card issuers);
• $364 in first year point earn potential (36,400 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined.
• $358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$357/USD$259).
• Currency conversion as at May 22, 2026.
• Potential First Year Value = up to $1,254 (rounded down to $1,250)
• Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers.
• Conditions apply.
• 1 Offer Description and Conditions: The 25,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite + credit card accounts (“Accounts”) that are opened between August 4, 2026 to November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below.
• Offer may be changed, cancelled or extended at any time 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.
• 25,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date.
• 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 (the “Annual Point Bonus”) 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.
• If you switch from another Scene+ eligible Credit Card to the Scotiabank Passport Visa Infinite + Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Scotiabank Passport Visa Infinite + Card and your annual period for this benefit will begin on the next anniversary of your original Account open date.
• For Example: If you originally opened a Scotiabank^®* Gold American Express^® Card on January 15, 2022, and switch that Card to the Scotiabank Passport^® Visa Infinite +* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point benefit will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15^th afterwards.
• You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
• Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing.
• For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 25,000 Point Bonus, and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $40,000) in the appropriate time frame (i.e., first 3 months or first 12 months).
• If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 25,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account.
• Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.
• 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.
• All other terms and conditions of the Program Terms continue to apply during the Offer period.
• Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal 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 also eligible for the Offer.
• Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).
• The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
• All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.