Scotiabank Passport^® Visa Infinite Privilege^* Card

Offer structure (3 separate bonuses)

• 30,000 points Bonus after spending $3,000 (in a maximum of 3 months)
  
• 30,000 points Bonus after spending $2o,000 total (in a maximum of 6 months)
• *20,000 points Bonus after making an eligible purchase in the 14^th month
  *NOT INCLUDED IN OUR FLYTRIPPERS VALUATION

60,000 points Total with the 2 main parts of the bonus
*80,000 points Total with the 3 parts of the bonus
*NOT INCLUDED IN OUR FLYTRIPPERS VALUATION

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

Total rewards by unlocking the welcome bonus

• 60,000 points Welcome bonus (2 main parts)
• 3,000 points Minimum earn on the $3,000 minimum spending requirement (at base earn rate of 1 pt/$)
• 17,000 points Minimum earn on the extra $17,000 minimum spending requirement (at base earn rate of 1 pt/$)

80,000 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

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

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

• $300 Bonus after $3,000 (30,000 pts)
• $300 Bonus after an extra $17,000 (30,000 pts)
• $30 Earn on the min. spending of $3,000 (3,000 pts)
• $170 Earn on the min. spending of $17,000 more (17,000 pts)
• $250 Annual travel credit
• –$599 Card fee (Deducted from Valuation)

$451 Total net value by unlocking the welcome bonus

‣ Learn more about our Flytrippers Valuation of welcome bonuses

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Effective return rate

2.3% Return on the minimum spending requirement ($451 on $20,000 in 6 months)

‣ Learn more about effective return rates (coming soon)

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Rewards acquisition summary

$1050 Rewards you get for $599

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

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 80,000 Scene+ points you get by unlocking the welcome bonus (the travel credit is separate):

• $800 Travel booked on any website
• $800 Travel booked on the Scene+ website
  
• $800 Merchandise at participating stores
• ≈ $560 to $800 Gift cards
• ≈ $560 Merchandise
• $560 Cash back as a statement credit

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

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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 80,000 Scene+ points for:

• 80,000 pts Discount of $800 on travel booked on any website

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

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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 80,000 Scene+ points for:

• 80,000 pts Discount of $800 on travel booked on the Scene+ website

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

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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 80,000 Scene+ points for:

• 80,000 pts Discount of $800 at participating retailers

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

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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)

10 annual free passes for VIP airport lounges worldwide
You get 10 free passes to enter 1,200+ airport lounges around the world, including 22 in 9 Canadian airports. All DragonPass lounges (Visa Airport Companion by DragonPass).

‣Learn more about the airport lounge access

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Annual $250 travel credit
You get a $250 travel credit that applies on your 1^st flight/hotel/etc. booking of $250 or more at Scene+ Travel, Powered by Expedia every year.

‣ Details about the Scotiabank annual travel credit (coming soon)

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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

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Car rental elite status benefit
You get Avis President’s Club elite status.

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

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Priority lanes in select Canadian airports
Access a priority lane for security checkpoints in select Canadian airports.

‣Learn more about the Visa Infinite Privilege security benefit (coming soon)

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Parking and valet service discounts in select Canadian airports
Get discounted prices on parking and valet services in select Canadian airports.

‣Learn more about the Visa Infinite Privilege airport benefit (coming soon)

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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)

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

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

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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)

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Visa Infinite Entertainment Access
You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣ Details about the Visa Infinite Entertainment Access program (coming soon)

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Visa Infinite Troon Golf
Receive elevated Troon Rewards Silver Status at over 95 courses and 10% off on green fees, merchandise, and lessons at participating Troon Rewards golf courses.

‣Learn more about the Visa Infinite Troon Golf program (coming soon)

Insurance included

• Medical travel insurance for ages 64 and under (31 days)
• Medical insurance for ages 65 and above (10 days)
• Trip cancelation insurance
• Trip interruption insurance
• Flight delay insurance ($1000; 4hr minimum)
• Delayed and lost baggage insurance
• Rental car damage insurance
• Hotel burglary insurance
• Travel accident insurance
• Mobile device insurance
• Purchase protection coverage
• Extended warranty coverage

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

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Insurance not included (among the main types)

• None

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

Earn rates (and effective return at our Flytrippers Valuation)

3 points per $ (3%):

• Travel

2 points per $ (2%):

• Restaurants and food delivery apps
• Entertainment (movies, theaters, ticket agencies, museums, etc.)

1 point per $ (1%):

• Everywhere else

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool Scene+ points with optional additional cards (“joint” cards) added to this account. Additional cards have a fee of $199.

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

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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)

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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 Privilege^* Card!

‣ Details about Scene+ points expiration (coming soon)

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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 Privilege^* Card
• Spend $3,000 (in a maximum of 3 months) to unlock 1^st part of bonus
• Spend $17,000 more (in a maximum of 6 months) to unlock 2^nd part of bonus

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

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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: $150,000 (personal) OR $200,000 (household)
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: TransUnion Canada

‣ Details about credit card eligibility requirements (coming soon)

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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)

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Offer end date
Offer ends October 31, 2025

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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: $599/year
• Fee for optional additional card: $199
• Foreign transaction fee: 0%

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

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Annual interest rates

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

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

SPECIAL OFFER

Your luxury experience starts with 80,000 Scene+TM points‡

That’s up to $800 in value for your travels.