Card Features
- Annual fee waiver for the first year. For accounts opened by July 31, 2017.
- 4% on eligible gas station and grocery store purchases
- 2% on eligible drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of May 1, 2017. Subject to change.
- VISA Infinite Complimentary Concierge Service - available 24/7
- Access to VISA Infinite Luxury Hotel Collection
- VISA Infinite Dining Series - Unique dining experiences in some of Canada’s top restaurants
- Special access to unique offers and experiences
- Rental car collision insurance
- Purchase security and extended warranty protection
NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
Interest Rates
APR: 19.99%
Balance Transfer APR: 22.99%
Cash Advance APR: 22.99%
Annual Fee
First year free, then $99
Additional Cardholders: $30
Pros
- 4% cash back on gas and groceries
- 2% cash back on recurring bill payments
- Visa Infinite benefits
Cons
- Excellent credit required to be approved
- High income requirements
Bonus Offer
Annual fee waiver for the first year. For accounts opened by July 31, 2017.
Introductory Rates
Reward Earnings Rate
4% on gas and groceries; 2% on recurring purchases and drug stores; 1% everywhere else
Additional Details
Grace Period: 21 Days
Minimum Credit Limit: $5,000
Fees
Balance Transfer Fee: 1.00%
Cash Advance Fee: $2.50
Foreign Transaction Fee: 2.5%
Over Credit Limit Fee: $29