How to apply for Scotia Momentum Visa Infinite Card: full step-by-step guide
Requirements, required documents and detailed steps to apply online or in branch.
This guide explains the eligibility criteria, required documents, and detailed steps for applying for the Scotia Momentum Visa Infinite Card.
Understanding each stage helps streamline your application and avoid delays or missed opportunities for promotional offers.
Step 1: Prepare your documents
Begin by gathering personal identification, which may include a valid government-issued photo ID such as a Canadian passport, driver’s licence, or provincial identity card.
Having the correct identification ensures Scotiabank can verify your identity for security and regulatory purposes.
Next, prepare proof of income. Employees usually provide recent payslips, while self-employed applicants submit tax returns or notices of assessment.
Retirees can use pension statements.
This documentation helps the bank verify that you meet the minimum income thresholds required for this credit card, which is typically a personal annual income of at least $60,000 or a household annual income of at least $100,000.
Proof of address is also required. A utility bill (hydro, gas, water, or landline phone) dated within the past three months is commonly accepted.
This ensures your home address matches the application and supports fraud prevention.
It is also helpful to have supporting documents ready if you have assets under management that may be relevant to your eligibility, as the bank may consider total assets in some cases (such as bank or investment account statements).
Having all documentation accurate and current increases the chance of a smooth application review and reduces the likelihood of processing delays.
Step 2: Submit your application
Online method: Visit the official Scotiabank website and locate the Scotia Momentum Visa Infinite Card.
Click the apply button to start your application. You will be prompted to log in if you are an existing Scotiabank client, or proceed as a guest if new.
Fill out all required forms, providing your personal details, employment and income information, housing status, and financial commitments.
The portal requests you to upload your identification and proof of income and address.
Take time to verify that your entries match the documentation to minimize issues during review.
Review the application terms, consent to a credit check, and submit your application.
You will receive confirmation by email. Scotiabank may request additional details or documents if needed to complete the assessment.
Applicants may also apply in person at a Scotiabank branch. If applying on site, bring all original documents.
Bank staff review your application, verify your documents, and guide you through the submission and consent process.
Step 3: What happens after applying
After your application is submitted, Scotiabank conducts a credit assessment.
The bank reviews your credit history, income, employment status, and completeness of your documentation.
They verify that you meet the required income level and general card eligibility rules, which may include examining the stability of your income and confirming address authenticity.
The approval process time varies but often takes from a few minutes (for some online approvals) up to several business days if manual review is needed.
You receive notification by email or through online banking when a decision is made.
If approved, your Scotia Momentum Visa Infinite Card is prepared and shipped to your address.
Instructions on how to activate your card and set your PIN will be included in the delivery package or made available online.
You must activate the card before use and may be able to add it to Apple Pay or Google Pay immediately after activation.
If declined, Scotiabank will inform you and, in some cases, provide general reasons for the outcome.
You are free to apply again in the future once circumstances change.
Step 4: Review costs, limits, and final conditions
The regular annual fee is $120, with supplementary cards at $50 each. For eligible new cardholders, the first year’s fee is waived.
Promotional offers can expire, so always confirm current details before you apply.
Purchase interest is 20.99%, and the cash advance rate is 22.99%.
There is a 2% balance transfer fee if you take advantage of the introductory 0% balance transfer offer (for the first 12 months).
Fees for cash withdrawals and foreign transactions are not always listed publicly but may apply based on Scotiabank’s standard cardholder agreement.
The card’s minimum credit limit is $5,000. The actual limit assigned depends on your credit assessment and disclosed financials.
You can check your approved credit limit through your Scotiabank app or by contacting customer service once your application is approved.
No representative APR example is provided by the issuer online.
Your exact interest rates and costs depend on Scotiabank’s decision and your financial profile at the time of application.
Review all conditions before accepting the final offer.
Tips to increase your approval chances
Maintain a good credit history by paying bills on time, keeping existing credit card balances low, and avoiding missed payments before applying for new credit.
Having a stable income and up-to-date employment information also helps support your application.
Only apply for one credit card at a time and ensure your existing accounts are in good standing.
Multiple applications in a short period can negatively impact your credit assessment.
Review your application carefully for completeness to prevent errors or missing details that could cause processing delays.
About Scotiabank
Scotiabank is one of Canada’s largest banks and has served Canadian customers for nearly two centuries.
The institution offers a broad range of financial products, including credit cards, loans, savings, and investments, and is respected for its history and national presence.
Scotiabank is listed as one of Canada’s “Big Five” banks and provides reliable service across the country with strong customer protections.
Its digital banking solutions and robust fraud controls make it a trusted choice for Canadians seeking a secure credit card experience.
Applicants usually need a personal annual income of $60,000 or more, a household income of at least $100,000, or significant assets under management, plus a good credit profile.
You earn 4 percent on groceries and recurring payments, 2 percent on gas and transit, and 1 percent on all other eligible purchases. Annual limits apply to the high-earning categories.
Yes, it offers emergency medical, trip cancellation, trip interruption, and mobile device insurance, subject to eligibility and policy terms.
The standard annual fee is $120. For eligible new cardholders approved during the promotional period, the first year’s annual fee is waived.
