Scotia Momentum Visa Infinite Card: main features and benefits
Premium rewards with cash back and insurance protections.
The Scotia Momentum Visa Infinite Card from Scotiabank stands out for its compelling cash back on daily spending and strong travel insurance.
This premium Visa card offers focused rewards for groceries, recurring payments, and transit, making it attractive to Canadian households with regular expenses.
It is issued by Scotiabank, a trusted name in Canadian banking, and provides digital convenience and security features alongside its rewards program.
Why choose Scotia Momentum Visa Infinite Card
The Scotia Momentum Visa Infinite Card attracts users with a blend of high-earning cash back categories and premium security benefits.
Eligible new applicants can receive 15% cash back on all purchases for the first three months, up to $2,000 spent, and pay no annual fee in the first year if approved during the promotional period.
Cardholders also access Visa Infinite privileges, including travel offers and lifestyle benefits.
This card is issued by Scotiabank, one of Canada’s largest and most established financial institutions, recognized for its nationwide support, digital tools, and comprehensive customer protection.
The card structure supports users who want to maximize rewards on recurring payments, groceries, transit, and fuel, fitting well for busy professionals, families, or anyone seeking value on essential spending.
Protection and security
The card includes a range of insurance protections.
These can cover emergency medical needs while travelling, trip cancellation and interruption, as well as mobile device theft or damage, all subject to eligibility and claim terms.
Some users benefit from up to $1 million in emergency medical coverage for trips under 15 days outside their home province if the main cardholder is under age 65.
Fraud monitoring and zero-liability protection help ensure unauthorized transactions are flagged and managed quickly.
Cardholders receive transaction notifications and digital security updates through the Scotiabank mobile app and online banking, which helps monitor activity in real time.
How the credit works
The annual fee is $120, though it is waived in the first year for eligible new cardholders approved during the promotional period.
Supplementary cards carry a $50 fee, also waived in the first year under promotion.
The minimum credit limit is $5,000, and rates are 20.99% for purchases and 22.99% for cash advances.
The card supports payment through popular methods like Apple Pay and Google Pay for secure, contactless use.
To apply, you generally need a personal income of $60,000 or more, or a household income of at least $100,000.
Income or asset minimums do not guarantee approval, and your final rate and limit depend on Scotiabank’s assessment.
The card’s fees and terms may change, so check current details before applying.
Daily use and digital features
The Scotia Momentum Visa Infinite Card is designed to reward everyday spending.
Earn 4% cash back on eligible groceries and recurring payments, 2% on eligible gas, transit, and food delivery, and 1% on all other eligible purchases.
The 4% and 2% rates each have a $25,000 annual spending limit; purchases above these limits earn 1%.
Cash back is accumulated monthly and can be redeemed annually as a statement credit or deposited to a Scotiabank chequing or savings account.
Partner benefits include fuel discounts at Shell and complimentary global mobile data through GigSky for eligible users.
The Scotiabank app supports card management, redemption, and security alerts for digital convenience.
For a complete, step-by-step guide to eligibility, required documents, and the application process, see the full tutorial.
