Scotia Momentum Visa Infinite: how to request?
Get rewarded with cashback every time you spend — it’s that simple!
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Credit cards are commonly used in Canada for everyday purchases, online payments, and recurring expenses. They help organize spending and allow payments to be made in different situations, both in physical stores and online.
Many people also use credit cards to build a credit history over time. Payment behaviour, such as paying on time and keeping balances manageable, can affect future applications for housing, utilities, or other financial services with Canadian credit bureaus.
Because of this, having a clear understanding of how a credit card works is important before applying.
Some credit cards focus on rewards, such as cash back on purchases. Others include insurance coverage or additional services linked to travel or lifestyle programs. Each credit card comes with its own fees, interest rates, limits, and strict eligibility conditions that should be reviewed carefully.
The Scotia Momentum Visa Infinite is a premium cash back credit card offered by Scotiabank. In this article, you’ll find information about who the card is designed for, its main features, applicable fees, how the application process works, and the income requirements to consider before requesting it.
Rates and fees were updated based on the issuer’s official website as of March 5, 2026.
Who is the Scotia Momentum Visa Infinite credit card for?
The Scotia Momentum Visa Infinite card is intended for Canadian residents who want to earn premium cash back on everyday spending. It perfectly suits individuals or households that frequently use a credit card for regular expenses such as groceries, gas, transit, recurring bills, and digital subscriptions.
This card heavily appeals to those who prefer straightforward cash back rather than points-based travel rewards. Cash back programs are often easier to understand, as rewards are calculated directly as a percentage of eligible spending rather than through conversion charts.
Because it is a premium tier card, Scotiabank strictly requires a minimum personal income of $60,000 CAD or a household income of $100,000 CAD to qualify. The bank also sets a minimum approved credit limit of $5,000 CAD for this card. Due to these requirements, the card is appropriate for applicants with a steady, verifiable income and a strong credit history.
As with any financial product, approval is subject to Scotiabank’s strict credit review and internal risk criteria.
Benefits of the Scotia Momentum Visa Infinite credit card
The Scotia Momentum Visa Infinite card offers benefits that focus mainly on high-yield cash back and premium card-related services:
Cash Back Rewards
Cardholders earn accelerated cash back on eligible purchases. You earn 4% cash back on eligible grocery store purchases and recurring bill payments or subscriptions.
You also earn 2% cash back on eligible gas purchases and daily transit expenses (including rideshare and taxis). All other qualifying everyday purchases earn a base rate of 1% cash back. This powerful structure is highly useful for households whose regular spending matches these categories.
Comprehensive Insurance
The card includes robust insurance coverage related to travel and purchases when the card is used to pay for the trip or item. This includes comprehensive mobile device insurance, trip cancellation/interruption insurance, and rental car collision coverage.
Coverage details, limits, and exclusions apply, and conditions may vary depending on the type of insurance. Reviewing the insurance certificates provided by the issuer helps clarify exactly when coverage is active.
Exclusive Privileges
As a Visa Infinite card, it provides access to premium Visa Infinite privileges. These include complimentary 24/7 concierge services to help with booking tickets or reservations, depending on current program terms and availability.
Visa Infinite Benefits
Visa Infinite benefits also include access to the Visa Infinite Luxury Hotel Collection and exclusive dining events offered through Visa partners across Canada. These lifestyle benefits are separate from the cash back program and add extra value to the card.
Scotia Momentum Visa Infinite: Fees and charges
The Scotia Momentum Visa Infinite card includes fees and interest charges that must be reviewed before applying.
According to information published by the issuer, the annual fee for the primary card is $120 CAD. In some cases, promotional offers may waive the annual fee for the first year, subject to conditions set by Scotiabank. Supplementary cards cost $50 CAD per year.
The standard interest rate for purchases is 20.99% annually. The interest rate for cash advances is 22.99% annually. Interest applies when balances are carried past the 21-day grace period. Cash advances begin accruing interest immediately from the transaction date and do not include an interest-free period.
Other charges apply depending on how the card is used. A foreign currency conversion fee of 2.5% generally applies when transactions are made in currencies other than Canadian dollars.
Additional fees listed by the issuer include a $5 CAD cash advance fee (at domestic Scotiabank ATMs). An overlimit fee of $29 CAD applies if spending exceeds the approved credit limit during the statement period. A dishonoured payment or non-sufficient funds fee of $48 CAD also applies if a payment bounces.
- Annual fee: $120 CAD (often waived for the first year);
- Purchase interest rate: 20.99% annually;
- Cash advance interest rate: 22.99% annually;
- Foreign currency conversion fee: 2.5%;
- Cash advance fee: $5 CAD (domestic);
- Overlimit fee: $29 CAD;
*Rates and fees were updated based on the issuer’s official website as of March 5, 2026.*
How to apply?
To apply for the Scotia Momentum Visa Infinite card, you must visit the official Scotiabank website and access the card’s secure application page. Reviewing the full card details and ensuring you meet the $60,000 personal or $100,000 household income requirement can help prevent application rejections.
During the application process, you will be asked to provide personal and financial information, such as your Canadian residential address, income, employment details, and Social Insurance Number (optional, but recommended for an accurate credit check).
After submitting the application, Scotiabank performs a hard inquiry on your credit file. If approved, the card is issued and sent securely by mail within 7 to 10 business days. Final credit limits are determined solely by Scotiabank.
Opinion about the Scotia Momentum Visa Infinite credit card
The Scotia Momentum Visa Infinite perfectly suits people who are looking for a powerful cash back credit card and who regularly spend heavily in categories such as groceries, recurring bills, gas, and transit. When your household spending aligns with these categories, the 4% and 2% cash back structure can easily offset the annual fee and put hundreds of dollars back in your pocket.
However, the $120 annual fee and the strict minimum income requirement mean this card is not accessible to every applicant. Furthermore, the 20.99% interest charges will quickly erase any cash back earned if balances are not paid in full every month.
Before applying, reviewing your spending habits and ensuring you have an excellent credit score is an important step. If you qualify and pay your statement on time, this is undeniably one of the best cash back cards in Canada.
Click the button below to be redirected to the official Scotiabank website to apply for the Scotia Momentum Visa Infinite credit card securely.
*You will be redirected to the official Scotiabank website*
Legal Disclaimer: This website is independent and purely informational. We do not guarantee credit approval or card issuance, which are subject solely to the strict risk analysis of The Bank of Nova Scotia (Scotiabank). Finvyu Editorial Team.
