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Scotia Passport Visa Infinite vs RBC Avion Visa Infinite

Passport wins on FX; Avion wins on transfer partners.

Updated June 5, 2026 · 4 min read · By Loyalty Concierge Editorial

SCOTIA · VISA

Scotiabank Passport Visa Infinite

Annual fee $150 · FX 0%

Best for: No-FX travellers, Lounge on a budget

RBC · VISA

RBC Avion Visa Infinite

Annual fee $120 · FX 2.5%

Best for: Avion transfer partners, Any-airline travel

FeatureScotiabank Passport Visa InfiniteRBC Avion Visa Infinite
Annual fee$150.00$120.00
Welcome bonusUp to 35,000 Scene+ points.Up to 55,000 Avion points.
Earn rates3x Scene+ on Grocery (Sobeys-family stores); 2x Scene+ on Dining, entertainment, transit, other grocery; 1x Scene+ on Everything else1.25x Avion on Travel; 1x Avion on Everything else
InsuranceTravel emergency medical, Trip cancellation, Rental carTravel emergency medical, Trip cancellation, Rental car
Lounge access6 Priority Pass visits/year—
FX fees0%2.5%
Network / acceptanceVISAVISA
Transfer partners—British Airways Avios, Cathay Asia Miles, WestJet Rewards
Best forTravellers who spend abroad oftenTravellers who use partner airline sweet spots

Verdict

Passport for cross-border spending, Avion for advanced point strategies.

Scotiabank Passport Visa Infinite

Pros

  • +No FX fees
  • +Visa acceptance
  • +6 free lounge visits

Cons

  • −Weaker earn than Amex Cobalt or Gold

RBC Avion Visa Infinite

Pros

  • +Book any-seat flight rewards
  • +Transfer partners

Cons

  • −Weak everyday earn

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