Scotiabank credit cards at the Visa Infinite tier require $60,000 personal income or $100,000 household income. No-fee and entry-level cards have no income requirement.
Scotiabank Credit Card Income Requirements
| Card | Annual Fee | Personal Income | Household Income |
|---|---|---|---|
| Scotiabank Passport Visa Infinite Business | $199 | $60,000 | $100,000 |
| Scotiabank Platinum American Express | $399 | $12,000 | $12,000 |
| Scotiabank Passport Visa Infinite | $150 | $60,000 | $100,000 |
| Scotiabank Gold American Express | $120 | $12,000 | $12,000 |
| Scotiabank Momentum Visa Infinite | $120 | $60,000 | $100,000 |
| Scotiabank Scene+ Visa Infinite | $139 | $60,000 | $100,000 |
| Scotiabank Momentum Visa Platinum | $99 | None | None |
| Scotiabank Scene+ Visa | $0 | None | None |
| Scotiabank Momentum No-Fee Visa | $0 | None | None |
| Scotiabank Value Visa | $29 | None | None |
| Scotiabank Student Visa | $0 | None | None |
| Scotiabank Learn Visa | $0 | None | None |
Note: Amex-network Scotiabank cards (Gold Amex, Platinum Amex) have lower income thresholds than Visa cards at the same fee level — as low as $12,000 personal.
Key Observation: Amex Cards Have Lower Income Bars
The Scotiabank Gold American Express ($120/year) is one of the best-value rewards cards in Canada, and it only requires $12,000 in personal income — far lower than comparable Visa Infinite cards. This makes it accessible to a much broader range of Canadians, including part-time workers and younger cardholders.
Options If You Don’t Meet the Income Threshold
| Situation | Recommended Card |
|---|---|
| Want Scene+ points, don’t meet $60K | Scotiabank Scene+ Visa ($0 fee) |
| Want rewards + no FX fee without $60K | Scotiabank Gold American Express ($120; $12K income req.) |
| Want cash back, don’t meet $60K | Scotiabank Momentum No-Fee Visa ($0) |
| Want low-rate card | Scotiabank Value Visa ($29; no income req.) |
Related Articles
- How to Apply for a Scotiabank Credit Card
- All Scotiabank Credit Cards
- Scotiabank Scene+ Cards Compared
Income thresholds current as of June 2026. Verify at scotiabank.com before applying. See our Advertiser Disclosure.