Desjardins Odyssey® Visa Infinite Privilege* Card  🇨🇦

Desjardins Odyssey® Visa Infinite Privilege* Card  🇨🇦
Welcome Bonus
No Welcome Offer
Annual Fee
$395
  • Premium Insurance
  • Access to VIP Lounges
Interest rates
Purchase Rates
11.9 %
Cash Advance Rates
12.9 %
Balance Transfer Rates

Desjardins Odyssee Infinite Privilege En
Desjardins Odyssey® Visa Infinite Privilege* Card
No Welcome Offer
Apply Now

Offer

  • 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, and Public Transit categories
  • 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year – beyond that, the earning rate drops to 1.75%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.75% in BONIDOLLARS on your other purchases

Fees & Conditions

Personal Income $150,000
Household Income $200,000
Annual Fee $395
First Additional Card $95
Foreign Transaction Fee 2.5%
Purchase Rates 11.9%
Cash Advance Rates 12.9%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

VIP Lounges
Concierge

Earnings

Per dollar of purchases

All Spending 1.75 Point
Groceries 3 Point
Gas 1.75 Point
Dining and Food delivery 4 Point
Convenience Stores 1.75 Point
Drugstores 1.75 Point
Local Transport 1.75 Point
Travel 3 Point
Entertainment 4 Point
Recurring Payments 1.75 Point
Telecom/Internet 1.75 Point
Streaming services 1.75 Point
Online transactions 1.75 Point
Office Supplies 1.75 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
2 year(s)
Purchase Protection
180 day(s)
Mobile Device Insurance
$1,500
1 year
Price Protection

Our review

The Desjardins Odyssey Visa Infinite Privilege Card is a BONUSDOLLARS credit card.

With this card you can get:

  • 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, and Public Transit categories
  • 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year – beyond that, the earning rate drops to 1.75%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.75% in BONIDOLLARS on your other purchases

In addition, this card offers several insurances for your purchases:

  • 180-day purchase insurance
  • Two year extended warranty
  • Mobile Device Insurance

As well as comprehensive travel insurance.

Alternative Cards

  • 5X points on groceries, gas, pharmacy, dining and transit
  • $200 Annual Credit
  • Access to VIP Lounges
Learn More
  • Welcome offer: Get up to 120,000 points*
  • Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $200 annual lifestyle credit to spend however you want*
  • Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
  • Earn 25% more points when you add an authorized user to your account*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
  • Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
  • Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $499
  • Additional card $99
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,222
  • Year 2+ $421
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Air Canada Benefits
  • NEXUS Credit
  • Access to VIP Lounges
Learn More

Earn up to $2,900 in value, including up to 85,000 Aeroplan points (enough for a round trip to Honolulu) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening

Additional Travel Benefits

  • Enroll for NEXUS and once every 48 months get an application fee rebate
  • Share first free checked bags with up to 8 travel companions and get unlimited access to Maple Leaf Lounges including complimentary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.

 

  • Earn 2 points for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points for every $1 spent on eligible gas, grocery, travel and dining purchases
  • Earn 1.25 points for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance.
  • Get access to Priority Airport Services like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades.
  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges).
  • Complimentary Visa Infinite Concierge: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Global Airport Lounge Access: Receive a complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $599
  • Additional card $199
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Air Canada2Aeroplan Points
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
Value
  • Year 1 $2,001
  • Year 2+ $301
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
4 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Up to 5 points per dollar at grocery stores and restaurants
  • Up To $150 Annual Credit
  • Premium insurance
Learn More
Best Travel Credit Card In 2024
  • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
  • Earn 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte (TM) travel purchases*
  • Earn 1 point per 1 dollar in other purchases
  • Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
  • Your credit card gives you access to a multitude of rewards. Our customers choose from several options to treat themselves with the points they have accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more
    • Make a payment on your credit card with your points
    • Contribute to your RRSP and TFSA
    • Make a donation to one of the participating charities
    • Plan a trip when you can travel again
    • And more!
  • Free and unlimited access along with one (1) guest to the National Bank Lounge at Montréal-Trudeau airport.
  • Enjoy up to 60 days’ coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
Legal

*Grocery and Restaurant: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases The accumulation of 5 points per dollar of purchase is valid until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub.

Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points.

Recurring Bill: Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchaseFor example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions.

For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1st and December 31 of each year is $150.

Eligible expenses include:

      • airport parking fees
      • baggage fees
      • seat selection fees
      • access to airport lounges worldwide
      • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $923
  • Year 2+ $923
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
4 Milesopedia Rating