BMO eclipse Visa Infinite Privilege* Card

BMO eclipse Visa Infinite Privilege* Card

BMO's premium credit card. Earn up to 5x the points and receive 6 lounge pass visits per year.

Take advantage of this limited-time welcome offer!

Welcome Bonus

Up to 50,000 points



Best For

Annual Fee


Purchase Rates

20.99 %

Cash Advance Rates

23.99 %

Balance Transfer Rates


  • Welcome offer: Get up to 50,000 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 Priority PassTM membership and 6 lounge pass visits for primary cardholders and 6 lounge pass vists for every authorized user on the account per year*
  • 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*

Fees & Conditions

Personal Income $150,000
Household Income $200,000
Annual Fee $499
First Additional Card $99
Other Additional Card $99
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 23.99%
Cash Advance Rate (QC) 21.99%


Welcome Bonus Up to 50,000 points
Minimum Spending Required $3,000
Minimum Spending Timeframe 90 day(s)
Rewards Type Travel points
Transfer Partners BMO Rewards
Loyalty Program BMO Rewards
All Spending 1
Travel 5
Local Transport 1
Dining and Food delivery 5
Groceries 5
Convenience Stores 1
Gas 5
Drugstores 5
Office Supplies 1
Telecom/Internet 1
Entertainment 1
Online transactions 1
AIR MILES partners 1
Air Canada 5
Streaming services 1
Recurring Payments 1
Travel Credits
Lounge Annual Visits included 6


We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)


Calculation of the offer value
in the first year
Value per point 0.67 ¢
Welcome bonus approximately $235
Annual credit $200
Annual access to airport lounges
(approximately $35 per access)
Annual fee – $499
Value approximately $146



Common Carrier Travel Accident Insurance Amount $500,000
Flight Delay Insurance Amount $1,000
Delayed Baggage Amount $1,000
Lost/Stolen Baggage Insurance Amount $2,500
Trip Cancellation Insurance Amount Per Person $2,500
Trip Interruption Insurance Amount Per Person $2,000
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration 21 day(s)
Auto Rental Loss/Insurance - Amount MSPP $65,000
Hotel/Motel Burglary Insurance - Amount $2,500
Purchase Protection - Amount $60,000
Purchase Protection - Duration 90 day(s)
Travel Medical Insurance
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More
3.8 Milesopedia Rating