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
9.9 %
Cash Advance Rates
9.9 %
Balance Transfer Rates

Offer

  • 4% in BONUSDOLLARS rewards on restaurant purchases
  • 4% in BONUSDOLLARS rewards on entertainment purchases
  • 4% in BONUSDOLLARS rewards on public transportation purchases
  • 3% in BONUSDOLLARS rewards on groceries
  • 3% in BONUSDOLLARS rewards on travel purchases
  • 1.75% in BONUSDOLLARS rewards on other purchases

Fees & Conditions

Personal Income $200,000
Household Income $200,000
Annual Fee $395
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 9.9%
Cash Advance Rates 9.9%

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 $400
Concierge

Earnings

Per dollar of purchases

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

Insurance

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
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
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

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

Alternative Cards

  • 5X points on groceries, gas, pharmacy, dining and transit
  • $200 Annual Credit
  • Access to VIP Lounges
  • Welcome offer: Get up to 90,000 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 $1,022
  • Year 2+ $421
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit $200
  • VIP Lounges $200
  • 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

Earn up to $2,800 in value including up to 105,000 Aeroplan points and additional travel benefits. Must apply online by January 3, 2023.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card
  • Earn an additional 30,000 Aeroplan points when you spend $3,000 within 90 days of account opening
  • Plus, earn an additional 55,000 Aeroplan points when you spend $12,000 within 12 months of account opening
  • Enroll for NEXUS and once every 48 months get an application fee rebate, share free first checked bags, and get access to Maple Leaf Lounges
  • 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.
  • 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 %
  • Cash Advance Rates 20.99 %
  • Balance Transfer Rates 20.99 %
Earning Rate
  • Air Canada2Aeroplan Points
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
Value
  • Year 1 $2,401
  • 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
22 day(s)
Travel medical insurance up to 64 years old
$5,000,000
22 day(s)
Travel medical insurance 65+
$5,000,000
4 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
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
  • No Foreign Transaction Fee
  • $100 Annual Credit
  • Accepted at Costco
  • Special offer: Earn up to 110,000 ($550 travel value)* PLUS receive a $100 annual travel enhancement credit*. Must apply by October 31, 2022. Conditions apply.
    • Welcome bonus of 20,000 points* ($100 travel value)
    • Earn 70,000 points* when you keep your account open and active for 6 months ($350 travel value)
    • Earn 20,000 points* as an anniversary bonus ($100 travel value)
    • Receive a $100 annual travel enhancement credit*
  • Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1)
  • Earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
  • No foreign transaction fees. Only the exchange rate will apply.
  • 31-day Worldwide Emergency Travel Medical insurance
  • Primary Cardholder Annual Fee: $149
  • Annual Interest on Purchases: 19.9%
  • Annual Interest on Cash Advances and Balance Transfers: 22.9%
  • Authorized User Annual Fee: $50 Per Card
Legal

*Terms and Conditions apply ®/TM Mastercard and World Elite are registered trademarks and the circle concept is a trademark of Mastercard International Incorporated. Used pursuant to license.

Annual Fee
  • Primary card $149
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 19.9 %
  • Cash Advance Rates 22.9 %
  • Balance Transfer Rates 22.9 %
Earning Rate
  • Travel6Points
  • Air Canada6Points
  • All Spending3Points
Value
  • Year 1 $1,073
  • Year 2+ $413
Best For
Transfer Partners
  • HSBC World Elite Rewards Program

Advantages

  • Annual Credit $100
  • VIP Lounges $100
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
31 day(s)
Travel medical insurance up to 64 years old
$1,000,000
31 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$750,000
Flight Delay Insurance
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
31 day(s)
Hotel/Motel Burglary Insurance
  • 5 points per dollar at grocery stores and restaurants
  • Up to $150 Annual Credit
  • Premium Insurance
  • Exclusive Offer: Earn 35,000 points after $3,000 in Card purchases
  • First-year annual fee waiver for the main cardholder and for the first authorized user added to the account
  • 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

Promotion valid from February 14, 2022 to September 30, 2022 for the National Bank Platinum and World EliteTM MastercardTM credit cards. To take advantage of this promotion, you must join one of National Bank’s eligible credit cards by September 30, 2022. This promotion is only valid through our partner Les services milesopedia Inc. As a result, you can only apply by clicking on the link in one of the promotional emails sent by this partner, on one of the promotional banners on their website, or on one of their webpages.

Savings on annual fees for the first year:

The annual fees for the card will be refunded for the first year for the main cardholder and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, they must be added on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.

The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.

Bonus rewards points:

The 35,000 rewards points given under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening:

Platinum and or World EliteTMMastercardTMcredit cards: get 35,000 rewards points if $3,000 in net purchases are charged to the credit card account within the first three months following account opening.

The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied.

The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened October 15,2021 the account holder will have until January 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points. For example, if the account is opened June 15, 2022, the account holder will have until September 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller’s cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.

Eligibility and terms and conditions

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. There is a limit of 35,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. It cannot be combined with any other National Bank credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled, without prior notice, at any time.

*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.

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 %
Milesopedia Links
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,538
  • Year 2+ $923
Best For
Transfer Partners
  • BNC 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