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Desjardins and National Bank each offer a World Elite Mastercard credit card with travel rewards:
Insurance is often what separates these two cards. We broke it down in our guide to the National Bank World Elite® Mastercard® coverage.
At first glance, they may seem to be identical, especially because of their name! But which one is the most advantageous?
Let’s look at each of their features in detail, to distinguish these two credit cards.
Through Milesopedia, you can have the first-year annual fee refunded (a $150 value) with this exclusive welcome offer for the National Bank World Elite Mastercard. This promotion applies from June 30 to November 4, 2026, to new primary cardholders, provided they have not held a personal National Bank Mastercard in the last 24 months.
Desjardins never offers a welcome bonus.
Each calendar year, the holder of a National Bank World Elite Mastercard has a total of $150 available on certain travel-related expenses:
Unlike the National Bank card, Desjardins does not offer annual credits for travel expenses.
The National Bank card gives you unlimited free access to lounge National Bank.
The cardholder, 1 guest and up to 2 children (under 12) are admitted to lounge on presentation of the card. National Bank World Elite Mastercard.
This card gives you 8 free visits a year to the Odyssée Desjardins lounge.
Each person entering the Salon Odyssée Desjardins with the card is entitled to one entry, including children over 3.
Then, after the 9th visit, a 50% discount is granted. Before taxes, regular admission is $42 for adults and $26 for children.
With the National Bank World Elite Mastercard, you can earn up to 5 points per dollar:
For the Grocery and Restaurant category, you can earn 5 points per dollar up to $2,500 in total monthly card purchases.
Accrual rates for the BONUSDOLLARS Odyssey World Elite Mastercard program are as follows:
* Between January 1st and December 31st of each year, cumulative annual spending in the “Grocery” category leads to the following accumulation:
Next, annual cumulative spending in the “Restaurant” category earns the following:
Both cards are known to have excellent insurance of all kinds.
The National Bank World Elite Mastercard is one of the only credit cards in Canada to cover you even if you only pay a portion of the cost of your trip.
This travel coverage only protects the policyholder, his/her spouse and their dependent children.
The National Bank World Elite Mastercard offers coverage of up to $5,000,000 per person, as follows:
For the luggage portion, the amount is a maximum of $ 1,000 per person.
Coverage will be provided if at least a portion of the cost of the trip has been charged to the account.
In addition, a travel assistance service is available for help if there is a problem:
Theft and breakage coverage is valid for 180 days from the date of purchase. In addition, an extended warranty triples the length of the original manufacturer’s warranty for up to 3 years, under certain conditions.
Up to $1,000 in compensation for a smartphone or tablet’s loss, theft, accidental damage or mechanical failure.
For full details, please refer to the National Bank World Elite Mastercard® Certificate of Insurance.
All these coverages are valid for the Desjardins Odyssey World Elite Mastercard credit cardholder, his/her spouse and dependent children. Even grandchildren benefit from the intergenerational coverage at no cost, when they travel with the holder.
Emergency Health Care coverage is up to $ 5,000,000 per person. The duration of these protections depends on the age of the traveller:
For baggage, the maximum amount is $1,000 per person.
Coverage for loss or damage is valid for 120 days from the date of purchase. In addition, an extended warranty doubles the duration of the original manufacturer’s warranty for up to 2 years, under certain conditions.
Up to $1,500 in compensation for loss, theft, accidental damage or mechanical failure of a smartphone or tablet.
For full details, please refer to the Desjardins Odyssey World Elite Mastercard Certificate of Insurance.
The National Bank World Elite Mastercard requires:
You must have one of the following criteria to get a Desjardins Odyssey World Elite Mastercard:
So? Which Card is the winner?
First of all, it’s worth noting that both are excellent credit cards to use at Costco!
But in general, the National Bank World Elite Mastercard has a head start in :
Conversely, the Desjardins Odyssey World Elite Mastercard has :
If you’ve ever had one of these two cards, what are your comments? Come and point them out in the Milesopedia Facebook group.
To see other cards, check out our ranking of the best travel credit card offers in Canada.
Here are frequently asked questions in the milesopedia community about this card.
Savings are this way:
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