DesjardinsOdyssey Visa Infinite Privilege
Desjardins Odyssey Visa Infinite Privilege
Niche cardWhat the roles mean
- Travel insurance and low interest: 11.90% on purchases, $5 million travel medical, 4% on dining
Welcome offer now
No welcome bonus.
Checked on Desjardins's own page October 21, 2026. See Desjardins's page
What it earns in a year
$355 back a year
After the $395 annual fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Dining & restaurants: 4% back.
- Entertainment: 4% back.
- Transit: 4% back.
- Groceries: 3% back.
- Travel (First $25,000 a year, then 1.5%): 3% back.
- Everything else: 1.5% back.
Highlighted = use this card here.
How to apply for the Desjardins Odyssey Visa Infinite Privilege
Check first
- Over $400,000 in assets instead of income: assets under management count
- Check you qualify Income: $150,000 personal or $200,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Desjardins's own site Apply online from the bank's product page. This isn't an affiliate link: we earn nothing if you apply.Apply on Desjardins's site →
How to use it
- Restaurants, entertainment, transit: 4%, no cap
- Groceries: 3%, no cap
- Travel: 3% up to $25,000 a year, then 1.5%
- Everything else: 1.5%
- Pay for trips with this card if you want trip cancellation cover (medical works even if you don't)
- Check your days before a long trip: go over your age's day limit and the whole trip is uncovered, not just the extra days
- Example: $800/month groceries + $250 dining + $250 gas + $300 bills = $507 a year back; $212 after the $295 member fee, $112 at $395
Key facts
- Annual fee
- $395
- Purchase interest
- 11.9%
- Foreign currency fee
- 2.5%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- Desjardins BONUSDOLLARSSee every Desjardins BONUSDOLLARS card
Annual fee waiver
- Desjardins membership: fee drops from $395 to $295
- The catch: you join by opening a Desjardins account ($5 share, refunded when you close). Caisses are only in Quebec and Ontario
- Elsewhere: budget $395
From desjardins.com product page (EN), checked October 17, 2026. Not an affiliate link.
More Desjardins cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $533 a year after both fees, vs $355 with this card alone
- With this card's $395 fee rebated (see Fee waiver): $928 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, entertainment makes it $604 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 11.90% purchase interest, 12.90% on cash advances
- 4% on restaurants, entertainment and transit; 3% on groceries; 1.5% on everything else
- $5 million travel medical, up to 60 days; trip interruption with no limit
- Points can be taken as a statement credit at $1 each
- 12 free Desjardins lounge passes and 6 Visa Airport Companion visits a year
- Purchase cover for 180 days; warranty tripled, up to +2 years
Cons
- $395 a year ($295 for Desjardins members), not waived in year one
- Needs $150,000 personal or $200,000 household income (or $400,000 in assets)
- No welcome bonus
- Points can't be transferred to airlines or hotels
- Travel medical shrinks with age (31 days at 60-64, 15 days at 65-75) and ends at 76
- 2.5% on foreign-currency purchases
- Since October 19, 2026: new Desjardins card contract; the published fees, rates and 2.5% foreign-currency fee did not change
Insurance included
- Travel medical: $5 million; 60 days up to 59, 31 days at 60-64, 15 days at 65-75, none from 76. Call before treatment or pay 30%
- Trip cancellation: $2,500 per person, trip paid with the card
- Trip interruption: no limit
- Lost or damaged bags: $2,500 per person ($500 per item)
- Delayed bags: $1,000 per person, after 4 hours
- Rental car damage: up to 48 days, cars up to $85,000
- Phone: $1,500 for loss, theft or damage
- Purchases: 180 days of theft/damage cover; warranty tripled, up to +2 years
- Grandchildren under 18 travelling with you are covered
Maximums as Desjardins lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Desjardins Odyssey Lounge (Montréal-Trudeau): 12 free passes a year
- Visa Airport Companion: 6 free lounge visits a year, then US$32 each
- Visa Infinite Privilege: 24/7 concierge, luxury hotel collection
- Car rental: Hertz up to 25% off, Thrifty/Dollar up to 10% off
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
Other cards for entertainment
Back a year on $600 of entertainment, caps included. Points at best-case value. Before annual fees.
| Card | Earns on entertainment | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 3× points≈ 6.0% in value | $36 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $30 | $120 | November 2, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $24 | $395 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $24 | $499 | October 21, 2026 |
| Rogers Red World Elite | 2% back≈ 3.0% in value | $18 | $0 | October 21, 2026 |
| RBC ION+ Visa | 3× points | $18 | $48 | October 21, 2026 |
How the offer has changed
One row per check of Desjardins's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | None advertisedUnchanged on the page. The contract-change notice is gone; the cardholder agreement outside Quebec is now dated effective October 19, 2026 (FX still 2.50%, penalty rate 19.90%, minimum payment 5%) | $295 members / $395 non-members, not rebated yr 1 (+ $95 additional card) | n/a |
| October 17, 2026 | None advertisedUnchanged. Page notice: credit card contract changes effective October 19, 2026 (system modernization; details only in individual cardholder notices). Page states 6 complimentary Visa Airport Companion visits per year | $295 members / $395 non-members, not rebated yr 1 (+ $95 additional card) | n/a |
General information, not financial advice. Offers change; confirm on Desjardins's page before you apply.