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Desjardins® Odyssey® Visa® Infinite Privilege review

4.2Rated by the CreditCardGuru Editorial Team

Desjardins's flagship card pairs elite-tier earn rates and 60-day travel coverage with a rare sub-12% interest rate, though the rewards currency and lounge network skew heavily toward Quebec residents.

At a glance

Annual fee
$295
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
11.9%

Rewards & earn rates

Restaurants4x
Entertainment4x
Alternative transportation4x
Groceries3x
Travel3% in BONUSDOLLARS on the first $25,000 in annual travel purchases, then 1.5%3x
All other purchases1.5x

Pros & cons

Pros

  • 4% back on dining, entertainment and transit with a strong 1.5% base
  • 60-day travel insurance plus 18 combined lounge visits per year
  • Premium card with an exceptionally low 11.9% interest rate

Cons

  • Steep $150,000 personal income requirement
  • BONUSDOLLARS lack the flexibility of transferable points
  • $395 fee if you're not a Desjardins member

Perks & insurance

Key perks

  • Low 11.9% purchase interest rate, unusual for a premium card
  • 12 free Desjardins Odyssey Lounge passes per year at Montreal-Trudeau airport
  • Visa Airport Companion membership with 6 complimentary lounge visits per year
  • 24/7 Visa Infinite Privilege Concierge and Luxury Hotel Collection benefits
  • Comprehensive travel insurance for trips up to 60 consecutive days
  • Car rental discounts at Hertz (up to 25%), Thrifty and Dollar

Insurance

  • Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
  • Trip cancellation ($2,500 before departure, unlimited after departure)
  • Baggage insurance up to $2,500 per person ($1,000 if delayed 4+ hours)
  • Auto rental collision/loss damage (up to 48 days)
  • Mobile device insurance up to $1,500
  • Purchase protection (180 days) and extended warranty (triples, up to +2 years)

Rates & fees

Annual fee
$295
Purchase interest
11.9%
Cash advance
12.9%
Foreign transactions
2.5%
Min. personal income
$150,000

$295 for Desjardins members; $395 for non-members.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

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CreditCardGuru Editorial Team

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Cite this page

“Desjardins® Odyssey® Visa® Infinite Privilege Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/desjardins-odyssey-visa-infinite-privilege, updated June 7, 2026.

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