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Desjardins Odyssey Visa Infinite Privilege
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Desjardins Odyssey Visa Infinite Privilege

4.2
  • 4x restaurants
  • 4x entertainment
  • 4x alternative transportation
Annual fee
$295

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

Interest rates

Purchases

11.9%

Cash advances

12.9%

Foreign transactions
2.5%

Rated 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.

Compare Desjardins Odyssey Visa Infinite Privilege with…

vs American Express Cobalt Cardvs Scotiabank® Gold American Express® Card
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Desjardins can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Desjardins's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Desjardins's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Desjardins. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

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Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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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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