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Desjardins® Odyssey® World Elite Mastercard® review

Name: Desjardins Odyssey World Elite Mastercard
Brand: Desjardins

4.0Rated by the CreditCardGuru Editorial Team

A compelling mid-premium travel card whose 60-day medical coverage and 3% grocery/dining earn make the $130 fee easy to justify for frequent travellers.

At a glance

Annual fee: $130
Foreign tx fee: 2.5%
Network: MASTERCARD
Rewards: points
Purchase APR: 20.9%

Rewards & earn rates

Groceries3% in BONUSDOLLARS on the first $10,000 in annual grocery purchases, then 1%	3x
Restaurants3% on the first $6,000 in annual restaurant purchases, then 1%	3x
Entertainment	2x
Alternative transportation	2x
Travel2% on the first $20,000 in annual travel purchases, then 1%	2x
All other purchases	1x

Pros & cons

Pros

Standout 60-day comprehensive travel insurance
3% back on groceries and restaurants plus a solid 1% base rate
8 free Montreal-Trudeau lounge passes a year

Cons

BONUSDOLLARS locked to the Desjardins ecosystem
$80,000 personal income requirement
Lounge passes only useful for Montreal-based travellers

Perks & insurance

Key perks

Comprehensive travel insurance for trips up to 60 consecutive days
8 free Desjardins Odyssey Lounge passes per year at Montreal-Trudeau airport
Mastercard Travel Pass (DragonPass) lounge access at 1,300+ lounges (US$32 per visit)
Complimentary Flexiroam 3x1GB global eSIM data plan
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 $1,000 per person
Auto rental collision/loss damage (up to 48 days)
Mobile device insurance up to $1,500
Purchase protection (120 days) and extended warranty (+2 years)

Rates & fees

Annual fee: $130
Purchase interest: 20.9%
Cash advance: 21.9%
Foreign transactions: 2.5%
Min. personal income: $80,000

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

CreditCardGuru Editorial Team

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Cite this page

“Desjardins® Odyssey® World Elite Mastercard® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/desjardins-odyssey-world-elite-mastercard, updated June 7, 2026.