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Desjardins Odyssey World Elite Mastercard
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Desjardins Odyssey World Elite Mastercard

4.0
  • 3x groceries — 3% in BONUSDOLLARS on the first $10,000 in annual grocery purchases, then 1%
  • 3x restaurants — 3% on the first $6,000 in annual restaurant purchases, then 1%
  • 2x entertainment
Annual fee
$130
Interest rates

Purchases

20.9%

Cash advances

21.9%

Foreign transactions
2.5%

Rated 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
Entertainment2x
Alternative transportation2x
Travel2% on the first $20,000 in annual travel purchases, then 1%2x
All other purchases1x

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

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