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Mr. Loonie
Desjardins Odyssey Visa Infinite Privilege

Desjardins Odyssey Visa Infinite Privilege

7.8
Good
Expert Score · 2 reviews How we score

Best for: High earners who want premium travel insurance, lounge visits and high rewards on dining

The balance you carry
Less interest than a typical card, each year
$273
About $357 a year here, instead of $630 at 20.99%

Ranked #113 of 176 for low interest. See the list

See how we worked it out
Purchase rate
11.9%
Annual fee
$395 a year
Apply now on Desjardins’ site (opens in a new tab)
Needs $150,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Desjardins’ site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? Interest Can I get it? Perks Fees Similar cards
2 quick questions

Is it for me?

Do you carry a balance from month to month?

Is your personal income $150,000 or more, or your household’s $200,000 or more?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 4% back on restaurants, entertainment and transit
  • Good: 11.9% on purchases The usual rate is 20.99%.

Watch for

  • Watch for: $395 a year You need about $850 a month on restaurants, entertainment and transit to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

BONUSDOLLARS valued at 100¢ each.

  • Groceries $288
    3% back $800 a month · $288 a year
  • Restaurants $120
    4% back $250 a month · $120 a year
  • Gas $45
    1.5% back $250 a month · $45 a year
  • Recurring bills $45
    1.5% back $250 a month · $45 a year
  • Travel $54
    3% back $150 a month · $54 a year
  • Everything else $117
    1.5% back $650 a month · $117 a year
  • Foreign currency $27
    1.5% back $150 a month · $27 a year
For you Year one Later years
Points you earn0 BONUSDOLLARS a year, at 100¢ each $696 $696
Annual fee −$395 −$395
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $561 $561

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
3% back
Restaurants
4% back Up to $25,000 in spending per year.
Entertainment
4% back
Transit
4% back Alternative transportation such as transit, taxis and bike share
Travel
3% back Up to $25,000 in spending per year.
Everything else (base rate)
1.5% back
  • 4% cash back on Public Transportation
  • 4% cash back on Entertainment purchases
How BONUSDOLLARS work, and why 100¢

We count BONUSDOLLARS at 100¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 90¢ to 100¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Show your work

What you’d pay in interest

On a balance of $3,000 that you carry for a year.

  • This card $357
    11.9% $3,000 carried all year
  • A typical card $630
    20.99% $3,000 carried all year

A late payment can end a promotional rate early. Simple yearly interest on a balance that stays the same. Banks charge interest monthly, so the real cost comes out a little higher.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $150,000 or more Issuer says
  • Household income $200,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip A balance transfer only helps if the balance shrinks. Set up an automatic payment so it goes down every month.

What critics say

Other reviewers on this card

7.8
Good
Expert Score How we score
  • Finder (opens in a new tab) Jan 2021

    “The Desjardins Odyssey Visa Infinite Privilege card is a credit card for people who travel frequently. It has a low annual fee and a low starting interest rate and comes with a variety of VIP benefits, including comprehensive travel insurance. Travellers who hold the Desjardins Odyssey Visa Infinite Privilege card can get up to $5,000,000 in emergency healthcare coverage and common carrier accident coverage of up to $1,000,000 in the event of accidental death. This means that travellers can have that extra peace of mind when they are travelling, knowing they are covered. You can also spend the 2% BONUSDOLLARS you earn on items in a variety of categories. This credit card could be a great option for people who have high incomes and who travel frequently.”

  • creditcardGenius (opens in a new tab) Sep 2020
    8.8

    “This flexible reward card comes with big rewards, perks, benefits, and insurance (plus, even more if you’re a Desjardins member), with a permanently low interest rate that will you help you save.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Lost baggage Included
  • Baggage delay Included
  • Mobile device $1,500 per device
  • Lounges: Dragonpass 6 free visits
  • Access to the Desjardins Odyssey Lounge at Montreal-Trudeau airport
  • Visa Infinite Privilege benefits
  • Get up to 25% off your Hertz car rental and up to 10% off at Thrifty and Dollar
  • Mobile Device Insurance
  • Trip Cancellation or Interruption Coverage
  • Baggage Insurance
  • Desjardins Identity Protection
  • Mobile wallets Apple Pay, Google Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Desjardins’ insurance certificate before you count on any coverage.

Not included

Not listed for this card: trip interruption and flight delay.

Fees and interest

What it costs

Annual fee
$395 a year
Purchase interest
11.9%
Cash advance interest
12.9%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$95
Cash advance fee
$0.00
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards

Purchase interest on each card. This card: 11.9%.

See all cards ranked by interest

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Desjardins Odyssey Visa Infinite Privilege?

$395 a year. Each extra card costs $95.

What income do I need?

Desjardins asks for $150,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

11.9% on purchases. Cash advances are 12.9%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and trip cancellation or interruption coverage. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$273
less interest a year
Apply now on Desjardins’ site (opens in a new tab)
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