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Desjardins Odyssey Visa Infinite Privilege Card Review

⭐ 2.8/5🏦 DesjardinsTravel Rewards Card

Desjardins Odyssey Visa Infinite Privilege Card

CREDIT CARD REVIEW

🎁 No welcome bonus currently found — confirm with Desjardins

MoneyMint Rating: 2.8/5 — based on our published rating criteria (rewards value, fees, flexibility, and eligibility transparency). Not sponsored by Desjardins.

The Desjardins Odyssey Visa Infinite Privilege Card earns BonusDollars at up to 4% on dining, entertainment, and transportation, 3% on groceries, and up to 3% on travel (capped at $25,000/year). It carries a $395 annual fee ($295 is advertised for Desjardins members, though the legal cardholder agreement states a flat $395 — a conflict worth confirming before applying), plus a $150,000 personal or $200,000 household income requirement. Its airport lounge perk is limited to a single Montreal airport, which is worth knowing for a card marketed at the “Privilege” tier.

At a Glance

Annual fee

$395/yrmarketing page advertises $295 for members — conflicts with the cardholder agreement

Purchase APR

11.90%notably lower than most premium travel cards

Cash advance APR

12.90%no distinct balance transfer rate

Rewards rate

Up to 4%BonusDollars, varies by category

Foreign transaction fee

2.5%from the official cardholder agreement

Rewards currency

BonusDollars1 BONUSDOLLAR = $1 CAD

Income requirement

$150K / $200Kpersonal / household, or $400K+ AUM

Issuer

Desjardinsminimum credit score not published

Pros & Cons

Pros

  • 4% cash back on dining, entertainment, and alternative transportation
  • 3% on groceries, uncapped
  • Notably low 11.90% purchase APR for a premium travel card
  • 12 free airport lounge visits per year at Montreal-Trudeau (YUL)
  • Extensive travel insurance suite, including $5M emergency medical coverage

Cons

  • $395 annual fee (or $295 for Desjardins members, per the marketing page — confirm which applies)
  • Lounge access limited to a single airport (YUL), not a global network
  • Travel category rewards capped at $25,000/year in spend, then drop to 1.5%
  • No welcome bonus currently found — unusual for a premium card at this fee tier
  • Very high $150,000/$200,000 income requirement

Rewards & Earn Rates

🍽️ Dining, entertainment, transportation4% BonusDollarsno stated annual cap
🛒 Groceries3% BonusDollarsno stated annual cap
✈️ TravelUp to 3% BonusDollarscapped at $25,000/year in travel spend, then drops to 1.5%
💳 All other purchases1.5% BonusDollarsincludes pre-authorized payments
Note: Desjardins’ own marketing page advertises $295/year for “Desjardins members,” but both the Quebec and outside-Quebec cardholder agreements state a flat $395 with no mention of a member discount. This is likely a caisse-membership discount applied at billing, but Desjardins doesn’t explicitly confirm the mechanism anywhere we could find — verify which fee applies to you before applying. We also found no welcome bonus advertised as of our research date, which is worth double-checking on the live page since offers change without notice.

Perks & Benefits

Travel Perks

  • 12 free Desjardins Odyssey Lounge visits per year at Montreal-Trudeau (YUL), then 50% off
  • Visa Infinite Privilege Concierge, 24/7
  • Visa Airport Companion and hotel collection access
  • Up to 25% off Hertz, 10% off Thrifty/Dollar

Coverage & Fees

  • Emergency medical insurance up to $5,000,000, trip length tiered by age, coverage ends at age 75
  • Trip cancellation/modification insurance, up to $2,500 per person
  • Baggage insurance, up to $2,500 per person
  • 180-day purchase protection, extended warranty (triples manufacturer’s warranty)

Worth Knowing

  • Lounge access limited to a single airport (YUL) — not a global network
  • Annual fee has an unresolved $295-vs-$395 conflict in Desjardins’ own materials
  • Minimum credit score not published

Who It’s For

Best For

  • Frequent Montreal-Trudeau travelers who’ll use the lounge access regularly
  • High-income Desjardins caisse members who qualify for the lower member fee
  • Dining and grocery spenders who want a strong, uncapped BonusDollars rate

Not For

  • Travelers who want lounge access at multiple airports or globally
  • Applicants below the $150K/$200K income bar
  • Anyone expecting a signup bonus on a premium card
Desjardins Odyssey Visa Infinite Privilege Card credit card
IssuerDesjardins
Annual fee$395/yr (members: $295)
Welcome bonusNone currently found
Foreign transaction fee2.5%

See official card details →

This link goes directly to Desjardins’ official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

Key Drawbacks to Know Before Applying

Desjardins’ own materials disagree on this card’s annual fee — the marketing page advertises $295 for Desjardins members, but both official cardholder agreements state a flat $395 with no mention of a member rate, so confirm which applies to you before applying. The airport lounge perk, while generous at 12 free visits a year, is limited to a single Montreal airport rather than a global network, which is worth knowing for a card marketed at the “Privilege” tier. We also couldn’t find a welcome bonus advertised as of our research date — unusual for a premium card at this price point, so double-check the live offer before applying. The $150,000 personal / $200,000 household income requirement is also among the highest we’ve seen.

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by Desjardins and can change without notice; always confirm current terms on the issuer’s official page before applying.