Desjardins Odyssey Visa Infinite Privilege
Affluent Quebec travellers who want luxury Visa Infinite Privilege perks, generous earn rates and best-in-class travel insurance.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
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.
Reward rates
Restaurants | 4x |
Entertainment | 4x |
Alternative transportation | 4x |
Groceries | 3x |
Travel 3% in BONUSDOLLARS on the first $25,000 in annual travel purchases, then 1.5% | 3x |
All other purchases | 1.5x |
VaultNerd values these points at ~1¢ each.
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
- 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)
Frequently asked questions
Is the Desjardins Odyssey Visa Infinite Privilege worth it?
It charges a $295 annual fee, and we rate it 4.2 out of 5. It's best suited to affluent Quebec travellers who want luxury Visa Infinite Privilege perks, generous earn rates and best-in-class travel insurance. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Desjardins Odyssey Visa Infinite Privilege earn?
It earns 4x on restaurants, 4x on entertainment and 4x on alternative transportation. We value these points at about 1¢ each, so the top rate works out to roughly 4.0% back.
What credit score do you need for the Desjardins Odyssey Visa Infinite Privilege?
We'd suggest a score of around 780 or higher, which puts approval in our "hard" band. It also lists an income requirement of $150,000 personal or $200,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Desjardins Odyssey Visa Infinite Privilege Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/desjardins-odyssey-visa-infinite-privilege, updated June 2026.
- Desjardins cardholder agreement and rates & fees disclosure
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