Desjardins Odyssey World Elite Mastercard
Quebec-based travellers who want top-tier travel insurance plus strong everyday rewards in one card.
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
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.
Reward rates
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% | 3x |
Entertainment | 2x |
Alternative transportation | 2x |
Travel 2% on the first $20,000 in annual travel purchases, then 1% | 2x |
All other purchases | 1x |
VaultNerd values these points at ~1¢ each.
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
- 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)
Frequently asked questions
Is the Desjardins Odyssey World Elite Mastercard worth it?
It charges a $130 annual fee, and we rate it 4.0 out of 5. It's best suited to quebec-based travellers who want top-tier travel insurance plus strong everyday rewards in one card. 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 World Elite Mastercard earn?
It earns 3x on groceries, 3x on restaurants and 2x on entertainment. We value these points at about 1¢ each, so the top rate works out to roughly 3.0% back.
What credit score do you need for the Desjardins Odyssey World Elite Mastercard?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $80,000 personal or $150,000 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 World Elite Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/desjardins-odyssey-world-elite-mastercard, updated June 2026.
- Desjardins cardholder agreement and rates & fees disclosure
- VaultNerd cards database