travel4.2 / 5

Desjardins Odyssey Visa Infinite Privilege

Desjardins

Best for

Affluent Quebec travellers who want luxury Visa Infinite Privilege perks, generous earn rates and best-in-class travel insurance.

Apply on Desjardins

Annual fee

$295

FX fee

2.5%

Purchase APR

11.9%

Income req.

$150,000 personal / $200,000 household

Recommended credit score

780+

Approval difficulty

Hard approval

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)

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Desjardins Odyssey Visa Infinite Privilege Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/desjardins-odyssey-visa-infinite-privilege, updated June 2026.

Sources

Desjardins cardholder agreement and rates & fees disclosure
VaultNerd cards database