Working hard in the background...
Desjardins Odyssey Visa Infinite Privilege Card Review
The Desjardins Odyssey Visa Infinite Privilege Card offers some of the best cashback rates for a premium contender, redeemable towards several popular purchase types. These rewards are paired with solid insurance coverage and exclusive perks.
Feb 20, 2026 2:29 PM
Written By
Lead Writer
The Bottom Line
Compared to other Visa Infinite Privilege Cards, the Desjardins Odyssey Visa Infinite Privilege Card offers some of the best cashback optimization. That said, competing rewards programs, coverage, and perks are often more valuable, typically for a higher annual cost or income requirement.
Skip to: Detailed Review
APPLY NOW
on Desjardins' website
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Rewards
- 4% in BONUS-DOLLARS on restaurant, entertainment and transit purchases
- 3% in BONUS-DOLLARS on travel related purchases (up to $25,000 spending per year)
- 3% in BONUS-DOLLARS on travel and grocery purchases
- 1.75% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
2 years
Purchase Protection
180 days
Mobile Device Insurance
$1,000
Trip Cancellation
$2,500
Trip Interruption
no limits
Travel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$2,500.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Priority Pass
6 free passes per yearAirport Lounge - Desjardins Odyssey
12 free passes per year
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge.svg)
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
Card Details
Interest Rates
Purchase APR
11.90% - 19.90%
Cash Advance APR
12.90%
Balance Transfer APR
12.90%
Fees
Annual Fee
$395
Additional Cards
95
Eligibility
Minimum Individual Income
$150,000
Minimum Household Income
$200,000
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- High earn rates
- Comprehensive coverage
- Airport lounge access
- World Elite perks
Cons
- High annual fee
- No welcome offer
- High income requirements
- Limited branch access
Our Detailed Review
How You Earn Rewards with the Desjardins Odyssey Visa Infinite Privilege Card
With the Desjardins Odyssey Visa Infinite Privilege Card, you’ll collect the following:
- 4% in BONUS-DOLLARS on restaurant, entertainment and transit purchases
- 3% in BONUS-DOLLARS on travel related purchases (up to $25,000 spending per year)
- 3% in BONUS-DOLLARS on travel and grocery purchases
- 1.75% in BONUS-DOLLARS on all other purchases
Therefore, this card is a solid cashback contender for popular and luxury expenses.
How You Redeem Rewards with the Desjardins Odyssey Visa Infinite Privilege Card
When you earn cashback with the Desjardins Odyssey Visa Infinite Privilege Card, you receive it as Desjardins BONUSDOLLARS* Rewards.
These rewards can be redeemed towards the following (ranked from most valuable to least valuable):
- Travel
- Financial products
- Entertainment
- Restaurants
- Gift Cards
- Merchandise
For more information on each category, check out our Credit Card Points Value Calculator.
Benefits and Perks
6 Benefits of the Desjardins Odyssey Visa Infinite Privilege Card
There are plenty of benefits that make the Desjardins Odyssey Visa Infinite Privilege Card worthwhile for the right cardholder.
As mentioned, the cashback rates you'll receive on restaurant, entertainment, transit, travel, and groceries, are relatively high for a perks-focused contender. Desjardins BONUSDOLLARS* Rewards also hold a high cent-per-point value when redeemed toward eligible expenses.
To keep you protected during all of your travels, the Desjardins Odyssey Visa Infinite Privilege Card comes with comprehensive coverage, including trip interruption insurance, trip cancellation insurance, travel medical insurance for seniors, and more.
Luxury travellers will enjoy the card's included Priority Pass and Desjardins Odyssey airport lounge access, with several complimentary visits per year.
Cardholders can also expect a couple of car rental discounts at Hertz, Thrifty, or Dollar rental locations. Base rate discounts are especially impressive at Hertz.
Enjoy access to over 1 million Boingo Wi-Fi hotspots worldwide.
The card also has a built-in 24/7 personal assistant equipped to doing anything from booking a trip to securing tickets to an event.
Drawbacks and Considerations
3 Downsides to the Desjardins Odyssey Visa Infinite Privilege Card
Of course, there are also a few drawbacks to consider.
Although it accounts for all the premium perks, the Desjardins Odyssey Visa Infinite Privilege Card comes with a steep annual fee that isn't exactly budget-friendly.
Some applicants might be disappointed by the fact that such a prestigious credit card lacks a promotional offer. Other contenders in the same category come with enticing sign-up bonuses of extra points or cashback.
The card also becomes less accessible on account of its high annual income requirements.
Frequently Asked Questions
The Desjardins Odyssey Visa Infinite Privilege Card, like any card, is worth it if it complements your spending habits and if you intend to use all of its perks to extract the most value. When you take full advantage of a credit card's perks, you can effectively offset its annual fee.
With the Desjardins Odyssey Visa Infinite Privilege Card, you'll be able to access Priority Pass lounges as well as Desjardins Odyssey lounges. Each lounge network comes with a set of complimentary lounge visits per year. After you use up all your free passes, you'll have to pay an entry fee per visit.
No. The cashback you earn with the Desjardins Odyssey Visa Infinite Privilege Card must be redeemed towards eligible:
- Travel
- Financial products
- Entertainment
- Restaurants
- Gift Cards
- Merchandise
Which is still pretty generous.
Visa Infinite Privilege is the highest Visa tier on the market, offering the best purchasing power and premium perks and experiences. However, this tier typically comes with higher annual fees and income requirements.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOWhat's on this Page
Get personalized rewards estimates — see exactly how much you could earn.
Desjardins Odyssey Visa Infinite Privilege Points Calculator
APPLY NOW
on Desjardins' website