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.
May 25, 2026 6:37 PM
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.
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on Desjardins' website
RECOMMENDED CREDIT SCORE
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
- 1.5% 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 (64 & under)
60 daysTravel Medical Insurance (65 to 75)
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
Welcome Bonus Details
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
7 Benefits of the Desjardins Odyssey Visa Infinite Privilege Card
There are plenty of benefits that make the Desjardins Odyssey Visa Infinite Privilege Card one of the top Desjardins credit cards in Canada.
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.
Recognized as one of the best low-interest credit cards in Canada, the Desjardins Odyssey Visa Infinite Privilege Card offers the best BONUSDOLLARS cashback opportunities with low fixed interest rates on purchases, balance transfers, and cash advances.
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.
Compare to Similar Cards
Comparison to Top Visa Infinite Privilege Cards
Considering the high annual price tag, applying for a Visa Infinite Privilege Card is a pretty big decision. With this in mind, we're comparing the Desjardins Odyssey Visa Infinite Privilege Card against some of the top Visa Infinite Privilege credit cards in Canada.
Here's a sneak peek of the comparisons we'll be making:
Limited offer
Scotiabank
4.5
Wealthsimple
4.4
RBC
4.4
Annual Fee
$395
$599
$240
$399
$599
Interest Rates
Purchase
11.90% - 19.90%
Cash advance
12.90%
Balance transfer
12.90%
Purchase
20.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
20.99%*
Cash advance
22.99%*
Rate details
Purchase
20.99%
Cash advance
22.99%
21.99%
Balance transfer
22.99%
21.99%
Purchase
21.99%
Cash advance
22.99%
21.99%
Welcome Bonus
—
Earn up to 80,000 bonus Scene+ points
Get 5% cash back for the first 30 days (1)
Get up to 100,000 Avion points(1)
Up to $3,300 in value† including up to 100,000 Aeroplan points† could be yours. Conditions Apply.
Rewards
1.75% - 4%
1x - 6x
$284.5
First year rewards
$1,282.52
First year rewards
$329.34
First year rewards
on Desjardins' website
on Scotiabank's website
on Wealthsimple's website
on RBC's website
on TD's website
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
Desjardins Odyssey Visa Infinite Privilege Card vs Scotiabank Passport Visa Infinite Privilege Card
If you don't mind splurging on a higher annual fee, check out the Scotiabank Passport Visa Infinite Privilege Card, one of the best sign-up bonus credit cards in Canada. This card collects solid Scene+ points on travel, dining, and entertainment. There are also slightly more ways to redeem Scene+ points. The coverage on this card is also more extensive, including travel accident, hotel burglary, and flight delay insurance. As for perks, on top of no foreign transaction fees, cardholders receive Dragon Pass airport lounge access, an annual travel credit, an Avis President's Club membership and status class upgrades, plus priority travel benefits.
Verdict: The Scotiabank Passport Visa Infinite Privilege Card, although pricey, is a good alternative for those who want more flexible rewards, better coverage, and valuable perks like no foreign transaction fees.
Desjardins Odyssey Visa Infinite Privilege Card vs Wealthsimple Visa Infinite Privilege Card
For a lower annual fee, consider another Premium cashback contender that's also one of the best no foreign transaction fee credit cards in Canada: the Wealthsimple Visa Infinite Privilege Card. This card earns you a flat rate of cashback on all eligible purchases, no foreign transaction fees, and Dragon Pass airport lounge access. Note, however, that this card features fewer perks and coverage categories.
Verdict: If you want a more affordable premium contender that focuses on simple rewards, no foreign transaction fees, and Dragon Pass lounge access, the Wealthsimple Visa Infinite Privilege Card could be a better fit. You can even redeem your cashback more flexibly.
Desjardins Odyssey Visa Infinite Privilege Card vs RBC Avion Visa Infinite Privilege Card
For a more simplified premium rewards system, you might consider the RBC Avion Visa Infinite Privilege Card instead. This contender earns you a flat rate of RBC Avion (Elite) Rewards points per dollar spent on all eligible purchases. These points are more flexible and yield a higher cent-per-point value on travel redemptions. The coverage on this card is also more extensive, adding travel accident insurance, hotel burglary insurance, and flight delay insurance. For perks, expect Dragon Pass airport lounge access, gas discounts, and priority travel benefits. Keep in mind, however, that the annual fee and income requirements are slightly higher.
Verdict: If you qualify, the RBC Avion Visa Infinite Privilege Card offers straightforward, higher value travel points and better coverage to support your next trip.
Desjardins Odyssey Visa Infinite Privilege Card vs TD Aeroplan Visa Infinite Privilege Credit Card
If you're looking for one of the best perks credit cards in Canada, look no further than the TD Aeroplan Visa Infinite Privilege Credit Card. This card earns you decent Aeroplan points per dollar spent on Air Canada purchases, eligible gas, groceries, travel, transit, and more. You can even double your points when you purchase from partner retailers. There are a few additional protections as well, including travel accident insurance, hotel burglary insurance, and flight delay insurance. As far as perks go, expect benefits like airport lounge access, an annual companion voucher, multiple status lifts, free first checked bags, a Nexus program rebate, and priority travel advantages. That said, these perks come with a higher annual price tag.
Verdict: If you want to pocket even more travel perks, the TD Aeroplan Visa Infinite Privilege Card is the best Visa Infinite Privilege option. Just mind the high annual fee.
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 ...
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