Desjardins Odyssey Visa Infinite Privilege Card Review

Item: Desjardins Odyssey Visa Infinite Privilege
Rating: 2.9
Author: Sara Skodak

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

Sara Skodak

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

Desjardins Odyssey Visa Infinite Privilege

2.9

Finly Rating

APPLY NOW

on Desjardins' website

Welcome Bonus

N/A

Rewards Rate

1.75% - 4%

Points

Annual Fee

$395

Interest Rates

11.90% - 19.90% / 12.90%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Card Details

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 days
Travel Medical Insurance (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$2,500
Car Rental Damage & Theft
Yes

Benefits

Details

Airport Lounge - Priority Pass
6 free passes per year
Airport 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 surcharge
Car Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options

Eligibility

Credit Score
Very Good
Annual 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

Eligibility

Minimum Individual Income

$150,000

Minimum Household Income

$200,000

Credit Score Estimate

Very Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

Desjardins BONUSDOLLARS® Rewards

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.

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:

	Desjardins Odyssey Visa Infinite Privilege	Scotiabank Passport® Visa Infinite* Privilege Card	Wealthsimple Visa Infinite Privilege*	RBC Avion Visa Infinite Privilege	TD® Aeroplan® Visa Infinite Privilege* Credit Card
Welcome Bonus	N/A	Earn up to 100,000 bonus Scene+ points	$25 Exclusive bonus for new Wealthsimple clients*	Up to 70,000 Avion points*	Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Earn Rates	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	Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia. That's a total of 6X the points! Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment. Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.	2% cash back on all eligible purchases, no limits.	1.25x Avion points per $1 spent on all eligible purchases	Earn 2 points^†for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®) Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases. Earn 1.25 points^†for every $1 spent on all other purchases made with your Card Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore). Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included	10 types 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 days Travel Medical Insurance (65+) 15 days Baggage Delay $1,000 Lost or Stolen Baggage $2,500 Car Rental Damage & Theft Yes	13 types Mobile Device Insurance $1,000 Travel Medical Insurance $5M/insured up to 31 days Travel Medical Insurance (65+) $5M/insured up to 10 days Trip Cancellation $2,500/person, $10,000/trip Trip Interruption $5,000/person, $25,000/trip Flight Delay $1,000/person Lost or Stolen Baggage $2,500/person (max $5,000 per trip) Baggage Delay $1,000/person Hotel Burglary Insurance $2,500 Common Carrier Travel Accident Insurance $500,000/insured Car Rental Damage & Theft Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days Purchase Protection 180 days Extended Warranty 2 years	9 types Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year Travel Medical Insurance^* 14 days up to $2M (under age 65) Trip Cancellation^* $1,500/person ($5,000 per trip) Trip Interruption^* $1,500/person ($5,000 per trip) Baggage Delay^* $1,000 ($1,250 combined with Lost or Stolen Baggage coverage)* Lost or Stolen Baggage^* $1,000 ($1,250 combined with Baggage Delay coverage) Car Rental Damage & Theft^* 31 days, $65K car MSRP	13 types Purchase Protection 120 days Extended Warranty Up to 2 years Mobile Device Insurance $1,500 Common Carrier Travel Accident Insurance $500,000 Travel Medical Insurance 31 days Travel Medical Insurance (65+) 7 days Trip Interruption $5,000 Trip Cancellation $2,500 Hotel Burglary Insurance $3,000 Baggage Delay $750 Lost or Stolen Baggage $2,500 Flight Delay $1,000 Car Rental Damage & Theft yes	13 types Travel Medical Insurance^† 31 days Travel Medical Insurance (65+)^† 4 days Trip Cancellation^† $2,500/person, $5,000/trip Trip Interruption^† $5,000/person, $25,000/trip Flight Delay^† $1,000/person after 4 hours Baggage Delay^† $1,000/person after 4 hours Lost or Stolen Baggage^† $2,500/person Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† 48 days Hotel Burglary Insurance^† $2,500 Purchase Protection^† 120 days Extended Warranty^† 2 years Mobile Device Insurance^† $1,500
Benefits	7 benefits Airport Lounge - Priority Pass 6 free passes per year Airport 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 surcharge Car Rental Discount 10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge Concierge Services Visa Infinite concierge services Visa Infinite Exclusive Benefits Luxury hotels or travel options	7 benefits No Foreign Transaction Fees Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada Travel Credit $250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year. Airport Lounge - Dragon Pass 10 Free complimentary visits Status lift Avis President’s Club membership – two class upgrades, priority service. Concierge Services 24/7 Visa Infinite Privilege concierge (English & French) Visa Infinite Exclusive Benefits Priority Travel Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.	3 benefits No Foreign Transaction Fees^* Avoid FX fees when you travel abroad Visa Infinite Exclusive Benefits^* Airport Lounge - Dragon Pass^* 6 complimentary visits	7 benefits Airport Lounge - Dragon Pass Visa Airport Companion membership + 6 complimentary airport lounge visits per year Gas Discount save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada Extra points 50 Be Well points for every $1 spent on eligible products at Rexall Concierge Services Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call! Priority Travel Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports Visa Infinite Exclusive Benefits Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades Discount Add your credit card to your DoorDash account and get a free 12-month DashPass subscription	20 benefits Free first checked bag^† First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests Nexus Program Rebate^† up to $100 every 4 years Visa Infinite Exclusive Benefits^† Concierge Services^† Golf Benefit^† Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S Extra points^† Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.   Extra points^† Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore Status lift^† Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases Car Rental Discount^† 10% off base rate of Avis Rent A Car and Budget Rent A Car Trip and legal Assistance^† Extra points^† Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade Status lift^† Complimentary upgrade to Avis® President's Club Status lift^† Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year. Status lift^† Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance. Status lift^† Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond. Priority Travel^† At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking. Priority Travel^† Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada) Airport Lounge - Dragon Pass^† 6 Free complimentary visits Airport Lounge - Maple Leaf and AirCanada Cafes^† Unlimited Access for you and one guest Companion Voucher^† Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Annual Fee	$395	$599	$240	$399	$599
Income Requirements	$150,000 personal or $200,000 household	$150,000 personal or $200,000 household	$150,000 personal or $200,000 household	$200,000 personal or $200,000 household	$150,000 personal or $200,000 household
Apply Now	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW

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.

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.

✅ Valuable BONUS-DOLLAR Cashback

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.

✅ Strong Insurance

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.

✅ Airport Lounge Access

Luxury travellers will enjoy the card's included Priority Pass and Desjardins Odyssey airport lounge access, with several complimentary visits per year.

✅ Car Rental Discounts

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.

✅ Boingo Wi-Fi Hotspot

Enjoy access to over 1 million Boingo Wi-Fi hotspots worldwide.

✅ Concierge Services

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.

❌ High Annual Fee

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.

❌ No Welcome Offer

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.

❌ High Income Requirements

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 ...

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What's on this Page

The Bottom Line
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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Desjardins Odyssey Visa Infinite Privilege

2.9

FinlyWealth Rating

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on Desjardins' website

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Desjardins Odyssey Visa Infinite Privilege

Scotiabank Passport® Visa Infinite* Privilege Card

Wealthsimple Visa Infinite Privilege*

RBC Avion Visa Infinite Privilege

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Welcome Bonus

N/A

Earn up to 100,000 bonus Scene+ points

$25 Exclusive bonus for new Wealthsimple clients*

Up to 70,000 Avion points*

Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.

Earn Rates

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

Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia. That's a total of 6X the points!
Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.

2% cash back on all eligible purchases, no limits.

1.25x Avion points per $1 spent on all eligible purchases

Earn 2 points^†for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Earn 1.25 points^†for every $1 spent on all other purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Insurance Included

10 types

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 days
Travel Medical Insurance (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$2,500
Car Rental Damage & Theft
Yes

13 types

Mobile Device Insurance
$1,000
Travel Medical Insurance
$5M/insured up to 31 days
Travel Medical Insurance (65+)
$5M/insured up to 10 days
Trip Cancellation
$2,500/person, $10,000/trip
Trip Interruption
$5,000/person, $25,000/trip
Flight Delay
$1,000/person
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)
Baggage Delay
$1,000/person
Hotel Burglary Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000/insured
Car Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days
Purchase Protection
180 days
Extended Warranty
2 years

9 types

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Travel Medical Insurance^*
14 days up to $2M (under age 65)
Trip Cancellation^*
$1,500/person ($5,000 per trip)
Trip Interruption^*
$1,500/person ($5,000 per trip)
Baggage Delay^*
$1,000 ($1,250 combined with Lost or Stolen Baggage coverage)*
Lost or Stolen Baggage^*
$1,000 ($1,250 combined with Baggage Delay coverage)
Car Rental Damage & Theft^*
31 days, $65K car MSRP

13 types

Purchase Protection
120 days
Extended Warranty
Up to 2 years
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
31 days
Travel Medical Insurance (65+)
7 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Hotel Burglary Insurance
$3,000
Baggage Delay
$750
Lost or Stolen Baggage
$2,500
Flight Delay
$1,000
Car Rental Damage & Theft
yes

13 types

Travel Medical Insurance^†
31 days
Travel Medical Insurance (65+)^†
4 days
Trip Cancellation^†
$2,500/person, $5,000/trip
Trip Interruption^†
$5,000/person, $25,000/trip
Flight Delay^†
$1,000/person after 4 hours
Baggage Delay^†
$1,000/person after 4 hours
Lost or Stolen Baggage^†
$2,500/person
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
48 days
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
120 days
Extended Warranty^†
2 years
Mobile Device Insurance^†
$1,500

Benefits

7 benefits

Airport Lounge - Priority Pass
6 free passes per year
Airport 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 surcharge
Car Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options

7 benefits

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Travel Credit
$250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.
Airport Lounge - Dragon Pass
10 Free complimentary visits
Status lift
Avis President’s Club membership – two class upgrades, priority service.
Concierge Services
24/7 Visa Infinite Privilege concierge (English & French)
Visa Infinite Exclusive Benefits
Priority Travel
Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.

3 benefits

No Foreign Transaction Fees^*
Avoid FX fees when you travel abroad
Visa Infinite Exclusive Benefits^*
Airport Lounge - Dragon Pass^*
6 complimentary visits

7 benefits

Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription

20 benefits

Free first checked bag^†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate^†
up to $100 every 4 years
Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.  
Extra points^†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Status lift^†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance^†
Extra points^†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Status lift^†
Complimentary upgrade to Avis® President's Club
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Status lift^†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel^†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.
Priority Travel^†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Dragon Pass^†
6 Free complimentary visits
Airport Lounge - Maple Leaf and AirCanada Cafes^†
Unlimited Access for you and one guest
Companion Voucher^†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Annual Fee

$395

$599

$240

$399

$599

Income Requirements

$150,000 personal or $200,000 household

$200,000 personal or $200,000 household

$150,000 personal or $200,000 household

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Frequently Asked Questions

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.

The Bottom Line