Geographic note: Desjardins credit cards are primarily available in Quebec, Ontario, New Brunswick, and Manitoba. Membership in a Desjardins caisse or Caisse Alliance is required.
The Desjardins Odyssey Visa Infinite Privilege is the premium credit card from Desjardins, Quebec’s largest financial cooperative. Offering top-tier travel insurance, airport lounge access, and BONUSDOLLARS rewards, it competes with the best premium Visa cards available in Canada—but is exclusively for Desjardins members.
Quick Verdict
Best for: High-income Desjardins members in Quebec and other Desjardins service regions who want a premium travel card with lounge access and comprehensive coverage.
Not ideal for: Those outside Desjardins’ service area, or earners below the $150,000 personal income threshold.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $295 CAD |
| Network | Visa Infinite Privilege |
| Rewards Program | BONUSDOLLARS |
| Income Requirement | $150,000 personal / $200,000 household |
| Purchase Interest Rate | 19.9% |
| Cash Advance Rate | 21.9% |
| Foreign Transaction Fee | 2.5% |
| Lounge Access | Visa Airport Companion (DragonPass) |
Welcome Bonus
Desjardins periodically offers sign-up bonuses. Visit desjardins.com for the current promotion.
BONUSDOLLARS Earn Rates
The Desjardins Odyssey Visa Infinite Privilege earns BONUSDOLLARS on all purchases. Verify current earn rates by category at desjardins.com.
BONUSDOLLARS Redemption
BONUSDOLLARS can be redeemed for:
- Travel — flights, hotels, car rentals (best value)
- Desjardins financial products — RRSP, mortgage payments, etc.
- Gift cards and merchandise
- Statement credits
Comprehensive Travel Insurance
| Coverage | Included |
|---|---|
| Emergency Medical | ✅ (up to 60 days) |
| Trip Cancellation/Interruption | ✅ |
| Baggage Delay and Loss | ✅ |
| Car Rental Collision/Loss Damage Waiver | ✅ |
| Flight Delay | ✅ |
| Hotel Burglary | ✅ |
Benefits and Perks
- Lounge access — Visa Airport Companion with complimentary visits
- Comprehensive travel insurance — among the best in Canada
- Concierge service — Visa Infinite Privilege concierge
- Purchase protection — theft and damage coverage
- Extended warranty
- Travel credits or additional perks (verify at desjardins.com)
Who Is This Card Best For?
- Desjardins members with $150,000+ income
- Quebec-based frequent travellers wanting premium benefits
- High spenders who want to maximize BONUSDOLLARS
Alternatives
| Card | Annual Fee | Geographic | Best For |
|---|---|---|---|
| Desjardins Odyssey World Elite Mastercard | $130 | Same regions | Lower-income Desjardins premium |
| Scotiabank Passport Visa Infinite | $150 | Canada-wide | No-FX Visa Infinite |
| American Express Platinum Card | $799 | Canada-wide | Ultimate ultra-premium |
Bottom Line
The Desjardins Odyssey Visa Infinite Privilege is one of the best premium credit cards available to Quebec residents and other Desjardins members. The combination of lounge access, extensive travel insurance, and BONUSDOLLARS earning makes it a top-tier option for eligible high-income members.
Disclaimer: Card terms, earn rates, and features are subject to change. Verify all current details at desjardins.com before applying. Membership in Desjardins is required.