Choose your settings
Choose your language

Credit card

Odyssey Visa Infinite Privilege

Our credit card with the most travel perks and rewards

Eligibility: minimum annual income of $150,000 (personal) or $200,000 (household)  1

Interest rate on purchases

11.9% 2

Interest rate on cash advances

12.9% 2

Annual fee

$295 for Desjardins members and $395 for non-members 3

Rewards program

Up to 4% of your purchases in BONUS­DOLLARS 4

Travel insurance

Comprehensive, up to 60 days

Get up to 4% of your purchases in rewards

The percentage you get depends on the purchase category. 4 , 5

Groceries

3%
of your purchases

Restaurants

4%
of your purchases

Entertainment

4%
of your purchases

Alternative transportation

4%
of your purchases

Travel

Up to 3% 6
of your purchases

Other purchases

1.75%
of your purchases

Annual cap

After your first $25,000 in annual purchases in the Travel 6 category, you earn BONUSDOLLARS at the rate of the All other purchases category.

Example

If you spend $800 a month on groceries, you earn 24 BONUSDOLLARS® every month ($800 x 3% of your purchases). That's a total of 288 BONUSDOLLARS a year for that category. You can then redeem your BONUSDOLLARS for gift cards or other products and services.

1 BONUSDOLLARS earned = $1 you can redeem

Learn more about BONUS­DOLLARS

Benefits of the Odyssey® Visa Infinite Privilege*

Travel

Compre­hensive travel insurance

Get comprehensive travel insurance for you and your family 7 for up to 60 consecutive days, no matter how many trips you take during the year.

Your grandchildren are also eligible for complimentary intergenerational coverage when travelling with you.

What's included
  • Emergency healthcare coverage
    • Up to $5 million per person 8
    • Up to 60 days, depending on your age
  • Trip cancellation coverage
    • Up to $2,500 per person if the trip is cancelled before departure
    • Unlimited coverage if the trip is cancelled after departure
    • You need to pay for your ticket with your credit card to get this coverage
  • Baggage coverage
    • Up to $2,500 per person if your baggage is lost or damaged by a common carrier or if it's stolen
    • Up to $1,000 per person if baggage is delayed for more than 4 hours
    • Up to 60 days, depending on your age
  • Travel assistance: 24/7, anywhere in the world
Help in case of emergency when travelling

Canada and the US:
1-844-653-4795  Phone number for the assistance service while travelling in Canada and the US. This will launch your default phone software.

Other countries (collect call):
514-285-4795 Phone number for the assistance service while travelling outside of Canada and the US. This will launch your default phone software

Learn more about this insurance

The summary includes key information on your travel insurance. The insurance policy includes all conditions and exclusions to do with your travel insurance. Pay close attention to the exclusion for injuries or unstable medical conditions.

See the insurance product summary (PDF, 500 KB)

See the travel insurance policy (PDF, 655 KB)

Lounge access at Montréal-Trudeau International Airport

Relax in 1 of now 2 Desjardins Odyssey Lounges at Montréal-Trudeau International Airport while you wait for your flight.

Get 12 free passes a year for all the cards on the Odyssey® Visa Infinite Privilege* account. Enjoy unlimited beverages and snacks, newspapers and magazines, and free Wi-Fi.

Learn more about the Desjardins Odyssey Lounges

Perks to elevate your travel experience

  • Available 24/7, the Visa Infinite Privilege Concierge service 9 is like a personal assistant. Use it for things like planning a trip or finding tickets to an event.
  • Elevate your airport experience with complimentary lounge visits when you enroll in Visa Airport Companion 10 , and enjoy other benefits at certain Canadian airports when you use your Desjardins Odyssey Visa Infinite Privilege card. Plus, when you book through the Visa Infinite Luxury Hotel Collection, 11 you'll receive exclusive benefits like automatic room upgrades 12 .
Learn more about the benefits and offers available External link

Car rental

Discounts at Hertz®, Thrifty® and Dollar®

Get up to 25% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

Hertz
  • Up to 25% off the rental rate 13
  • No young drivers surcharge 14
  • No fee for additional drivers 15
  • Automatic eligibility for Five Star® status with the Hertz Gold Plus® Rewards program
  • 20% off the Prestige collection (US and Europe)
  • 25% off a GPS unit
  • Reduced Loss Damage Waiver 14

Contact Hertz at 1-800-654-3131 Toll-free phone number for Hertz customer service. This link will launch your default phone software..

Learn more about the Hertz discount  External link
Thrifty and Dollar
  • Up to 10% off the rental rate 13
  • No young drivers surcharge 14
  • No fee for additional drivers 15

Contact Thrifty at 1-800-847-4389 Toll-free phone number for Thrifty customer service. This link will launch your default phone software.. 

Visit the Thrifty site External link

Contact Dollar at 1-800-800-4000 Toll-free phone number for Dollar customer service. This link will launch your default phone software.. 

Visit the Dollar site External link

Auto rental collision and loss damage insurance

This insurance covers you for up to 48 consecutive days in the event your rental car is damaged or stolen when you pay for the total cost of the rental with your card. 16

Help in case of an accident

Canada and the US:
1-888-409-4442  Phone number for assistance in case of an accident in Canada or the US. This will launch your default phone software.

Other countries (collect call):
613-634-4993 Phone number for assistance in case of an accident while travelling outside Canada and the US. This will launch your default phone software

Information and claims

Canada and the US:
1-888-409-4442  Phone number to find out more about auto rental collision and loss damage insurance or to make a claim in Canada and the US. This will launch your default phone software.

Other countries (collect call):
613-634-4993 Collect call phone number to find out more about auto rental collision and loss damage insurance or to make a claim while travelling outside Canada and the US. This will launch your default phone software.

Make a claim   on the auto rental collision and loss damage insurance. External link.
Learn more about this coverage

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the product summary (PDF, 76 KB)

See the insurance certificate (PDF, 141 KB)

Mobile device and purchase protection

Mobile device insurance

Get up to $1,500 to cover the loss, theft, accidental damage or mechanical failure of mobile devices purchased with this card. 16

2 ways to get this coverage
  • Use your credit card to pay for your mobile device.
  • Use your credit card to pay any upfront costs and all monthly wireless bill payments if funding the cost through a wireless plan.
Information and claims

Canada and the US:
1-888-409-4442  Phone number to get information about purchase protection and extended warranty or to make a claim in Canada and the US. This link will launch your default phone software

Other countries (collect call):
613-634-4993 Collect call phone number to get information about mobile device insurance or to make a claim. This link will launch your default phone software

Make a claim on your mobile device insurance. External site
Learn more about this coverage

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the insurance product summary (PDF, 71 KB)

See the insurance certificate (PDF, 141 KB)

Purchase protection and extended warranty

Purchase protection and extended warranty provide better protection for the eligible items you purchase with your credit card. 16

Purchase protection

Purchase protection covers eligible items purchased with your card in the event of loss or damage for 180 days from the purchase date. 16

Read the Certificate of Insurance to learn all about this coverage.

Extended warranty

An extended warranty automatically triples the original manufacturer's warranty for up to 2 additional years on most items purchased with your card. 16

Read the Certificate of Insurance to learn all about this coverage.

Information and claims

Canada and the US:
1-888-409-4442 Phone number to get information about purchase protection and extended warranty or to make a claim in Canada and the US. This link will launch your default phone software.

Other countries (collect call):
613-634-4993 Collect call phone number to get information about purchase protection and extended warranty or to make a claim in Canada and the US. This link will launch your default phone software.

Make a claim on the purchase protection and the extended warranty. External link.
Learn more about purchase protection and the extended warranty

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the product summary (PDF, 71 KB)

See the insurance certificate (PDF, 141 KB)

Financing and cash advances

  • Pay for purchases of $200 or more in smaller equal installments at participating merchants.
  • Pay for a project or make a large purchase with Accord D financing.
  • Get cash advances of up to $5,000 a day 17 at 12.9% 2  interest.

Good to know

When you take out a cash advance, you're charged interest right away. In contrast, when you make purchases with your credit card, you have an interest-free grace period of 21 days from the date the statement is issued.

Additional features and options

  • Additional card: no annual fee for Desjardins members, $95 a year for non-members 18
  • 21-day grace period to pay off your balance without incurring interest, except on cash advances 3
  • Overdraft transfer so you can cover transactions that exceed your account balance using an automatic cash advance from your credit card
  • Credit Balance Insurance to help you pay off your credit card if you become critically ill or disabled
  • Mobile payment so you can pay with your Android or Apple device

Fraud protection

Apply for the Odyssey Visa Infinite Privilege

Online

Want to see more cards?

Odyssey® World Elite® Mastercard®

Credit card with generous rewards and travel perks
Learn more about Odyssey World Elite Mastercard

Odyssey® Gold Visa*

Rewards credit card with comprehensive travel insurance
Learn more about Odyssey Gold Visa
See all our credit cards

Useful information

See the terms and conditions (PDF, 1.8 MB)

See the terms and conditions (PDF, 2.1 MB)

See the BONUSDOLLARS Rewards Program rules (PDF, 273 KB)

See the Desjardins Odyssey Lounge access rules (PDF, 64 KB)

Annual fees and fixed annual interest rates (like the interest rate on purchases and the interest rate on cash advances) are subject to change with 30 days' notice. Emergency Health Care, Baggage and Trip Cancellation coverages are underwritten by Desjardins Financial Security Life Assurance Company. An insurance policy specifying all terms and conditions will be provided upon enrolment for the card. If you'll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Some conditions and restrictions apply. BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Hertz ® is a registered trademark of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc. Dollar ® and Thrifty ® are registered trademarks of DTG Operations, Inc. Used under licence. © 2018 DTG Operations, Inc. Five Star ® status and the Hertz Gold Plus Rewards ® are registered trademarks of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. * Trademark of Visa International Service Association and used under licence. You're also eligible if the value of your assets under management is more than $400,000. Examples of assets to include: RRSPs, TFSAs, bank accounts, investments. Examples of assets to exclude: real estate assets, cars, boats and artwork. If you don't make the minimum payment by the due date, the annual interest rates on purchases and cash advances will increase to 19.9% until we receive your payment. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest.
BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS. To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries (codes 5411, 5422, 5462). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions. The 3% BONUSDOLLARS rate will be applied to the first $25,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. Coverage applies to cardholders, their spouse and dependent children. This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representation or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders' request in all instances. There is no fee for the Concierge's services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder's behalf. All costs will be charged directly to the cardholder’s Visa Infinite Privilege card. Cardholders with a valid Canadian-issued Visa Infinite Privilege card have access to participating lounges within the Visa Airport Companion Program ("Program"), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian-issued Visa Infinite Privilege card. Upon enrollment, 6 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of US$32 (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to the Cardholders' Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (for example, when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa's Privacy Notice. To view the full Terms and Conditions for the Program, visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third-party offer providers. Neither Visa nor the Issuer is responsible for any claims or damages arising from participation in the Program. Cardholders must use their Visa Infinite Privilege card to reserve and pay for their stay at a Visa Infinite Luxury Hotel Collection property, either through the Visa Infinite Privilege Concierge or through the Visa exclusive web portal, to automatically enjoy these benefits. Visa reserves the right to cancel or modify this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For the full terms and conditions of the program, visit the Visa Infinite Luxury Hotel Collection External link site.
Where there is capacity. Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Waived underage fee and reduced loss damage waiver benefits available at participating locations in Canada and the US only.
Additional driver must meet standard age, driver and credit qualifications. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant ® is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
Subject to credit approval. Maximum amount depends on your credit limit. Cash advance interest starts to accrue on the transaction date. Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with the Fédération des caisses Desjardins du Québec or the Caisse Desjardins Ontario Credit Union Inc. Non-members have to pay for additional cards: $30 for the Odyssey Gold Visa and Cash Back World Elite Mastercard, $40 for the Odyssey World Elite Mastercard and $95 for the Odyssey Visa Infinite Privilege.