The ClearFin bottom line
🌍 Quebec Top Card
Its strongest published earn rate in our data is 3.0% on dining. The $130 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · Desjardins
Desjardins Odyssey World Elite Mastercard
Start with up to 60,000 BONUSDOLLARS welcome offer (varies by promotion), worth about $600.
Independent comparisonFees includedCanadian card data
- Annual fee
- $130
- Reward type
- BONUSDOLLARS
- Welcome offer
- 60,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
🌍 Quebec Top Card
Welcome bonus
Up to 60,000 BONUSDOLLARS welcome offer (varies by promotion)
How to earn it
- Initial BONUSDOLLARS bonus after first spend thresholdMeet minimum spend within first 3 months of account opening
- Additional BONUSDOLLARS bonus after extended spend periodReach cumulative spend threshold within first 12 months
Offer details
New World Elite cardholders who meet minimum spend requirements within defined promotional periods. Eligibility may vary by channel and applicant profile.
How you earn
- Up to 3% BONUSDOLLARS on groceries
- Up to 3% BONUSDOLLARS on restaurants
- 2% BONUSDOLLARS on entertainment
- 2% BONUSDOLLARS on alternative transportation (taxis, transit, rideshare)
- Up to 2% BONUSDOLLARS on travel purchases
- 1% BONUSDOLLARS on all other purchases
- BONUSDOLLARS redeemable at 1:1 value against eligible purchases and services
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$130
Purchase interest20.9%
Cash advance interest21.9%
Foreign transaction fee2.5%
Income requirement$80,000Issuer approval criteria apply
Additional card$40
Household income$150,000Alternative minimum
Recommended credit score720+ Good to Excellent (Prime Tier Canada)
Approval is based on standard credit underwriting with emphasis on strong credit history, low utilization, and stable income or asset-backed eligibility. No fixed score is publicly published, but the product is positioned for prime credit tier applicants.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is a World Elite segmentation product, typically requiring a strong established credit file. Applicants must also meet income ($80,000 personal or $150,000 household) or asset threshold ($400,000+ AUM), reinforcing a premium underwriting barrier.
Reward limits: Accelerated BONUSDOLLARS earn rates (up to 3% in select categories) are subject to annual spending caps. Once caps are reached, all additional purchases in those categories earn the base rate of 1%. Caps reset annually on a calendar-year basis. Merchant category eligibility is determined by Mastercard MCC classification rules, which may vary by merchant coding.
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Premium travel insurance coverage (up to 60 days)
Comprehensive emergency medical insurance up to $5M per person for trips up to 60 consecutive days depending on age and conditions.
Trip cancellation and interruption insurance
Coverage for prepaid travel expenses if a trip is cancelled before departure or interrupted mid-trip when eligible conditions are met.
Baggage loss, damage, and delay protection
Insurance coverage for lost, stolen, or delayed baggage including compensation for essential items during delay periods.
Airport lounge access allocation
Includes 8 complimentary visits per year to Desjardins Odyssey Lounges at Montréal-Trudeau Airport.
Global lounge network access
Access to over 1,300 airport lounges worldwide via Mastercard travel networks (usage-based access model).
Car rental privileges and protections
Discounted rental rates with major providers plus collision and loss damage insurance when booking with the card.
Mobile device insurance (enhanced tier)
Coverage up to approximately $1,500 for loss, theft, or damage of eligible mobile devices purchased or financed with the card.
Purchase protection and extended warranty
Coverage for accidental damage or theft of eligible purchases plus extended manufacturer warranty protection.
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Fraud protection and identity safeguards
Zero liability protection, fraud monitoring, and identity protection services for unauthorized transactions.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- High rewards rate up to 3% in core spending categories
- Strong premium travel positioning within Desjardins lineup
- High redemption value with simple 1:1 BONUSDOLLARS structure
Worth noting
- High annual fee reduces value for low-spend users
- Category caps limit upside for heavy spenders
- Foreign transaction fee makes it weak for global spending
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🌍 Quebec Top Card
Up to 3% on groceries & restaurants, 2% on entertainment, alternative transport & travel. 1% else. BONUSDOLLARS.
How the rewards work
Dining, Groceries receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $4,350 in annual spending at that rate would equal the $130 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.