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Independent ClearFin review · Desjardins

Desjardins Odyssey Visa Infinite Privilege

Start with up to 70,000 BONUSDOLLARS welcome offer (varies by promotion), worth about $700.

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Independent comparisonFees includedCanadian card data
Annual fee
$395
Reward type
BONUSDOLLARS
Welcome offer
70,000 pts

Current new-cardmember offer

Insurance
Not listed

Confirm with the issuer

Desjardins Odyssey Visa Infinite Privilege💎 Premium BONUSDOLLARS
The ClearFin bottom line

💎 Premium BONUSDOLLARS

Its strongest published earn rate in our data is 4.0% on dining. The $395 annual fee should be weighed against the rewards and benefits you expect to use.

Checked 2026-08-09 · Official issuer catalogue

Welcome bonus

Up to 70,000 BONUSDOLLARS welcome offer (varies by promotion)

How to earn it

  • Initial BONUSDOLLARS bonus after first qualifying spend thresholdMeet minimum spend within first 3 months of account opening
  • Additional BONUSDOLLARS bonus after extended spend thresholdReach cumulative spend within first 12 months (if applicable under current offer)
Offer details

New cardholders who meet minimum spend requirements within defined promotional periods. Eligibility and bonus structure may vary based on channel and applicant profile.

How you earn

  • Up to 4% BONUSDOLLARS on eligible purchases depending on category
  • 4% on restaurants
  • 4% on entertainment
  • 4% on alternative transportation (taxis, transit, rideshare)
  • 3% on groceries
  • Up to 3% on travel purchases
  • 1.5% on all other purchases
  • BONUSDOLLARS redeemable at a fixed 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$395
Purchase interest11.9%
Cash advance interest12.9%
Foreign transaction fee2.5%
Income requirement$150,000Issuer approval criteria apply
Household income$200,000Alternative minimum
Recommended credit score740+ Good to Excellent (Prime + Super Prime Canada)

Approval is based on strong credit history, low utilization, and stable high-income or asset-backed financial profile. No fixed score is published, but this product is positioned for affluent, low-risk applicants with established credit depth.

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 an ultra-premium Visa Infinite Privilege product. Applicants must meet high income thresholds ($150,000 personal or $200,000 household) or asset qualification ($400,000+ AUM), reinforcing strict segmentation and low-risk underwriting. Credit behavior consistency and long credit history are heavily weighted.

Reward limits: Accelerated BONUSDOLLARS earn rates (up to 4% in select categories) are subject to annual spending caps. Once caps are reached, all additional purchases in those categories earn the base rate of 1.5%. Caps reset annually per account. Merchant category classification is determined by Visa MCC coding rules, which may vary by merchant processor.

Earning cap

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 eligible travel up to 60 consecutive days.

High-tier travel rewards (up to 4% BONUSDOLLARS)

Accelerated earn rates across dining, entertainment, transport, groceries, and travel categories with strong lifestyle spend capture.

Airport lounge access benefits

Includes complimentary Odyssey Lounge access and Visa Infinite Privilege lounge network perks with 12 annual passes across the account.

Concierge and luxury travel services

24/7 Visa Infinite Privilege concierge for travel planning, event bookings, and lifestyle assistance services.

Car rental privileges and insurance coverage

Discounted rental rates (up to 25%) plus collision and loss damage insurance when eligible rental conditions are met.

Mobile device and purchase protection

Coverage up to $1,500 for mobile device protection plus extended warranty and purchase protection on eligible items.

Tiered membership pricing advantage

Annual fee is $295 for Desjardins members and $395 for non-members, reflecting member-based pricing differentiation and loyalty structuring.

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

  • Top-tier rewards up to 4% in high-frequency lifestyle categories
  • Strong travel insurance coverage with up to 60-day protection
  • Premium travel perks including lounge access and concierge services

Worth noting

  • High annual fee ($295–$395 depending on membership status)
  • Foreign transaction fee of 2.5% reduces international efficiency
  • Category caps limit upside for high spend users
ClearFin analysis

Our detailed review

A practical reading of where the card earns, what the fee buys, and which limits matter.

💎 Premium BONUSDOLLARS

4% on restaurants, 3% on groceries, 4% on entertainment & alt transport, up to 3% travel. 1.5% else.

How the rewards work

Dining receive the strongest estimated return at 4.0%. Purchases outside the accelerated categories earn an estimated 1.5%.

What the annual cost means

Using the strongest estimated category return alone, roughly $9,900 in annual spending at that rate would equal the $395 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.

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.