Quels sont les frais annuels de la carte Desjardins Odyssey Visa Infinite Privilege?

La carte Desjardins Odyssey Visa Infinite Privilege comporte des frais annuels de 395 $.

La carte Desjardins Odyssey Visa Infinite Privilege en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 187 $ en récompenses annuelles nettes après les frais annuels et 187 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Desjardins Odyssey Visa Infinite Privilege rapporte-t-elle?

1.5% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route; 3% BONUSDOLLARS on eligible groceries; 4% BONUSDOLLARS on eligible dining; 4% BONUSDOLLARS on eligible entertainment; 4% BONUSDOLLARS on eligible transit.

Quel est le taux d’intérêt de la carte Desjardins Odyssey Visa Infinite Privilege?

Le taux d’intérêt sur les achats est de 11,9 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Desjardins Odyssey Visa Infinite Privilege

Desjardins

Desjardins BONUSDOLLARS

Accumulation des récompenses

groceries: 0.03 points / $1

Frais annuels: 395,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 187 $
Valeur la première année: 187 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 395,00 $

Cartes supplémentaires : 95,00 $

Taux d’intérêt

Achats : 11,9 %

Avances de fonds : 12,9 %

Revenu annuel

Personnel : 150 000 $

Ménage : 200 000 $

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Voyages

Récompenses

Programme : Desjardins BONUSDOLLARS

Émetteur

Desjardins

Revenu personnel exigé : 150 000 $; approbation de l’émetteur requise.

L’approbation est à la discrétion de l’émetteur.

Comment vous accumulez des récompenses

1.5% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route
3% BONUSDOLLARS on eligible groceries
4% BONUSDOLLARS on eligible dining
4% BONUSDOLLARS on eligible entertainment
4% BONUSDOLLARS on eligible transit
3% BONUSDOLLARS on eligible travel
Separate calendar-year $25000 cap, then 1.5%

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

187,00 $

récompenses annuelles nettes

Récompenses annuelles nettes: 187,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	582,00 $
Frais annuels	− $395.00
Récompenses annuelles nettes	187,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

Native units are BONUSDOLLARS, not ordinary points: 1 BONUSDOLLAR=$1. Minimum20BONUSDOLLARS per redemption; account good standing. This exact Privilege variant permits card account-credit redemption. Other routes and insurance limits are excluded. Temporary redemption maintenance October12–20,2026.

Illustrative annual rewards: 462,00 $
Frais annuels habituels: 395,00 $
Illustrative net ongoing value: 67,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Desjardins eligible groceries. This is part of your existing spending.
Enter monthly Desjardins eligible dining. This is part of your existing spending.
Enter monthly Desjardins eligible entertainment. This is part of your existing spending.
Enter monthly Desjardins eligible transit. This is part of your existing spending.
Enter monthly Desjardins eligible travel. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Desjardins Odyssey Visa Infinite Privilege

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption methodYou qualify for the Desjardins-member annual fee of $295 for the full modeled year; otherwise $395 non-member fee applies.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Desjardins eligible groceries · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $500/month; remaining: $500/month.Desjardins eligible dining · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $200/month; remaining: $200/month.Desjardins eligible entertainment · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $100/month; remaining: $100/month.Desjardins eligible transit · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $80/month; remaining: $80/month.Desjardins eligible travel · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 187,00 $
Valeur la première année: 187,00 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Dining, entertainment and transit4 %back in Desjardins BONUSDOLLARS
Épicerie3 %back in Desjardins BONUSDOLLARS
VoyagesUp to $25,000 a year (shared)3 %back in Desjardins BONUSDOLLARS
Tout le reste1,5 %back in Desjardins BONUSDOLLARS

Earning rules and limits

Annual fee is $295 for Desjardins members and $395 for non-members.
Travel accelerated earning applies to the first $25,000 in annual travel purchases, then 1.5%.
Issuer travel-category conditions and BONUSDOLLARS redemption terms apply.

Redemption methods

BONUSDOLLARS account credit
$1 per dollar
Fonctionnement
- Account good standing.
- This exact Privilege variant permits card account-credit redemption.
- Temporary redemption maintenance October 12–20, 2026.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

5 assurances1 avantage

AssurancesCouverture

Protection des achats50 000 $
$50,000 per account / year; $10,000 per item for specified goods
180 days from purchase
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée10 000 $
Full eligible item cost; $10,000 limit for jewellery, gems, watches and furs
Triples manufacturer warranty; up to 2 additional years
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply. Original warranty valid in Canada; manufacturer warranty eligibility limits, closure and exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 500 $
Up to $1500 after depreciation and applicable deductible
Later of 30 days after purchase or first billed payment; ends by 2 years from purchase
Full device cost, or all upfront/financed plan bills, charged to card. New or qualifying manufacturer/provider refurbished device; 2% monthly depreciation. One claim/12 months and two/48 months across covered accounts; missing required bill payment ends cover.
Issuer terms (opens new tab)
Not counted in this estimate
Collision ou dommages au véhicule de locationVéhicules jusqu’à 85 000 $
Eligible vehicle MSRP at most $85,000 excluding taxes; actual loss per certificate
Maximum 48 consecutive rental days
Book and pay full rental with card, rental in cardholder name; decline CDW where permitted. If agency waiver is required or chosen, certificate deductible coverage may apply. Eligible vehicles only, one rental at a time; notify insurer within 48 hours. No third-party liability.
Issuer terms (opens new tab)
Not counted in this estimate
Travel insurance for trips up to 60 daysInclus
Issuer terms (opens new tab)
Not counted in this estimate

AvantagesDétails

12 annual passes per account to the Desjardins Odyssey Lounge in MontréalInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

1.5% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route
5 types d’assurance inclus

Points faibles

Frais annuels de 395 $
Revenu personnel de 150 000 $ requis
Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

Travel accelerated earning applies to the first $25,000 in annual travel purchases, then 1.5%; issuer travel-category conditions and BONUSDOLLARS redemption terms apply.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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