Desjardins · Visa · Desjardins BONUSDOLLARS
Reviewed 2026-07-06 · By The Points Standard editorial team
Desjardins Odyssey Visa Infinite Privilege
A genuinely strong top-tier card for Desjardins members, let down for everyone else by the fixed-value points ceiling and steep non-member fee.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 6.20/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $395 |
| Welcome bonus | No standing points welcome bonus confirmed — value comes from elevated ongoing BONUSDOLLARS rates rather than a signup tranche |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $450 |
Earn rates
| Restaurants, entertainment, alternative transportation | 4% |
| Groceries | 3% |
| Travel (capped at $25,000/year, then 1.5%) | 3% |
| Everything else | 1.5% |
Why it earns its score
- Top of the Desjardins Odyssey ladder with genuine Visa Infinite Privilege perks
- 12 annual lounge passes at the Desjardins Odyssey Lounge (Montreal-Trudeau)
- 4% BONUSDOLLARS on dining and entertainment is among the strongest flat rates in the market
- 24-hour concierge and automatic hotel/room upgrade programs
Where it loses points
- BONUSDOLLARS redeem only within the Desjardins travel portal at a fixed ~1¢ rate — no airline transfer partners
- Non-member fee ($395) is steep; best value is reserved for existing Desjardins members ($295)
- Best fit is Quebec-based Desjardins members, not a national travel-flagship contender
Who it's for
Desjardins members who spend heavily on dining, groceries, and travel and want the richest Odyssey tier's lounge access and concierge perks.
Who should skip it
You're not a Desjardins member — the $395 non-member fee is hard to justify against Amex Platinum or Scotiabank Passport Visa Infinite Privilege.
Included insurance
Travel medical · Trip cancellation/interruption · Flight delay · Rental car coverage · Mobile device insurance
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.