desjardins odyssey world elite mastercard

Desjardins Odyssey World Elite Mastercard

3.5/5

Apply Now

desjardins odyssey world elite mastercard

Desjardins Odyssey World Elite Mastercard

Apply Now

Rewards Calculator Algorithm

You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.

Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Linked Credit Cards

Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.

Card Details

Interest Rates

Cash Advance: 21.90%

Purchase: 20.90%

Balance Transfer: 21.90%

Annual Fee

$130

Annual Income

Personal: $80,000

Household: $150,000

Credit Score

Very Good

Welcome Bonus

N/A

Card Type

Category: Points

Our Rating

3.5/5

Institution

Desjardins

Rewards


  • 3% cash back on grocery purchases
  • 2% cash back on restaurant, entertainment, and public transit
  • 1.5% cash back on all other purchases

Calculating reward breakdowns

Insurance & Benefits


Insurance

Coverage

  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • mobile device insurance

    Mobile Device Insurance

    $1,500
  • cancel airplane

    Trip Cancellation

    $500
  • pause

    Trip Interruption

    no limits
  • travel accident medical

    Emergency Out of province Medical

    60 days
  • travel accident medical

    Emergency Medical Over 65

    15 days
  • hourglass timer

    Baggage Delay

    $1,000
  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • car insurance

    Car Rental Damage & Theft

    Yes

Benefits

Details

  • alcohol cheers

    Airport Lounge - Desjardins Odyssey

    8 free passes per year
  • car rental

    Car Rental Discount

    25% off base rate off Hertz car rental
  • car rental

    Car Rental Discount

    10% off base rate off Thrifty or Dollar rental
  • wifi signal

    Boingo Wi-Fi hotspot

    over 1 million Boingo Wifi hotspots worldwide

Pros & Cons


Pros

  • High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
  • Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
  • Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
  • World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.

Cons

  • No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
  • High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
  • Limited Branch Access: Physical branches are only available in Quebec and Ontario.

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