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Desjardins Odyssey World Elite Mastercard review 

The Desjardins Odyssey World Elite Mastercard may be a good credit card option if you travel on a regular basis. 

Get 3% cash back on groceries, 2% at restaurants and entertainment and public transportation, and 1.5% back on all other purchases. One BONUSDOLLAR is equal to $1. You can spend BONUSDOLLARS on a variety of items, including rewards, gift cards, financial products and services, travel and show tickets. You can also use them to make charitable donations.
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$130

Annual Fee

Up to 3% cash back

Rewards

Please note: All information about Desjardins Odyssey World Elite Mastercard has been collected independently by Finder and this card is not available through this site.

With the Desjardins Odyssey World Elite Mastercard, you can access a wide variety of benefits, including comprehensive travel insurance, a concierge service, access to the Desjardins Odyssey Lounge, purchase protection, extended warranty and many other benefits. The card also has easy balance transfers and cash advances of up to $5000 per day

30-Second Take

  • Think about this card if you travel regularly and want to get benefits that are ideal for travellers
  • Chose a different card if you do not value travel benefits
  • You must have an annual income of at least $80,000 to get this card

The Basics

This credit card is an option for people who are looking for a lot of benefits that can be used by travellers and who want a low annual fee.

  • Interest rate. The interest rate for this credit card is 19.9%
  • Annual fee. The annual fee for the card is $130.
  • Extensive benefits for travellers. These benefits include comprehensive travel insurance for up to 60 days, insurance for your mobile device, identity theft assistance, emergency healthcare coverage, trip cancellation insurance and more.
  • Eight free passes per year to the Desjardins Odyssey Lounge. This lounge is located at the Montreal Trudeau Airport and offers free Wi-Fi, snacks and beverages.

The Perks

  • BONUSDOLLARS. BONUSDOLLARS are a type of cashback rewards program. Get 3% cash back on groceries, 2% at restaurants and entertainment and public transportation, and 1.5% back on all other purchases. One BONUSDOLLAR is equal to $1. You can spend BONUSDOLLARS on a variety of items, including rewards, gift cards, financial products and services, travel and show tickets. You can also use them to make charitable donations.
  • Comprehensive travel insurance. This card provides you and your family with comprehensive travel insurance for up to 60 consecutive days.
  • Access to the Desjardins Odyssey Lounge. With the Odyssey World Elite Mastercard by Desjardins, you get eight free passes to its luxury lounge in the Montreal Trudeau Airport. While you are waiting for your plane, you can enjoy free Wi-Fi, free snacks, free beverages and comfortable seating.
  • Rental car discount. Desjardins and Hertz are partners, which means that if you rent a car with Hertz and you are a Desjardins Odyssey World Elite Mastercard holder, you can get a discount of up to 25%
  • Free additional card for certain provinces. Depending on the province you live in, you may be eligible for an additional card free of charge.

What to watch out for

  • Annual fee. The annual fee for this credit card is $130
  • Additional credit card. An additional card will cost $40.
  • High interest rate. This card comes with an interest rate of 19.9%. This is higher than a lot of the alternatives for Canadian travel credit cards
  • Minimum income requirement. You won’t be able to get this credit card unless you are making over $80,000 a year.

Desjardins Odyssey World Elite Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate19.9%
Cash advance rate19.9%

What should I know before I apply

How to apply

You can apply for the Desjardins Odyssey World Elite Mastercard online and by phone.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine World Mastercard
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until January 31, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
20.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by April 30, 2023.
OFFER
Tangerine Money-Back Credit Card
15% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 15% cash back (up to $150) when you spend $1,000 in the first 2 months Until January 31, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 26.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
12.99%
$0 annual fee for the first year ($20 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $20 annual fee waived in the first year.
RBC ION+ Visa
12,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Earn 12,000 Avion points when you get approved for the card. Apply by April 3, 2023.
RBC ION Visa
6,000 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Earn 6,000 Avion points when you get approved for the card. Apply by April 3, 2023.
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.
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Bottom Line

If you regularly travel internationally, then this could be a solid option for a travel credit card, although the interest rate is higher than some of the alternatives, such as the Odyssey Visa Infinite Privilege card. However, the minimum annual income requirement is lower, so the Odyssey World Elite Mastercard is more attainable, even though you have to pay a higher interest rate.

Frequently asked questions about the Desjardins Odyssey World Elite Mastercard.

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