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  • $130 Annual fee
  • $0 Welcome Bonus
  • 3% Rewards Rate
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Desjardins Odyssey World Elite Mastercard Overview

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The Desjardins Odyssey World Elite Mastercard is a card that comes with numerous travel perks, a reward program, and insurance coverage.

However, this card also comes with a steep minimum income requirement, an annual fee of $130, and an interest rate of 19.90%. This analysis will reveal whether or not this card is suitable for your needs.

Pros and cons of the Desjardins Odyssey World Elite Mastercard

Pros of the Desjardins Odyssey World Elite Mastercard

  • Travel Insurance
  • Car insurance
  • Lounge access at many airports
  • Zero liability on fraudulent credit card activities

Cons of the Desjardins Odyssey World Elite Mastercard

  • Requires minimum annual personal income of $80,000 or household income of $150,000
  • High interest rate of 19.90%
  • No welcome bonus

Is Desjardins Odyssey World Elite Mastercard right for you? Our verdict

The Desjardins Odyssey World Elite Mastercard is good for travellers and car owners. That’s because this group of people would benefit more from its rewards program, its travel insurance, and its car insurance coverage.

Desjardins Odyssey World Elite Mastercard rewards

  • Earn 3% on grocery purchases and 2% on entertainment purchases in BONUSDOLLARS
  • Earn 2% on alternative transportation, 2% on restaurants, and 1.5% on all other purchases in BONUSDOLLARS

Perks of using Desjardins Odyssey World Elite Mastercard

  • Access to over 1300 airport lounges
  • Insurance will cover you for up to 60 days straight if you’re travelling.
  • Over a million Boingo Wi-Fi hotspots are at your disposal
  • Lounge access at Montréal-Trudeau Airport
  • Earn cashback through Mastercard Travel Rewards
  • 25% discount at all Hertz, Dollar, and Thrifty car rentals
  • Loss damage insurance
  • Auto rental collision insurance
  • Mobile device insurance of up to $1,500
  • Extended warranty and purchase protection for mobile devices
  • Cash advances of up to $5,000
  • Credit card bills typically have a 21-day grace period for payment.
  • Overdraft transfer
  • Credit balance insurance
  • Desjardins Identity Protection program
  • Zero liability when fraudulent transactions are made using your card
Desjardins Odyssey World Elite Mastercard - comparewise

Desjardins Odyssey World Elite Mastercard fees

  • $130 annual fee
  • Extra card: Non-Desjardin members pay $40, while Desjardin members don’t pay any annual fees
  • 2.50% conversion fee to convert all foreign currency transactions

Desjardins Odyssey World Elite Mastercard interest rates

  • 19.90% for cash advances
  • 19.90% for regular purchases

How to use Desjardins Odyssey World Elite Mastercard

Canadian residents are the only people allowed to use the Desjardins Odyssey World Elite Mastercard. This card requires the bearer to be of legal age in their country or state.

Owners of cards must earn at least $80,000 per year in personal income and $150,000 per year in household income. Owners of this card are also expected to have an active file with the Canadian credit bureau.

The Desjardins Odyssey World Elite Mastercard can be used when purchasing online or over the counter. This card can be used in physical restaurants, cinemas, grocery stores, and many other areas.

To use this card, you’ll have to swipe it over a card reader or insert it into the reader. If you’re making your purchase online, you can enter your card’s personal information to use it online.

Alternatives to Desjardins Odyssey World Elite Mastercard

If Desjardins Odyssey World Elite Mastercard isn’t a good option, you can try the cards below:

Desjardins Odyssey World Elite Mastercard Vs. Cash Back Mastercard

Both cards offer the same interest rate. However, the Cash Back Mastercard has no annual fee. The Cash Back Mastercard offers no reward programs, but it offers 2% cashback on most of your purchases.

There’s no minimum annual income requirement for using the Cash Back Mastercard, nor are there any fees for additional cards. The Cash Back Mastercard offers lower cash advances of $2,500 and no travel perks.

Desjardins Odyssey World Elite Mastercard Vs. Cash Back Visa

The interest rates for both cards are the same, but the Cash Back Visa has no annual fees. The Cash Back Visa doesn’t offer a rewards program, but it offers 2% cashback on most purchases.

The Cash Back Visa has no income restrictions; therefore, anyone can apply for one. The Cash Back Visa allows you to receive a smaller cash advance of $2,500 and repay it over time.

Desjardins Odyssey World Elite Mastercard Vs. Cash Back World Elite Mastercard

Although the interest rates of both cards are similar, the annual fee for the Cash Back World Elite Mastercard is lower at $100.

The Cash Back World Elite Mastercard offers cashbacks on most purchases, but it has no reward programs. The grace period, cash advances, purchase protection, insurance, and car rental discounts are all the same for both cards.

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FAQs about the Desjardins Odyssey World Elite Mastercard

Is the Desjardins Odyssey World Elite Mastercard hard to get?

The Desjardins Odyssey World Elite Mastercard is hard to get, as it requires an annual personal income of $80,000. So, you can’t get it if you’re not a high earner.

How much does the Desjardins Odyssey World Elite Mastercard cost?

The Desjardins Odyssey World Elite Mastercard comes with an annual fee of $130.

Is the Desjardins Odyssey World Elite Mastercard worth it?

Yes, the Desjardins Odyssey World Elite Mastercard is worth it, as it offers travel perks, card rental perks, insurance perks, and other benefits.

Desjardins Odyssey World Elite Mastercard Details

Provider
Desjardins
Network Provider
Mastercard
Card Type
Rewards
Rewards Type
Travel
Annual Fee
$130
Purchase Interest Rate
19.9%
Cash Advance Rate
19.9%
Credit Needed
Good (660 - 724)
                                                                                                                    

Desjardins Odyssey World Elite Mastercard Offices

Phone Number
1-800-363-3380
Hours
Monday to Friday, 7 AM to 11 PM, Saturday and Sunday, 8:30 AM to 8:00 PM
Website
Address
100 Rue des Commandeurs Lévis QC G6V 5C1 Canada
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Desjardins Odyssey World Elite Mastercard Card Details
  • Min. Credit :
    Good (660 - 724)
                                                                    
  • Card Type : Rewards
  • Reward Type : Travel
  • Providers : Desjardins
  • Network Provider : Mastercard
Desjardins Odyssey World Elite Mastercard Social Media
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