Desjardins Odyssey Gold Visa Card Review

Get ready to explore the world with confidence and peace of mind with the Desjardins Odyssey Gold Visa Card.

The Desjardins Odyssey Gold Visa is more than just a safety net; it’s a rewarding financial tool for your everyday life. With the flexible BONIDOLLARS rewards program, your daily purchases—from dining out at your favourite local spots to paying your recurring bills—accumulate to help fund your future travels and more. 

With valuable perks like car rental discounts and lounge access, this card is your golden ticket to a more secure and rewarding travel experience. It’s time to pack your bags and let your credit card handle the rest!

CREDIT CARD

Desjardins Odyssey Gold Visa

up to 2% BONUSDOLLARS Lounge access

APPLY NOW You will be redirected

Ways to Benefit: Your Golden Ticket to Travel & Rewards

The Desjardins Odyssey Gold Visa Card offers a remarkable suite of benefits, with a primary focus on providing an exceptional travel insurance package.

1. Exceptional Travel Medical Insurance: This is the card’s crown jewel. Travel with unparalleled peace of mind thanks to emergency healthcare coverage of up to $5 million per person for trips up to 60 consecutive days (coverage duration varies by age). This robust protection is far more extensive than what is offered by most other credit cards.
2. Comprehensive Trip Cancellation & Interruption Insurance: Protect your travel investments from unforeseen events. You are covered for up to $2,500 per person for trip cancellation before you depart, and unlimited coverage for trip interruption after you’ve left, ensuring you’re not out of pocket if plans go awry.
3. Extensive Baggage Coverage: Say goodbye to luggage worries. This card provides coverage up to $1,000 per person for lost or damaged baggage and up to $500 per person if your bags are delayed for more than six hours, allowing you to purchase essentials and continue your trip with less stress.
4. Unique Intergenerational Coverage: Travel with your entire family! A standout feature of this card is that its travel insurance benefits extend to cover your dependent grandchildren when they are travelling with you, a rare perk that offers incredible value for family vacations.
5. Rewarding BONIDOLLARS® Program: Earn up to 2% of your purchases in BONIDOLLARS®. You’ll get 2% back on eligible restaurant, entertainment, alternative transportation, and pre-authorized payment purchases, and 1% on all other spending, making both your lifestyle and essential expenses rewarding.
6. Valuable Car Rental Discounts & Perks: Hit the road for less and with more benefits. Enjoy discounts of up to 25% at Hertz and up to 10% at Thrifty and Dollar car rentals. Perks at Hertz can also include no young driver surcharge and no fee for additional drivers.
7. Desjardins Odyssey Lounge Access: Enhance your pre-flight experience. As a cardholder, you receive a 50% discount on the regular entrance fee at the exclusive Desjardins Odyssey Lounges at Montréal-Trudeau International Airport, where you can relax with complimentary snacks, beverages, and Wi-Fi.
8. Accord D Financing: For larger purchases, this card offers a flexible payment solution. Accord D financing allows you to pay for significant purchases of $200 or more in smaller, equal installments at participating merchants, helping you manage your budget for big-ticket items.

Who Can Apply: Eligibility Criteria

The eligibility requirements for the Desjardins Odyssey Gold Visa Card are designed to be accessible to a broad range of residents in Barrie and across Canada.

• Age of Majority: You must have reached the age of majority in Ontario, which is 18 years old.
• Canadian Resident: You must be a permanent resident of Canada.
• No Minimum Income Requirement: This card does not have a stated minimum annual income requirement, making it a great option for those who want premium travel insurance without needing a high income.
• Good Credit Score: While no minimum score is officially published, a good credit history is essential. Third-party reviewers often suggest a credit score of 725 or higher is recommended for a strong chance of approval. Desjardins will perform a credit check as part of the application process.

How to Apply: Your Steps to a World of Protection

Applying for the Desjardins Odyssey Gold Visa Card is a simple online process.

1. Visit the Desjardins Website: Navigate to the credit card section on the official Desjardins website (desjardins.com).
2. Select the Card: Find the Desjardins Odyssey Gold Visa Card and click to view its detailed information.
3. Review the Details: Carefully read through the card’s features, especially the comprehensive insurance policies, the rewards structure, the annual fee, and other terms and conditions.
4. Click “Apply Now”: Start the secure online application form.
5. Provide Your Information: Be prepared to fill out the application with your personal details (name, date of birth, address, SIN), as well as your employment and income information.
6. Consent to a Credit Check: As part of the application, you must agree to allow Desjardins to perform a credit check.
7. Review and Submit: Double-check all your information for accuracy before submitting your application.
8. Await a Decision: You may receive an instant decision online. If not, Desjardins will notify you of their decision within several business days.

Frequently Asked Questions (FAQ)

1. What is the annual fee for this card?
   The annual fee is $110.
2. What is the main advantage of this card?
   Its primary advantage is the exceptional and comprehensive travel insurance package, offering coverage for up to 60 days, which is much longer than most competitor cards.
3. Can I get cash back with this card?
   You cannot redeem BONIDOLLARS for a direct cash back credit to your account balance. However, you can apply them as a credit against eligible purchases (like travel or dining), which has a similar effect.
4. Can I use this card at Costco?
   Yes, Costco warehouses in Canada accept Visa, so you can use this card for your purchases there and earn 1% in BONIDOLLARS.

CREDIT CARD

Desjardins Odyssey Gold Visa

up to 2% BONUSDOLLARS Lounge access

APPLY NOW You will be redirected