Desjardins · Mastercard · Desjardins BONUSDOLLARS
Reviewed 2026-07-06 · By The Points Standard editorial team
Desjardins Odyssey World Elite Mastercard
A reasonably priced World Elite card for Desjardins members based in or flying through Quebec. The points ceiling and single-airport lounge limit its appeal outside that footprint.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.33/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $130 |
| Welcome bonus | No standing points welcome bonus confirmed — value comes from ongoing BONUSDOLLARS rates rather than a signup tranche |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $260 |
Earn rates
| Groceries (capped at $10,000/year) | Up to 3% |
| Restaurants (capped at $6,000/year) | Up to 3% |
| Entertainment, alternative transportation | 2% |
| Travel (capped at $20,000/year) | Up to 2% |
| Everything else | 1% |
Why it earns its score
- 8 complimentary annual passes to the Desjardins Odyssey Lounge at Montreal-Trudeau (YUL)
- Requires $80,000 personal or $150,000 household income — genuine World Elite eligibility
- Comprehensive travel insurance up to $5,000,000 emergency medical
Where it loses points
- BONUSDOLLARS redeem only within the Desjardins ecosystem at a fixed ~1¢ rate — no airline transfer partners
- No confirmed welcome bonus, unusual for a $130 travel card in this market
- Lounge access limited to a single Montreal airport
Who it's for
Desjardins members who fly through Montreal-Trudeau and want World Elite travel insurance at a modest fee.
Who should skip it
You're not a Desjardins member, or you don't transit YUL — the lounge access has no value elsewhere.
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.