The BMO Eclipse Visa Infinite Privilege Card is your gateway to elevated rewards, exclusive travel benefits, and financial flexibility. Designed for high-income earners, this luxury credit card offers unmatched earning potential and lifestyle perks for Canadians who love to make the most out of everyday spending.
Key Features at a Glance
- Annual Fee: $499
- Supplementary Card Fee: $99 per card
- Interest Rates:
- Purchases: 20.99%
- Cash Advances: 23.99% (21.99% in Quebec)
- Eligibility Requirements:
- Minimum individual income: $150,000
- Minimum household income: $200,000
Reward Earning Potential
5X Points Categories
Earn 5 BMO Rewards points per $1 spent on:
- Groceries: Every trip to the store earns you more.
- Dining: From fine dining to takeout and drinks.
- Gas: Make fueling up more rewarding.
- Drugstore Purchases: Elevate your everyday essentials.
- Travel: Reward your wanderlust with points.
1X Points on Everything Else
Earn 1 point per $1 spent on all other purchases.
Exclusive Benefits
Annual Lifestyle Credit
- Enjoy a $200 credit every year to spend however you like.
Visa Infinite Privilege Perks
- Airport Lounge Access:
- 6 complimentary visits per year through the Visa Airport Companion program.
- Valued at over $250 USD annually.
- Priority Security Lanes and Parking Discounts:
- Save time and money at select Canadian airports.
- Visa Infinite Luxury Hotel Collection:
- Access exclusive benefits like complimentary breakfast and late checkout.
- Concierge Services:
- Personalized assistance for dining, travel, and events.
- Unique Experiences:
- Visa Infinite Dining Series and Wine Country Events for curated culinary and wine adventures.
- Troon Golf Rewards:
- Discounts at 95+ golf resorts worldwide.
Insurance Coverage
- Travel Protection:
- Out-of-Province/Country Emergency Medical Insurance
- Trip Cancellation and Interruption Insurance
- Flight and Baggage Delay Insurance
- Car Rental Collision/Loss Damage Insurance
- Purchase Protection:
- Coverage for eligible purchases against theft or damage.
- Extended warranty for eligible items.
- Mobile Device Insurance:
- Up to $1,000 coverage for loss, theft, or damage to new devices.
BMO Rewards Program
- Redeem Points for:
- Travel: Flights, hotels, car rentals, and vacation packages.
- Merchandise: Electronics, gift cards, and more.
- Statement Credits: Cover purchases as low as $1 using points.
How to Redeem Points
- Sign in to bmorewards.com.
- Select “Pay with Points.”
- Redeem your points for eligible purchases.
Additional Perks
- 25% More Points with an Authorized User:
Add an authorized user to your account and boost your points on all purchases. - Fuel Savings:
Save up to 7 cents per litre at Shell® stations across Canada. - BMO PaySmart Installment Plans:
Convert purchases into smaller, manageable payments.
Who Should Get This Card?
The BMO Eclipse Visa Infinite Privilege Card is perfect for:
- High-income earners looking for maximum rewards on everyday spending.
- Frequent travelers who value lounge access and travel insurance.
- Lifestyle enthusiasts who enjoy exclusive dining, wine, and golf experiences.
- Anyone seeking flexible redemption options for travel, merchandise, and more.
How It Compares
Feature | BMO Eclipse Visa Infinite Privilege | BMO World Elite Mastercard | RBC Avion Visa Infinite Privilege |
---|---|---|---|
Annual Fee | $499 | $150 | $399 |
Welcome Bonus | Up to 120,000 BMO Rewards Points | Up to 70,000 BMO Rewards Points | Up to 70,000 Avion Points |
Rewards Rate | 5X on key categories; 1X on everything else | 3X on travel; 2X on dining | 1.25X on all purchases |
Lounge Access | 6 visits/year via Visa Airport Companion | None | 6 visits/year via DragonPass |
Insurance Coverage | Comprehensive | Comprehensive | Comprehensive |
Final Thoughts
The BMO Eclipse Visa Infinite Privilege Card is a premium choice for Canadians seeking exceptional rewards, flexible redemption options, and travel perks. Whether you’re earning 5X points on groceries and dining or enjoying exclusive Visa Infinite experiences, this card ensures that every purchase feels rewarding.
Apply today to unlock luxury benefits and start making every moment extraordinary!
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