What benefits do I get with a BMO eclipse Visa Infinite Privilege* Card?

With a BMO eclipse Visa Infinite Privilege* Card, you benefit from no foreign transaction fees, 10 airport lounge passes per year, a $200 Travel Credit, plus 5x the points on travel, gas, groceries, health and wellness, and dining.

What are the minimum income requirements for this card?

Your minimum annual income should be $150,000 (individual) or $200,000 (household). If you don't meet the income requirements, you could also qualify if you have $50,000 total spend within the last 12 months on all your other credit cards collectively, a minimum spend of $4,170 per month on application.

What are foreign fees?

Most banks charge a 2.5% foreign transaction fee on purchases made in a foreign currency. With a BMO eclipse Visa Infinite Privilege* Card, you won’t be charged this fee, however the exchange rate still applies.

How do I book my lounge visit?

To book your lounge visit ahead of time, you’ll need to register for the Visa Airport Companion Program via the Visa website or the app. Once you’re registered, search for your desired airport and lounge to secure your spot.

What are the eligibility requirements for applying for this card?

Be a permanent Canadian resident Have not declared bankruptcy in the past seven years Have reached the age of majority in the province in which you live (18 years in AB, MB, ON, PE, QC and SK, and 19 years in all other provinces) Meet the minimum income requirements

What information do I need to apply for this card?

You’ll need to share a few things to open an account online, including your name, date of birth, contact info, SIN, address, employment status, income source(s), rent or mortgage amount, and what you’ll be using the account for.

Is my application secure?

Yes, your application is secure. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps. Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

Can I set up a BMO PaySmart installment plan with this card?

Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account. To get started, simply login and follow these steps for recent eligible credit card purchases of $100 CAD or more: 1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan. 2. Go to the Installment Plan tab and select Create. 3. Select the plan that works best for you.

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NO FX FEES

BMO eclipse Visa Infinite Privilege* Card

Travel and shop in style, whether you’re abroad or at home, with no foreign transaction fees and 5x the points on eligible purchases.

Welcome offer

Minimum $150,000 (individual) or $200,000 (household) annual income required.

Your rates at a glance

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annual fee⁸

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for purchases⁸
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for cash advances⁸

Best-in-class travel features

No foreign transaction fees
- Enjoy greater savings with no foreign transaction fees when you travel and shop globally⁸³

up to $400 in credits
- Get a $200 Travel Credit every year⁵⁵
- Up to $200 NEXUS Statement Credit in your first year⁵²
10 airport lounge passes
- Get a Visa Airport Companion Pass Membership, including 10 lounge passes per year – valued at more than $350 US currency⁵⁷
- Access to 1,200 lounges worldwide
- Book ahead of time to skip the line

Earn and redeem your way

Five times on travel
Earn 5 points for every $1 spent on flights, hotels and car rentals.⁵³
Five times on gas and groceries
Earn 5 points for every $1 spent on everyday essentials.⁵³
NEW Five times on health and wellness
Earn 5 points for every $1 spent on gym and golf club memberships, spa services and more.⁵³
Five times on dining
Earn 5 points for every $1 spent on dinner, drinks and takeout.⁵³

Plus, earn 1 point for every $1 spent everywhere else – you deserve it.⁵⁶

Earn 25% more points with an additional cardholder.⁵⁴

Book travel with any provider
Use your points to cover flights, hotels, car rentals, vacation packages and cruises – 150 points = $1.⁶⁴
Shop our catalogue
Treat yourself to gift cards and merchandise from brands like Apple, Dyson, Breville and more.
Invest in your future
Turn your points into future savings when you make a cash deposit into an eligible financial product.

Explore BMO Rewards

Feel the difference

Experience the premium metal card that combines substance and style – timeless, distinctive and built to last.

More benefits, more value

Your coverage includes:
- Out-of-province and out-of-country emergency medical insurance up to $5 million per insured person, per trip – up to 22 consecutive days
- Common carrier insurance
- Rental car collision loss damage insurance
- Trip cancellation and trip interruption insurance
- Flight delay insurance
- Baggage insurance – lost, stolen, damaged or delayed baggage
- Hotel burglary insurance
Review the BMO eclipse Visa Infinite Privilege* Certificate of Insurance⁹⁷ for terms of use and coverage. 
Top-up insurance
With BMO Travel Insurance, you can top up your coverage for longer trips and boost your benefits for added protection beyond your existing plan.
Mobile Device Insurance
Get up to $1,000 of protection against loss, theft or accidental damage of your smartphone, cellular phone or tablet, anywhere in the world if the device is purchased in full with your card or, if financed through a fixed term contract with a Canadian wireless service provider and all recurring wireless bill payments are charged to your card.⁹⁷
Extended Warranty Insurance
Triples the original manufacturer’s warranty period on items purchased up to a maximum of two years when you charge the full purchase price to your card.⁹⁷
Purchase Security Insurance
Covered items purchased in full with your card are automatically insured against theft or damage for the first 120 days from date of purchase.⁹⁷
No foreign transaction fees
Travel and shop globally without the 2.5% foreign transaction fee on eligible purchases.⁸³
$200 Travel Credit
Unforgettable adventures are within reach when you use your $200 Travel Credit every year on a qualifying travel purchase of $500 or more.⁵⁵
$200 NEXUS Statement Credit
Apply for NEXUS and get up to $200 back. This credit is only available in your first year.⁵²
Earn 25% more points on all purchases when you add a cardholder to your account. A $99 fee applies for each additional cardholder.⁵⁴
Get up to 30% off Avis^® car rental base rates when you prepay with your BMO eclipse Visa Infinite Privilege* Card. Or get a minimum 10% off the base rate when you book with your card.⁸⁰^,⁸¹ Book with Avis^®.
Get up to 35% off Budget^® car rental base rates when you prepay with your BMO eclipse Visa Infinite Privilege* Card. Or get a minimum of 10% off the base rate when you book with your card.⁸⁰^,⁸¹ Book with Budget^®.
Enjoy a Visa Airport Companion membership and 10 complimentary airport lounge visits per year – valued at more than $350 USD. Enrollment is required. Enroll via the Visa Airport Companion website or through the Visa Airport Companion App.⁵⁷
Get Priority Security Lane, airport parking and valet service discounts at select Canadian airports.⁵⁸
Get access to the Visa Infinite Luxury Hotel Collection and enjoy exclusive benefits (like free breakfast).⁵⁹
Enjoy unique dining and wine events with Visa Infinite Dining Series and Visa Infinite Wine Country.⁶¹
Connect to the Visa Infinite Concierge – it’s like having a personal assistant on call.⁵⁸
Get the Troon Rewards^® Golf benefits and enjoy discounts at 95 resorts and courses around the world, plus select private clubs across the U.S.⁷⁴
Visit the Visa Infinite website to find the full list of benefits. Enroll to get emails and to be the first to know about exclusive offers and experiences.
Save on groceries and more with six months of Instacart+ and a $10 monthly Instacart credit when you enroll your BMO eclipse Visa Infinite Privilege* Card.¹²⁰
Visa Secure Enjoy an additional layer of security on all online purchases with Visa Secure. It safeguards cardholders if there is any monetary loss resulting from fraudulent card use. 
BMO Alerts Manage notifications for credit card transactions, large purchases, international use and more via BMO Digital Banking or BMO Mobile Banking.
Card lock and unlockYou can lock and unlock your card instantly via BMO Digital Banking or BMO Mobile Banking.
Lost and stolen reportingReport your card lost or stolen and request a new one via BMO Digital Banking or BMO Mobile Banking.

BMO Rewards calculator

Find out how many BMO Rewards points you could earn with the BMO eclipse Visa Infinite Privilege^{footnote star *} Card.

Estimate your monthly spending

Travel, gas, groceries, health and wellness, and dining (earn 5x the points for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $15,000

All other purchases (earn 1 point for every $1 spent):

Slider increases or decreases the dollar amount based on the direction it is moved in

Minimum $0Maximum $15,000

See your BMO Rewards points multiply when you add additional cardholders.

Your first year BMO Rewards points total:

Your first year B M O Rewards points total: 0 Yearly breakdown: Bonus points: 0 Travel, gas, groceries, health and wellness, and dining: 0 All other purchases: 0 0

Bonus points:

Travel, gas, groceries, health and wellness, and dining:

All other purchases:

Use of the reward calculator is for illustrative purposes only. Values displayed valid as of March 6, 2024.

Use your BMO Rewards points to treat yourself to something big – or something small. They’re yours to use however you like.

You could redeem 42,000 points for dinner for two at a nice restaurant.

OR redeem those points on a variety of everyday treats, such as:

2,400 points for lattes for you and a friend
12,600 points for a monthly gym membership
16,800 points for a spa treatment

Minimum $150,000 (individual) or $200,000 (household) annual income required.

How to Pay with Points

Treat yourself with BMO Rewards and Pay with Points. Perfect for life’s little pleasures like your morning flat white, tickets to a matinee or a bouquet of flowers just because.

1. Sign into bmorewards.com and select the Pay with Points tab.

2. Browse your recent transactions and select which eligible purchase you want to redeem points for.

3. Choose how many points you would like to redeem toward your purchase - you can redeem your points for as little as $1!⁶⁴

Digital features and security at your fingertips