Overview
The BMO eclipse Visa Infinite Privilege is BMO's most premium personal credit card — designed for high-income, high-spending Canadians who want maximum earning power and luxury perks. It earns 5x BMO Rewards points per $1 on an impressive five bonus categories: groceries, dining (in and out), drugstores, gas, and travel. On everything else, you earn 5 BMO Rewards points per $1.
At $599/year, this is a serious commitment — but the perks match the price tag. The up to 200,000-point welcome bonus (~$1,333 in travel) is one of the largest in Canada, and the ongoing benefits include a $200 annual lifestyle credit, 6 airport lounge visits per year, up to $200 in NEXUS credits, and 25% bonus points for adding an authorized user. The travel insurance package is comprehensive: $5 million emergency medical (22 days), trip cancellation/interruption, flight delay ($1,000), baggage, and hotel burglary coverage.
You also get the full suite of Visa Infinite Privilege perks: Luxury Hotel Collection, Concierge, Dining Series, Wine Country events, priority security lanes, and Troon Rewards Golf benefits.
Welcome Offer
BMO is offering up to $2,300 in total first-year value:
- 80,000 BMO Rewards points after spending $6,000 in the first 110 days
- 40,000 BMO Rewards points after spending at least $30,000 in the first 6 months
- 80,000 BMO Rewards points after spending at least $75,000 in the first year
- Up to $200 NEXUS statement credit in the first year
- $200 anniversary lifestyle credit
- 0% introductory interest rate on balance transfers for 12 months (2% transfer fee)
That's up to 200,000 bonus points (~$1,333 in travel value) plus $400 in credits.
How to Earn
The BMO eclipse Visa Infinite Privilege has one of the broadest 5x earning structures in Canada:
| Category | Earn Rate |
|---|---|
| groceries. Bon appétit!53 | 5 BMO Rewards points per $1 spent |
| fine dining, Friday night drinks and takeout.53 | 5 BMO Rewards points per $1 spent |
| gas.53 | 5 BMO Rewards points per $1 spent |
| healthcare, beauty and other drugstore purchases.53 | 5 BMO Rewards points per $1 spent |
| travel.53 | 5 BMO Rewards points per $1 spent |
| every $1 spent): | 5 BMO Rewards points per $1 spent |
Bonus: Add an authorized user ($99/year) and earn 25% more points on all purchases — both yours and theirs.
How to Redeem
BMO Rewards points can be redeemed for:
- travel.53 — flights, hotels, car rentals, cruises, and vacation packages with any travel provider (150 points = $1)
- Pay with Points — apply points directly to statement purchases
- Savings & investments — redeem points as a contribution to a BMO savings or investment account
- Merchandise — browse the BMO Rewards online catalogue
Insurance & Benefits
The BMO eclipse Visa Infinite Privilege includes a comprehensive insurance package:
- 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/trip interruption insurance
- Flight delay insurance — up to $1,000 per trip for all insured persons
- Baggage insurance
- Hotel burglary insurance — up to $2,500 per occurrence
Visa Infinite Privilege Perks
- Airport lounge access — Visa Airport Companion membership + 6 complimentary lounge visits per year
- Priority security lane and airport parking/valet discounts at select Canadian airports
- Visa Infinite Luxury Hotel Collection — exclusive benefits like free breakfast
- Visa Infinite Privilege Concierge — personal assistant on call
- Visa Infinite Dining Series and Wine Country events
- Troon Rewards Golf — discounts at 95+ resorts and access to select private clubs
Lifestyle Perks
- $200 annual lifestyle credit — statement credit every year, use however you want
- Up to $200 NEXUS statement credit in the first year
- Instacart+ — 6 months free plus $10 monthly Instacart credit
- BMO PaySmart — break large purchases into smaller monthly payments
Who Is This Card For?
The BMO eclipse Visa Infinite Privilege is for:
- High-income earners ($150K+) who spend heavily across groceries, dining, gas, drugstores, and travel
- Canadians who want airport lounge access and comprehensive travel insurance on a Visa card
- Those who can hit the $75,000 first-year spend to unlock the full 200,000-point bonus
- Cardholders who value Visa Infinite Privilege perks like the Luxury Hotel Collection and Concierge
Bottom Line
The BMO eclipse Visa Infinite Privilege is one of Canada's most rewarding personal credit cards — if you can meet the $599 annual fee and $150K income requirement. The 5x earning across five everyday categories, 200,000-point welcome bonus, $200 lifestyle credit, 6 lounge passes, and comprehensive insurance make it a powerhouse for high spenders. The main drawbacks are the steep annual fee, the 2.5% foreign transaction fee, and the fact that BMO Rewards points are worth less per point than airline currencies. If you want no-FX-fee travel or airline-transferable points, look at the Scotiabank Passport Visa Infinite Privilege or CIBC Aventura Visa Infinite Privilege instead.
