BMO Eclipse Visa Infinite Privilege

Overview

The BMO Eclipse Visa Infinite Privilege is BMO Bank of Montreal's top-tier personal Visa, issued at the Visa Infinite Privilege level. It carries a $599 CAD annual fee and earns 5 BMO Rewards points per dollar on groceries, dining, gas, travel, and drugstores — up to a combined $100,000 CAD in annual spending across those categories. The card includes six annual airport lounge visits via the Visa Airport Companion program, a $200 CAD annual lifestyle credit, and a $200 CAD NEXUS membership credit. It requires a minimum individual income of $150,000 CAD or household income of $200,000 CAD.

Who this card is for

This card is for high-income Canadians who spend substantially across dining, groceries, travel, and gas, and who want a premium Visa with meaningful lifestyle perks alongside the earn rate. The six annual lounge passes and the $200 lifestyle credit help justify the $599 CAD fee for frequent travellers. BMO banking clients who want to consolidate their premium financial products with one institution while earning strong rewards on daily spending are the target profile.

Key benefits

The 5x earn rate across five major everyday categories — groceries, dining, gas, travel, and drugstores — gives this card one of the broadest high-rate earning footprints in BMO's lineup. Up to $100,000 CAD in combined annual spending across those categories earns 5x before dropping to 1x. BMO Rewards points are worth approximately 0.67 cents each redeemed toward travel (150 points = $1 CAD), meaning 5x on an eligible purchase effectively returns about 3.35% toward travel bookings.

The six annual lounge passes are accessed through the Visa Airport Companion program, which covers over 1,000 lounges in 148 countries. You register at visaairportcompanion.ca to activate access. The $200 CAD annual lifestyle credit applies to a broad range of eligible charges. The $200 CAD NEXUS credit can offset the cost of a NEXUS card for frequent Canada-U.S. travellers.

The card also includes a comprehensive Visa Infinite Privilege insurance package — emergency medical, trip cancellation and interruption, delayed and lost baggage, flight delay, and car rental collision damage waiver.

Potential drawbacks

The $599 CAD fee is substantial. Extracting full value requires consistent high spending across the bonus categories, regular use of the lounge passes, and actively redeeming the lifestyle and NEXUS credits. BMO Rewards are not transferable to airline loyalty programs, which limits the ceiling on redemption value compared to transferable currencies like Aeroplan. If you want transferable points at the premium tier, the American Express Platinum at $799 CAD offers Centurion Lounge access and Membership Rewards transferable to Aeroplan and airline partners.

How it compares

The BMO Eclipse Visa Infinite at $120 CAD earns the same 5x rate on dining, groceries, gas, and transit — without drugstores and travel — but includes only Visa Infinite (not Privilege) insurance and no lounge passes. For spenders who don't need premium Visa Infinite Privilege-tier insurance or lounge access, the Eclipse Visa Infinite provides most of the earning benefit at a fraction of the fee. The American Express Platinum charges $799 CAD, offers unlimited Centurion and Priority Pass lounge access, plus transferable MR points — a stronger package for road warriors who can justify the premium.

Bottom line

A high-value card for qualifying BMO clients with substantial spending across dining, grocery, gas, and travel. The lifestyle and NEXUS credits offset a meaningful portion of the annual fee — but the math only works if you actually use those credits.