The BMO Eclipse Visa Infinite Privilege Card isn’t just a credit card; it’s an invitation to elevate every purchase, every meal, every journey. With unparalleled reward-earning potential, elite benefits, and lifestyle perks, this card transforms the everyday into something extraordinary. 

Whether you’re stocking up on groceries, fueling up for a road trip, or enjoying a night out, the BMO Eclipse Visa Infinite Privilege Card rewards you like never before. And with perks like an anniversary lifestyle credit and exclusive access to airport lounges, this card is the ultimate companion for those who want more out of life.

Main features of the BMO eclipse Visa Infinite Privilege Card 

The BMO Eclipse Visa Infinite Privilege Card, issued by the renowned Bank of Montreal (BMO), is designed specifically for individuals or households with high income who seek more than just a financial tool—it’s a gateway to elevated experiences and unmatched privileges. 

From its high reward rates on essential categories like dining, groceries, and travel to access to exclusive services, the BMO Eclipse Visa Infinite Privilege Card effortlessly blends financial utility with luxurious benefits, creating an irresistible option for the discerning cardholder.

Understanding the annual fee 

The BMO Eclipse Visa Infinite Privilege Card comes with an annual fee that reflects the high-caliber benefits it provides. At $499 per year, this fee grants access to a wealth of premium services and rewards, such as the Visa Airport Companion membership with complimentary lounge visits and a variety of insurance benefits that elevate the travel experience. 

Deciphering credit limits

The BMO Eclipse Visa Infinite Privilege Card tailors its credit limit based on the applicant’s financial profile, including income, credit history, and current financial commitments. BMO undertakes a comprehensive assessment to ensure the limit aligns with the user’s capacity and lifestyle, ensuring a responsible and beneficial financial experience. 

High-income applicants can expect a considerable credit limit, reflective of the card’s premium status, providing ample flexibility for high-value purchases and significant spending across travel, dining, and daily expenses. This custom approach to credit allocation underscores BMO’s dedication to responsibly supporting the diverse needs of each cardholder.

Advantages of the BMO Ascend World Elite Mastercard

• 5x Reward Points on Key Categories: Earn five times the points on groceries, dining, gas, travel, and drugstore purchases. With such high rewards on daily essentials, every swipe brings substantial rewards.
• 25% Bonus Points with Authorized Users: Add an authorized user to your account and enjoy a 25% points boost on all purchases.
• $200 Annual Lifestyle Credit: Get a yearly credit to spend however you like, adding extra value to your favorite indulgences.
• Visa Airport Companion Membership: Six complimentary lounge visits yearly, granting travelers an oasis of comfort in busy airports.
• Concierge Service: Access to a personal concierge to help with anything from travel arrangements to dining reservations.
• Luxury Hotel Benefits: Through the Visa Infinite Luxury Hotel Collection, enjoy perks like free breakfast and special rates at select hotels.
• Priority Security and Parking Discounts: Enjoy expedited security lines, parking discounts, and valet services at select Canadian airports.
• Troon Golf Privileges: Discounts at renowned golf courses and resorts around the world.
• Comprehensive Insurance Coverage: Includes out-of-province medical insurance, rental car protection, and travel interruption coverage.

Standout advantage

One of the standout advantages of the BMO Eclipse Visa Infinite Privilege Card is its exceptional rewards rate. Earning five times the points on categories that people use every day—like groceries, dining, and gas—gives cardholders a considerable advantage. 

Addressing potential drawbacks

• High Annual Fee: The $499 annual fee may be prohibitive for some, especially those who don’t fully utilize the card’s premium perks.
• High Income Requirement: This card is tailored to high-income individuals, which may restrict access for those with lower incomes.
• Interest Rates: While competitive, the interest rate on purchases is 20.99%, and for cash advances, it’s 23.99%, which could accumulate quickly if balances aren’t paid in full.
• Limited Redemption Flexibility: BMO Rewards points are best suited for travel and lifestyle purchases, with fewer cash-back or statement credit options.

Standout disadvantage

The standout disadvantage of the BMO Eclipse Visa Infinite Privilege Card is its high-income requirement. With eligibility set at a minimum annual income of $150,000 for individuals or $200,000 for households, this card excludes many potential users who may be interested in its benefits but don’t meet this financial criterion. 

Eligibility criteria 

Eligibility for the BMO Eclipse Visa Infinite Privilege Card is fairly strict, in line with its status as a high-tier credit card. Applicants must be permanent Canadian residents and have reached the age of majority in their province of residence. 

Beyond the minimum age and residency requirements, the card also requires a robust financial standing—specifically, a minimum income of $150,000 for individuals or $200,000 for households. The card also stipulates that applicants should not have declared bankruptcy in the past seven years, ensuring a solid credit history for consideration.

How to apply for the BMO Ascend World Elite Mastercard

Applying for the BMO Eclipse Visa Infinite Privilege Card is straightforward and designed to accommodate various preferences. Whether you prefer online platforms, mobile apps, or in-person consultations, BMO ensures you have options for the most convenient application process. Let’s dive into the ways you can start the journey toward enjoying the exclusive perks and rewards that come with this card.

Via website

Applying through BMO’s official website is quick and user-friendly. By visiting the BMO credit card section, you can access the application page where you’ll be guided through each step. The online process is designed to be smooth and intuitive, ensuring that even first-time applicants can complete their application without hassle. 

Through the mobile application

For a streamlined mobile experience, applying via the BMO app is another convenient option. Available for download on both iOS and Android, the app allows users to complete applications directly from their smartphones. The app’s security features and intuitive interface ensure that personal and financial information is handled securely. 

Through the store/branch

For those who prefer a face-to-face approach, applying in a BMO branch offers personalized guidance from financial representatives who can answer any questions and provide clarity on the card’s features. This in-person experience ensures that applicants fully understand the card’s benefits and eligibility requirements, and it allows for a more tailored application process based on individual financial needs.