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- Emergency medical insurance: The card offers up to $2 million CAD in emergency medical insurance for cardholders and their dependents for trips up to 21 days in length.
- Trip cancellation/interruption insurance: The card provides up to $2,500 CAD per person for trip cancellation or interruption due to covered events, such as illness, injury, or other unforeseeable circumstances.
- Baggage insurance: The card offers up to $1,000 CAD in coverage for lost or stolen baggage and personal effects, as well as up to $500 CAD for delayed baggage.
- Flight delay insurance: The card provides up to $500 CAD per person for expenses incurred due to a delayed flight of 6 hours or more.
- Travel accident insurance: The card offers up to $500,000 CAD in coverage for accidental death or dismemberment while traveling on a common carrier.
- Rental car insurance: The card provides coverage for rental cars for up to 48 days in Canada and the United States.
- Other coverage: The card also includes insurance for hotel/motel burglary, common carrier accidental death, and personal effects insurance for up to $2,500 CAD.
Concierge service for cardholders
- Services offered: The concierge service can assist with a wide range of requests, including restaurant reservations, travel bookings, event tickets, gift purchases, and more.
- Personalized service: The concierge service provides personalized assistance tailored to the cardholder's preferences and needs.
- Assistance with travel planning: The concierge service can assist with planning travel itineraries, making hotel reservations, and booking transportation.
- Access to exclusive experiences: The concierge service can provide access to exclusive experiences, such as VIP access to events or reservations at high-end restaurants.
- No additional cost: The concierge service is included with the card at no additional cost.
Overview of BMO Visa Infinite Privilege
The BMO Visa Infinite Privilege is a premium credit card from the Bank of Montreal (BMO), designed for high-income earners and frequent travelers. With a high annual fee of $499 CAD, this card offers an array of luxury perks, including:
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Travel rewards and points
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Extensive travel insurance
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Concierge service
This card is ideal for individuals who value convenience, travel privileges, and exclusive rewards.
Benefits of BMO Visa Infinite Privilege
1. Travel Rewards & Points System
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Points earning: 3 BMO Rewards points per $1 spent on travel, 1.5 points per $1 on other purchases.
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Points redemption: Use points for flights, hotels, car rentals, vacation packages, or offset travel purchases.
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Points value: $0.01 CAD per point for travel redemption; $0.007 CAD per point when offsetting travel purchases.
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Points transfer: Transfer to other loyalty programs (e.g., AIR MILES, WestJet Rewards) at a 5:1 ratio.
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Points expiration: Points remain valid as long as your account is in good standing.
2. Airport Lounge Access (Priority Pass)
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Unlimited access to over 1,000 lounges worldwide.
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Guest access: Bring up to 10 guests (some restrictions may apply).
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Digital access: Use the Priority Pass app to enter lounges without a physical card.
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Peak time restrictions: Check lounge policies in advance.
3. Travel Insurance Coverage
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Emergency medical insurance: Up to $2 million CAD for trips up to 21 days.
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Trip cancellation/interruption: Up to $2,500 CAD per person.
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Baggage insurance: Up to $1,000 CAD for lost/stolen baggage; $500 CAD for delays.
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Flight delay insurance: Up to $500 CAD per person for delays of 6+ hours.
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Travel accident insurance: Up to $500,000 CAD.
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Rental car insurance: Coverage for up to 48 days in Canada/US.
4. Concierge Service
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24/7 personal assistance for travel, reservations, event tickets, and gift purchases.
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Access to exclusive experiences like VIP event entry or premium restaurant bookings.
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No additional cost – included with the card.
5. Luxury Hotel & Other Perks
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Special hotel amenities like room upgrades, free breakfast, and late checkouts.
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Purchase protection and extended warranty on eligible purchases.
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Roadside assistance in Canada and the US.
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LoungeKey Airport Experiences: Discounts on dining, retail, and spa services.
How to Apply for BMO Visa Infinite Privilege
Follow these steps to apply online:
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Visit the BMO website: Go to the official BMO Visa Infinite Privilege application page.
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Click “Apply Now”: Begin the application process.
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Fill in the application form: Include personal information, income details, and employment information.
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Review terms and conditions: Ensure you understand fees, benefits, and policies.
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Submit your application: BMO may request additional documents before making a decision.
Note: The process may vary based on individual circumstances and BMO’s internal policies. Contact BMO Customer Service for any questions or assistance.
Key Takeaways
The BMO Visa Infinite Privilege is perfect for those who:
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Travel frequently and want luxury airport lounge access
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Value comprehensive travel insurance and concierge services
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Wish to earn and redeem travel rewards points
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Are willing to pay a premium annual fee for exclusive benefits and privileges
Frequently asked questions about BMO Visa Infinite Privilege
What is the annual fee for BMO Visa Infinite Privilege?
Answer: The annual fee for BMO Visa Infinite Privilege is $499 CAD.
What is the earn rate for BMO Rewards points with this card?
Answer: The earn rate for BMO Rewards points with this card is 3 points per dollar on eligible travel, dining, and entertainment purchases, and 2 points per dollar on all other purchases.
What kind of travel insurance coverage is included with this card?
Answer: BMO Visa Infinite Privilege offers a comprehensive travel insurance package that includes coverage for trip cancellation and interruption, emergency medical expenses, and travel accident insurance, among other benefits.
Does this card offer airport lounge access?
Answer: Yes, BMO Visa Infinite Privilege offers unlimited access to over 1,200 Priority Pass airport lounges worldwide.
What kind of concierge services are available to cardholders?
Answer: BMO Visa Infinite Privilege offers a range of concierge services, including travel planning, entertainment ticket booking, and restaurant reservations.
What kind of concierge services are available to cardholders?
Answer: BMO Visa Infinite Privilege offers a range of concierge services, including travel planning, entertainment ticket booking, and restaurant reservations.
What kind of luxury hotel benefits are included with this card?
Answer: BMO Visa Infinite Privilege offers a suite of luxury hotel benefits, including room upgrades, early check-in and late check-out, and complimentary breakfast.
What is the eligibility criteria for this card?
applicants must have a minimum annual income of $150,000 CAD or a minimum household income of $200,000 CAD.
How can I apply for BMO Visa Infinite Privilege?
Answer: You can apply for BMO Visa Infinite Privilege online, by phone, or in-person at a BMO branch.
Are there any additional fees or charges associated with this card?
Answer: Some additional fees and charges may apply, such as foreign transaction fees and cash advance fees. Please review the card's terms and conditions carefully for more information
How can I redeem my BMO Rewards points?
Answer: BMO Rewards points can be redeemed for travel, merchandise, gift cards, and more through the BMO Rewards program. Cardholders can redeem their points online or by calling the BMO Rewards customer service line.
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