Changes to the BMO eclipse Visa Infinite Privilege

The BMO eclipse Visa Infinite Privilege^* Card just got a refresh. This card now waives foreign exchange fees, includes more lounge access, and offers a unique new bonus rewards category^*. How the $200 annual credit works has also changed.^*

As part of them, the annual fee remains the same at $599. All these changes took effect on November 2, 2026.

Summary of the BMO eclipse Visa Infinite Privilege^* Card changes

Here is a summary of the changes to the BMO eclipse Visa Infinite Privilege^* Card.

New health and wellness rewards

The BMO eclipse Visa Infinite Privilege^* Card's rewards are mostly staying the same, but there is one change to the bonus categories. Instead of earning 5x the points at drugstores, you'll earn 5x the points on health and wellness.^*

This is the first time we've seen a bonus category for health and wellness. So what does it cover? You'll get 5x the points at these places:

• Massage parlors
• Health and beauty spas
• Golf courses
• Club memberships (athletic, recreation, sports)
• Recreation services (including gyms)

Keep in mind that there are annual caps on this new health and wellness category, just like the caps BMO already has in place for the other 5x categories.

After your spend reaches the cap for each category, you'll only earn 1 point per $1 in that category for the rest of the year.^*

• Travel: $25,000
• Dining: $25,000
• Gas: $15,000
• Groceries: $20,000
• Health and wellness: $15,000

More airport lounge access

The BMO eclipse Visa Infinite Privilege^* Card's airport lounge access is getting better.

Previously, the card included 6 free passes to Visa Airport Companion lounges. As part of the changes, that number has increased to 10.

Most Visa Infinite Privilege cards come with a Visa Airport Companion membership and 6 passes, so increasing the number of passes to 10^* boosts this card above its competition. It's now tied with the Scotiabank Passport^® Visa Infinite Privilege^* Card for most Priority Passes available on a VIP card.

Annual travel credit makeover

The annual credit that is included with the card isn't going away, but how you receive it is.

Previously, the $200 lifestyle credit was applied to your first purchase that is $200 or more.

Moving forward, this will be a travel credit. And while the amount remains the same at $200, it will be applied to your first travel purchase of $500 or more.^*

This makes the credit a little less flexible, but as long as you make a qualifying travel purchase every year, the value you get from the card won't change. Frequent flyers are unlikely to notice a difference.

No foreign transaction fees

This is probably the biggest change. Starting November 2, the BMO eclipse Visa Infinite Privilege^* Card will no longer charge foreign transaction fees. That means this card will save 2.5% on any purchase that isn't in Canadian dollars.

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FAQ

What is changing with the BMO eclipse Visa Infinite Privilege^* Card?

The BMO eclipse Visa Infinite Privilege^* Card is adding 4 lounge passes for a total of 10, waiving foreign transaction fees, and changing one of its rewards categories. The drugstore category will be replaced with health and wellness. The annual credit is also changing from lifestyle to travel.

What is changing with the annual credit?

The annual lifestyle credit is becoming an annual travel credit. The credit is still worth $200, but it will now be automatically applied to the first travel purchase of $500 or more. Previously, the credit applied to the first purchase of $200 or more. As long as you make a qualifying purchase, your value stays the same.

What counts towards purchases under the health and wellness category?

BMO has listed a few spend areas that qualify for the health and wellness category. They are:

• Massage parlors
• Health and beauty spas
• Golf courses
• Club memberships
• Recreation services