Published 12/19/2025 Updated 12/19/2025 | BeCred

How to apply for the BMO Eclipse Visa Infinite Privilege

ADS

Applying for the BMO Eclipse Visa Infinite Privilege is a fully online process and relatively straightforward for applicants who meet the bank’s requirements. As a premium credit card, BMO applies a more detailed credit assessment, taking into account income, credit history, and overall financial profile.

Step-by-step application process

  1. Visit the official BMO website
    Navigate to the page dedicated to the BMO Eclipse Visa Infinite Privilege credit card.
  2. Complete the application form
    You will be asked to provide personal details, address, annual income, employment status, and basic financial information.
  3. Authorize the credit check
    BMO will review your credit history to assess eligibility and determine approval.
  4. Wait for the decision
    In many cases, approval is provided quickly. If approved, the card will be mailed to your registered address.
  5. Activate the card and start using it
    Once received, activation can be completed through the BMO mobile app or online banking.

General eligibility requirements

While exact criteria may vary, this card typically requires:

  • A strong credit score
  • High minimum annual income (standard for Visa Infinite Privilege cards)
  • Canadian residency
  • Legal age to apply

Additional documentation may be requested depending on the applicant’s profile.

Who is this card recommended for?

The BMO Eclipse Visa Infinite Privilege is designed for a specific type of cardholder and may not be suitable for everyone.

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

Ideal cardholder profile

  • Frequent travellers who benefit from airport lounge access and travel privileges
  • Individuals who regularly spend on dining, entertainment, and travel
  • Cardholders who value hotel upgrades, exclusive experiences, and concierge services
  • People who consistently pay their balance in full each month
  • Users who can offset the annual fee through the $200 travel credit and premium benefits

Who may want to look elsewhere

  • Low spenders or occasional card users
  • Those who rarely spend in the bonus categories
  • Travellers who do not make use of lounges or hotel benefits
  • Anyone looking for a no-foreign-transaction-fee card
  • Cardholders who tend to carry balances or pay interest

For these profiles, lower-fee cards or cashback-focused options may provide better value.

How to cancel the BMO Eclipse Visa Infinite Privilege

If the card no longer fits your financial needs, cancellation is a straightforward process.

Cancellation options

  • By phone: Contact BMO customer service
  • In branch: Visit a BMO branch in person
  • Online or mobile banking: In some cases, cancellation can be initiated digitally

Important points before cancelling

  • Redeem or use all accumulated points before closing the account
  • Ensure there are no outstanding balances
  • Confirm whether the annual travel credit has already been used
  • Request confirmation that the account has been officially closed

Cancelling this card does not prevent you from applying for other BMO products in the future, provided your credit profile remains in good standing.

Is the BMO Eclipse Visa Infinite Privilege worth applying for?

The BMO Eclipse Visa Infinite Privilege can deliver strong value for cardholders with high spending levels who actively use its premium features. When maximized, the accelerated rewards, comprehensive travel insurance, lounge access, and annual travel credit can outweigh the $499 annual fee.

However, for users who do not fully utilize these benefits or whose spending does not align with the bonus categories, the overall value proposition becomes less compelling.

Final thoughts

The BMO Eclipse Visa Infinite Privilege is best suited for cardholders who consistently spend on travel, dining, and entertainment and who actively use premium benefits such as lounge access, hotel privileges, and the annual travel credit. When these features are fully leveraged, the card can deliver value that justifies its high annual fee.

On the other hand, for users with lower spending levels or those who do not take advantage of the Visa Infinite Privilege perks, the cost may outweigh the benefits. Before applying, it is important to assess your spending habits, travel frequency, and ability to pay the balance in full each month.

Bottom line: a premium credit card designed for high spenders and frequent travellers , rewarding when used strategically, but less compelling for occasional users.

LEARN MORE

You will be redirected to the bank’s website

Credit card approval in Canada typically depends on your credit score, income, existing debts, and credit history. Lenders review your financial profile to determine whether you qualify and what credit limit they can offer.

Many basic credit cards can be approved with a score around 600 or higher. Premium cards may require a stronger score, often above 700. Some secured credit cards are available for people with little or no credit history.

Yes. Many Canadian banks offer special credit card programs for newcomers who may not yet have a Canadian credit history. These programs often include starter credit limits to help build credit over time.

You can build your credit score by paying your balance on time every month, keeping your credit utilization low, and avoiding missed payments. Responsible use over time helps strengthen your credit profile.

Paying the minimum keeps your account in good standing, but interest will continue to accumulate on the remaining balance. Over time this can increase the total amount you pay for your purchases.

Some credit cards charge annual fees in exchange for rewards, travel benefits, or higher credit limits. However, many Canadian banks also offer no-fee credit cards with basic features and cashback options.

CREDIT CARD

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

More options:

How to apply for the RBC Cash Back Preferred World Elite Mastercard

The RBC Cash Back Preferred World Elite Mastercard is designed for consumers who want strong cash back rewards combined with travel protections and premium cardholder…

How to Apply for the TD Double Up Credit Card

The TD Double Up is positioned as a straightforward everyday cash back card, designed for consumers who want consistent rewards without annual fees or complicated…

How to apply for the Home Trust Equityline Visa Credit Card

The Home Trust Equityline Visa Credit Card is a hybrid financial product that combines the everyday convenience of a traditional Visa credit card with the…

DISCLAIMER: BeCred is not a bank. BeCred strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

PARTNERS: We earn from ads and partner referrals. Partners may influence what we feature, but our evaluations are impartial.
Information may differ from what is found on financial institution websites. Financial products are displayed without a guarantee of being current. Read all terms before applying.

© 2026 BeCred - TIMO MIDIA 62.179.475/0001-44