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The BMO eclipse Visa Infinite card earns 5x BMO Rewards points on several bonus categories, plus an anniversary $50 lifestyle credit.
Earning BMO Rewards Points
The BMO eclipse Visa Infinite credit card earns BMO Rewards points for all purchases made on the card:
- 5 BMO Rewards points for every dollar spent on grocery, gas, dining, and transit purchases up to a set dollar limit per calendar year.
- Grocery: Up to $6,000 in purchases per calendar year
- Gas: Up to $20,000 in purchases per calendar year
- Dining: Up to $6,000 in purchases per calendar year
- Transit: Up to $20,000 in purchases per calendar year
- 1 BMO Rewards point for every dollar spent on all other everyday purchases.
Once the spending threshold for an above-listed category is reached, all future purchases in that category for the calendar year will earn 1 BMO Reward point per dollar spent.
Redeeming BMO Rewards Points
BMO Rewards points are best used for travel purchases that are booked through the BMO Travel Portal. When redeeming BMO Rewards points towards bookings made through the travel portal, the redemption rate is 150 BMO Rewards points = $1 CAD.
There are additional redemption options including merchandise, gift cards, a statement credit, or cash investment in a BMO investment account. However, if you want to maximize the value of your BMO Rewards points, you should only redeem them for travel.
Benefits
$50 Lifestyle Credit
BMO eclipse Visa Infinite cardholders are eligible to receive a $50 anniversary lifestyle credit. This credit is applied to the first purchase made on the card that totals over $200; no further action is required in order to receive the credit.
The lifestyle credit is based on the anniversary year of the credit card account, meaning it will refresh each year upon the annual fee renewal date.
Up To 7₵/L Discount on Fuel at Shell
Cardholders who link their BMO eclipse Visa Infinite card with their AIR MILES collector number will receive a $0.02 per litre discount on regular fuel (Shell Bronze and Shell Silver) and a $0.07 per litre discount on premium fuel (Shell V-Power NiTRO+ or Shell V-Power NiTRO+ 91 or Shell VPower NiTRO+ 93) purchased at Shell gas stations. This discount is available up to a maximum of 1,000 litres per month.
Insurance Coverage
The BMO Eclipse Visa Infinite credit card offers several types of insurance coverage:
- Out-of-province or country emergency medical insurance: $5,000,000 coverage for the first 15 days of any out-of-province trips for travelers aged 64 or under
- Rental car collision and loss damage insurance: Comprehensive coverage for cars up to $65,000 MSRP
- Common carrier insurance: $500,000 of accidental death and dismemberment coverage
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase
- Extended warranty insurance: Extend the manufacturer’s original warranty up to one additional year
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
Refer to the BMO eclipse Visa Infinite card insurance certificate for additional details, including terms and conditions for eligibility.
Top BMO Cards
| Credit Card | ||
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70,000 VIPorter Points and $125 FlyerFunds Estimated value: $1,175 Ends Jan 31, 2026 |
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7,000 AIR MILES and $75 FlyerFunds Estimated value: $1,125 Ends Jun 1, 2026 |
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120,000 BMO Rewards and $100 FlyerFunds Estimated value: $904 Ends Jan 31, 2026 |
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90,000 BMO Rewards and $75 FlyerFunds Estimated value: $678 Ends Jan 31, 2026 |
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40,000 VIPorter Points and $75 FlyerFunds Estimated value: $675 Ends Jan 31, 2026 |
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Have you ever used your anniversary $50 lifestyle credit towards a purchase that some might consider unconventional or controversial?