®Trademark of Interac Inc. and used under licence.
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Back to note reference ®
® Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec. Back to note reference ®
* Trademark of Visa International Service Association and used under licence. Back to note reference *
All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.
- The plan is free of charge if a minimum monthly account balance of $5,000.00 is maintained. Get a discounted rate of $9.95 per month on the Unlimited Plus Plan and
save $12.00 on the current rate (12 months x $12.00 = $144.00 in savings). Back to note reference [ 1 ]
- Withdrawals made from non-Desjardins ATMs affiliated with the Interac and Plus networks are subject to additional fees. Back to note reference [ 2 ]
- Includes drafts, safety deposit boxes and certified cheques. Back to note reference [ 3 ]
- Your spouse is also eligible for the same advantages, except the bonus for getting a credit card, if you have signed up for the offer and you are both members of the same caisse. Back to note reference [ 4 ]
- The bonus is equal to the value of your annual credit card fee, which is determined and paid out according to the rewards program associated with your card. For example, if the selected card is associated with the
BONUSDOLLARS Rewards Program, the bonus will be paid in BONUSDOLLARS. Use of the bonus is subject to the rules of the applicable program. See the rewards program details for each card. Back to note reference [ 5 ]
- Current Desjardins credit cardholders enrolled in the offer to professionals must become holders of one of the eligible prestige
cards to benefit from the sign-up bonus. For prestige cards, the sign-up bonus applies to the following scenarios: Odyssey
Gold Visa to Cash Back World Elite Mastercard, Odyssey World Elite Mastercard or Odyssey Visa Infinite Privilege, and Cash Back World Elite Mastercard or
Odyssey World Elite Mastercard to Odyssey Visa Infinite Privilege. The sign-up bonus does not apply to the Cash Back World Elite card to the Odyssey World Elite card.
Bonus does not apply to additional card fees. You have between 21 and 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances.
The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances
from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle:
If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. Back to note reference [ 6 ]
- Eligibility criteria for the Cash Back World Elite Mastercard card: gross annual income of at least $80,000 for the primary cardholder, household income of $150,000 or assets under management of at
least $400,000. Eligibility criteria for the Odyssey World Elite Mastercard card: gross annual income of $80,000 for the primary cardholder or household income of $150,000. Back to note reference [ 7 ]
- The prime rate is the annual variable interest rate that is publicly and occasionally set by the Fédération des caisses Desjardins du Québec. The Federation uses this rate
to calculate the interest rate on the loans it grants in Canadian dollars in Canada. Back to note reference [ 8 ]
- Available in Quebec only. Back to note reference [ 9 ]
- For financing of at least $100,000. The line of credit is secured by a first-rank immovable hypothec (mortgage). Back to note reference [ 10 ]
- Subject to credit approval by Desjardins. Certain conditions apply. Contact your advisor for more information. Cash back is awarded on new Desjardins mortgages of at least $100,000 for
owner-occupied properties with up to 4 units and a mortgage term of at least 48 months. The cash back will be deposited in the account linked to the mortgage. Back to note reference [ 11 ]
- Desjardins Funds are not guaranteed, their value fluctuates frequently, and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses may all be
associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by registered brokers. Back to note reference [ 12 ]
- Desjardins Securities Inc. uses the trade name Desjardins Online Brokerage for its discount brokerage activities. Discount brokerage products and services are consolidated under the Disnat brand. Desjardins Securities
Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). Back to note reference [ 13 ]
- Desjardins Securities Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). Back to note reference [ 14 ]
- Applies only to transfers of $50,000 and up. The minimum balance after the transfer must be $100,000. Back to note reference [ 15 ]
- No annual administration fees if the market value of the registered retirement savings plan or locked-in retirement account is more than $15,000 or if the market value of the registered
retirement income fund or life income fund is more than $25,000. Back to note reference [ 16 ]