The Distinctive offer is available upon request and is subject to change without notice at any time. Your new benefits will apply upon your request. Certain conditions apply.
All financing and credit card applications are subject to credit approval. Conditions apply toall products and services.
* Trademark of Visa International Service Association and used under licence. Back to note reference *
® 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 ®
Interac® and Interac e-Transfer® are registered trademarks of Interac Corp. Used under licence.
- 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). The plan is free of charge if a minimum monthly account balance of $5,000.00 is maintained. Back to note reference [ 1 ]
- Additional fees of $1.50, $3.00 or $5.00 may apply to withdrawals made from non-Desjardins ATMs affiliated with the Interac and PLUS networks. Some ATM operators also charge their own fees to use their machines.
They must notify you via an on-screen message before processing the transaction, so you can choose to cancel the transaction. These fees are added to the amount of the withdrawal and are paid directly to the ATM operator. For more information, see the Service fees page. Back to note reference [ 2 ]
- 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 [ 3 ]
- 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 21 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,
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.
For Cash Back World Elite Mastercard (annual fee: $100) or Odyssey World Elite Mastercard (annual fee: $130) or Odyssey Gold Visa (annual fee: $110), here some examples of applicable interest for a 30-day billing cycle: If the regular annual interest
rate is 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9%
and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest.
For Odyssey Visa Infinite Privilege (annual fee: $295 for Desjardins members and $395 for non-members), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily
outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the
regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest. Back to note reference [ 4 ] - Eligibility criteria for the Cash Back World Elite Mastercard and the Odyssey World Elite Mastercard card: a gross annual income of at least $80,000for the primary cardholder, or a household income of $150,000. Back to note reference [ 5 ]
- The prime rate is the annual variable interest rate that is publicly and occasionally set by theFédération 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 [ 6 ]
- For financing of at least$100,000. The line of credit is secured by a first-rank immovable hypothec (mortgage). Back to note reference [ 7 ]
