Medical specialists

The Exclusive offer is available on request and may be modified or withdrawn at any time without notice. Your new benefits will apply upon your request. Certain conditions apply.

This offer cannot be combined with any other offer or promotion.

All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.

Interac^® and Interac e-Transfer^® are registered trademarks of Interac Corp. Used under licence. Back to note reference ®

^®Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec. Back to note reference ®

^®Mastercard and World Elite are registered trademarks of Mastercard International Inc. Back to note reference ®

* Trademark of Visa International Service Association and used under licence. Back to note reference *

^®Odyssey is a registered trademark of the Fédération des caisses Desjardins du Québec.

1. All the accounts in the transactional plan at $125 per year (the 4 individual accounts and the business account) must be held in the same caisse. If the business account is within a Business centre, it must be held in a folio of the same caisse as the main account. Back to note reference [ 1 ]
2. 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 ]
3. Depending on availability. Back to note reference [ 3 ]
4. 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 ]
5. The prime rate is the annual variable interest rate that is publicly and occasionally set by Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada. Back to note reference [ 5 ]
6. For a minimum financing of $100,000. This line of credit is first-rank immovable hypothec. Back to note reference [ 6 ]