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Credit card

Flexi Visa

No annual fee credit card with a low interest rate

Interest rate on purchases

Interest rate on cash advances

Annual fee

Travel insurance

For trips up to 3 days

Benefits of the Flexi Visa*

Travel

Travel insurance for trips up to 3 days

Get free travel insurance for you and your familyGo to note 3 for trips of up to 3 days.

What's included
  • Emergency healthcare coverage: up to $5 million per person.Go to note 4
  • Trip cancellation coverage: up to $500 per person if the trip is cancelled before departure and up to $1,000 per person if the trip is cancelled after departure. You need to pay for your ticket with your credit card to get this coverage.
  • Baggage coverage: up to $500 per person if your baggage is lost or damaged by a common carrier, delayed for more than 6 hours or stolen.
  • Travel assistance: 24/7, anywhere in the world.
Help in case of emergency when travelling
Going away for more than 3 days?

You'll need to extend your insurance so you're covered for the whole trip.

Learn more about this insurance

The summary includes key information on your travel insurance. The insurance policy includes all conditions and exclusions to do with your travel insurance. Pay close attention to the exclusion for injuries or unstable medical conditions.

Car rental

Discounts at Hertz®, Thrifty® and Dollar®

Get up to 15% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

Mobile device and purchase protection

Mobile device insurance

Get up to $1,000 to cover the loss, theft, accidental damage or mechanical failure of mobile devices purchased with this card.Go to note 8

2 ways to get this coverage
  • Use your credit card to pay for your mobile device.
  • Use your credit card to pay any upfront costs and all monthly wireless bill payments if funding the cost through a wireless plan.
Information and claims
Learn more about this coverage

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

Purchase protection and extended warranty

Purchase protection and extended warranty provide better protection for the eligible items you purchase with your credit card.Go to note 8

Purchase protection

Purchase protection covers eligible items purchased with your card in the event of loss or damage for 90 days from the purchase date.Go to note 8

Read the Certificate of Insurance to learn all about this coverage.

Extended warranty

An extended warranty automatically doubles the original manufacturer's warranty for up to 1 additional year on most items purchased with your card.Go to note 8

Read the Certificate of Insurance to learn all about this coverage.

Information and claims
Learn more about purchase protection and the extended warranty

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

Financing and cash advances

Good to know

When you take out a cash advance, you're charged interest right away. In contrast, when you make purchases with your credit card, you have an interest-free grace period of 25 days from the date the statement is issued.

Additional features and options

Fraud protection

Apply for the Flexi Visa

Online

Want to see more cards?

Bonus Visa*

No annual fee10 credit card with rewards
Learn more about Bonus Visa

Cash Back Visa*

No annual fee10 cash back credit card
Learn more about Cash Back Visa

Useful information

Annual fees and fixed annual interest rates (like the interest rate on purchases and the interest rate on cash advances) are subject to change with 30 days' notice.
Emergency Health Care, Baggage and Trip Cancellation coverages are underwritten by Desjardins Financial Security Life Assurance Company. An insurance policy specifying all terms and conditions will be provided upon enrolment for the card. If you'll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Some conditions and restrictions apply.
Hertz® is a registered trademark of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc.
Dollar® and Thrifty® are registered trademarks of DTG Operations, Inc. Used under licence. © 2018 DTG Operations, Inc.
* Trademark of Visa International Service Association and used under licence.
If you don't make the minimum payment by the due date, the annual interest rates on purchases and cash advances will increase to 19.9% until we receive your payment.
Back to note reference 
You have 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. 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 Go to note [ 2 ]
Coverage applies to cardholders, their spouse and dependent children.
Back to note reference Go to note [ 3 ]
This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under.
Back to note reference Go to note [ 4 ]
Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Back to note reference Go to note [ 5 ]
Waived underage fee and reduced loss damage waiver benefits available at participating locations in Canada and the US only.
Back to note reference Go to note [ 6 ]
Additional driver must meet standard age, driver and credit qualifications.
Back to note reference Go to note [ 7 ]
Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant® is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
Back to note reference Go to note [ 8 ]
Subject to credit approval. Maximum amount depends on your credit limit. Cash advance interest starts to accrue on the transaction date.
Back to note reference Go to note [ 9 ]
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. Here are 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.