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View details about Odyssey World Elite Mastercard
View details about Cash Back World Elite Mastercard
View details about Flexi Visa

Interest rate on purchases

Interest rate on purchases 
20.9%
Interest rate on purchases 
20.9%
Interest rate on purchases 
10.9%1

Interest rate on cash advances

Interest rate on cash advances 
21.9%
Interest rate on cash advances 
21.9%
Interest rate on cash advances 
12.9%1

Annual fee

Annual fee 
$1302
Annual fee 
$1002
Annual fee 
None3

Rewards program

Rewards program 

Percentage of your purchases in BONUSDOLLARS4,5

  • Groceries: up to 3%6
  • Restaurants: up to 2%7
  • Entertainment: 2%
  • Alternative transportation: 2%
  • Other purchases: 1.5%
Rewards program 
Not offered
Rewards program 
Not offered

Cash back

Cash back 
Not offered
Cash back 

Percentage of cash back on your purchases8,5

  • Groceries: up to 4%9
  • Restaurants: up to 3%10
  • Entertainment: 3%
  • Alternative transportation: 3%
  • Other purchases: 1%
Cash back 
Not offered

Eligibility

Eligibility 
Minimum annual income of $80,000 (personal) or $150,000 (household)11
Eligibility 
Minimum annual income of $80,000 (personal) or $150,000 (household)11
Eligibility 
N/A

Additional card

Additional card 
No annual fee for Desjardins members, $40 a year for non-members12
Additional card 
No annual fee for Desjardins members, $30 a year for non-members12
Additional card 
No annual fee

Travel insurance

Travel insurance 
Comprehensive, up to 60 days
Travel insurance 
For trips up to 3 days
Travel insurance 
For trips up to 3 days

Lounge access at Montréal-Trudeau Airport

Lounge access at Montréal-Trudeau Airport 
8 free passes a year to the Desjardins Odyssey Lounge (after that, 50% off the entrance fee)
Lounge access at Montréal-Trudeau Airport 
Not offered
Lounge access at Montréal-Trudeau Airport 
Not offered

Travel perks

Travel perks 
Access to airport lounges, exclusive experiences around the world and cash back when you travel (World Elite Mastercard cards only)
Travel perks 
Access to airport lounges, exclusive experiences around the world and cash back when you travel (World Elite Mastercard cards only)
Travel perks 
Not offered

Car rental discounts

Car rental discounts 
Up to 25% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts 
Up to 25% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts 
Up to 15% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®

Auto rental insurance

Auto rental insurance 
Collision and loss damage insurance for 48 consecutive days
Auto rental insurance 
Collision and loss damage insurance for 48 consecutive days
Auto rental insurance 
Not offered

Mobile device insurance

Mobile device insurance 
Up to $1,500 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance 
Up to $1,500 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance 
Up to $1,000 of coverage in the event of loss, theft, damage or breakdown

Purchase protection

Purchase protection 
Covers eligible items in the event of loss or damage for 120 days from the purchase date
Purchase protection 
Covers eligible items in the event of loss or damage for 120 days from the purchase date
Purchase protection 
Covers eligible items in the event of loss or damage for 90 days from the purchase date

Extended warranty

Extended warranty 
Doubles the manufacturer's warranty for up to 2 additional years on most items bought with your card
Extended warranty 
Doubles the manufacturer's warranty for up to 2 additional years on most items bought with your card
Extended warranty 
Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card

Cash advances

Cash advances 
Up to $5,000 a day, within credit limit – your card's interest rate on cash advances applies
Cash advances 
Up to $5,000 a day, within credit limit – your card's interest rate on cash advances applies
Cash advances 
Up to $5,000 a day, within credit limit – your card's interest rate on cash advances applies

Pay in installments

Pay in installments 
Not offered
Pay in installments 
Not offered
Pay in installments 
Option to pay for purchases of $200 or more in equal, interest-free monthly installments13 at participating merchants

Grace period

Grace period 
21 days to pay off your balance without incurring interest, except on cash advances
Grace period 
21 days to pay off your balance without incurring interest, except on cash advances
Grace period 
25 days to pay off your balance without incurring interest, except on cash advances
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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.Mastercard® and World Elite® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.Odyssey® is a registered trademark of the Fédération des caisses Desjardins du Québec.* 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.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.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.BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances,RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS.To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries (codes 5411, 5422, 5462). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.The 3% BONUSDOLLARS rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back.The 4% Cash Back rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.The 3% Cash Back rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.You're also eligible if the value of your assets under management is more than $400,000. Examples of assets to include:RRSPs,TFSAs, bank accounts, investments, cottages and rental properties. Examples of assets to exclude: Cars, boats, artwork and primary residence.
Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with the Fédération des caisses Desjardins du Québec or the Caisse Desjardins Ontario Credit Union Inc. Non-members have to pay for additional cards: $30 for the Odyssey Gold Visa and Cash Back World Elite Mastercard, $40 for the Odyssey World Elite Mastercard and $95 for the Odyssey Visa Infinite Privilege.
Each installment is added to your minimum payment due and must be paid in full each month. If you don't make the minimum credit card payment, your card's interest rate will apply to the monthly payment.
The 2% Cash Back rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.The 2% BONUSDOLLARS rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.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 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 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.
The 3% BONUSDOLLARS rate will be applied to the first $25,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.