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Credit cards


Visa Desjardins Cash Back card

Visa Desjardins Cash Back card

Manage your Visa account

What would you like to do?

Activate your new Visa Desjardins chip card.

Required documents

  • The document attached to your new credit card.


  • Detach your card from the letter to reveal the 8-digit control code printed underneath.
  • Choose a 5-digit PIN if your card doesn't already have one.
  • Call Desjardins Card Services from your home at 514-397-1580 or 1-888-389-7823.
  • Follow the directions to activate your card and choose a PIN, if required.
  • Destroy your old card.
  • Sign your new card.

You can use your new card as soon as it is activated.

Your Visa card gives you several advantages:

  • A 21-day grace period to pay your account without charge
  • Online account management on AccèsD
    • Opt for free online monthly statements of accounts
    • Sign up for the AccèsD Alert service
    • Pay your card balance automatically at no extra charge
  • No transaction fees
  • A second credit limit with Accord D Desjardins financing

Payment methods

  • There are several payment methods available.
  • Each month, purchases made with your Visa card are listed on your monthly statement of account.
  • Before making a payment, check the purchases posted to your account for any unauthorized transaction1. With zero liability protection, you are not held liable if fraudulent transactions are made to your card account.
  • Be sure to make the minimum payment if you are unable to pay your entire account balance in full to maintain a sound credit record.

Need help understanding your Visa Desjardins statement of account? See Your statement explained

How to pay your Visa bill


(AccèsD Internet users) Guaranteed 100% Secure

At the ATM

At Desjardins ATMs or those of financial institutions that accept Visa payments

By phone

Montreal area: 514-CAISSES (514-224-7737)
Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)

At the teller counter

Visit a caisse or any financial institution that accepts Visa payments

By mail

Send a cheque or postal money order made out to Desjardins Card Services along with your payment stub or with your account number on the back to:

Desjardins Card Services
Case postale 8601, succursale Centre-ville
Montréal, Québec H3C 3V2

  1. See your variable credit contract for the definition of an unauthorized transaction.

When you activated your credit card, you chose a 5-digit PIN (personal identification number). If you have forgotten it or want to change it, contact us by phone.

As a Visa Desjardins cardholder, you can request an additional card for your spouse or family member.

Type of Visa Desjardins card Cost of additional card
Classic No charge
Elegance Gold® No charge
Modulo Gold® $10 a year
Odyssey Gold® $30 a year
Platinum $50 a year

Register for AccèsD

Redeem the BONUSDOLLARS® (minimum 20 BONUSDOLLARS) in your Visa Desjardins account easily and any time for gift rewards, trips23, show tickets, products, Desjardins financial services, and more. You can also use them to make a donation for a cause that's important to you.

Learn more about the Desjardins BONUSDOLLARS Rewards Program.

To redeem BONUSDOLLARS on AccèsD
You must be registered for AccèsD as a Desjardins caisse member or Visa Desjardins cardholder.

Register for AccèsD

2. Exclusive to cardholders of Visa Elegance Gold, Modulo Gold, Odyssey Gold, Affinity Gold and Platinum cards. The trip must be paid for with one of these cards.

3. Purchases made abroad must be charged in non-Canadian currency.

AccèsD Internet features a Cards section where you can view all your Visa Desjardins account information.

Register for the online monthly statement and get access to your current statement and 12 archived statements. You'll help protect the environment and reduce your paper use!

Moreover, for every online monthly account statement registration, Desjardins will donate $5 to the Carbone boréal program to have a tree planted in Canada's boreal forest.

Learn more about Account statements on AccèsD.

See an example of a Visa Desjardins statement of account in the AccèsD demonstration.

Register for AccèsD

You can consult your monthly Visa statements for the last 12 months free on AccèsD, under the Cards menu. If you have not yet registered for this service, see Register for online account statements.

If the statement you need is older than 12 months, you can order a hard copy of one or more statements.

Register for AccèsD

With the same flexibility as personal cheques, Visa cheques allow you to make purchases up to your available credit limit. You can use them in places where only cash or cheques are accepted.

You can also use them to transfer the balance of your credit cards from other financial institutions or stores to your Visa card, so you only have a single payment to make.

Order up to 2 free series of 3 cheques each.

There are no transaction fees4 for using Visa Desjardins cheques, but your account must be in good standing.

Register for AccèsD

4. Credit fees apply.

Do you need more flexibility when it comes to daily or unexpected expenses?

Don't hesitate to apply for a credit limit increase on your Visa Desjardins card.

Register for AccèsD

Accord D financing is a second credit limit separate from your current transaction limit.

It is a simple, fast and flexible financing solution available at your caisse5 or in-store6. Use it to take a vacation, renovate your home or contribute to your RRSP.

Learn more about Accord D financing:

Register for AccèsD

5. Subject to approval by the Desjardins Card Services credit department. Available at participating caisses only. You must be a Desjardins caisse member.

6. Certain conditions apply (details in store).

Accord D financing is a second credit limit available on your Visa Desjardins card, separate from the limit and interest rate on your credit card that you use for daily purchases.

Accord D financing gets you:

  • Purchase financing at over 9,500 participating Canadian retailers7.
  • on-the-spot financing in the form of a cash advance deposited directly into your caisse account in less than 15 minutes8.

Learn more about Accord D financing.

Payment terms

Your Accord D monthly instalment is automatically transferred to your current account balance. The minimum payment due therefore includes the Accord D instalment.

You can pay off your balance in part or in full before the due date, with no penalties (principal payment).

Learn more about payment options.

Need help understanding your Visa Desjardins account statement? See Your statement explained.

Register for AccèsD

7. Certain conditions apply (details in store).

8. Subject to approval by the Desjardins Card Services credit department. Available at participating caisses only. You must be a Desjardins caisse member.

Receive email alerts to keep a closer eye on your finances.

For members:

  • Minimum balance alerts
  • Pending bill payment alerts
  • Epost document received alerts

For Visa Desjardins cardholders:

  • Credit limit approaching alerts: informs you when your balance reaches the amount you specify
  • Minimum payment not received alerts
  • Card suspended for authentication alerts
  • Card renewal alerts
  • Accord D financing due date alerts

Learn more - Others

Annual fees and fixed annual interest rates are subject to change without prior notice.

®Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.