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Modulo Gold card

Member advantages : Additional card at no annual fee

  • Interest rate: 9.9% (lowest annual fixed rate in Canada)
  • Annual fee: $50
  • Rewards program: 1% of your purchases in BONUSDOLLARS®
  • 3-Day Travel Insurance at no charge

Features

Your Modulo Gold® card allows you to treat yourself to a range of rewards with the Desjardins BONUSDOLLARS Rewards Program.

Accumulate 1% on purchases in Desjardins BONUSDOLLARS and exchange them for travel, gifts, show tickets and Desjardins products and services, or use them to make a donation.

To earn BONUSDOLLARS even faster, simply use your card for your daily expenses i.e., groceries, pharmacy products and gas.

See for yourself!

Average expenses/family/year
Type of expense Annual amount 1% rewards1
Groceries $6,000
($500/month)
60 BONIDOLLARS
Gas $3,000
($250/month)
30 BONIDOLLARS
Other purchases $3,000
($250/month)
30 BONIDOLLARS
Preauthorized payments $1,800
($150/month)
18 BONIDOLLARS
Total $13,800
($1,150/month)
138 BONIDOLLARS

Learn more - BONUSDOLLARS Rewards Program

1. 1 BONUSDOLLAR = 1 Canadian dollar

Overview

You, your spouse and dependent children benefit from complete insurance coverage offered with this card.

While travelling and in case of accident

  • 3-Day Travel Insurance while travelling outside your province of residence. A simple phone call extends coverage for the time period desired.
  • Auto Rental Collision/Loss Damage Insurance for 48 consecutive days or less.
  • Common Carrier Accident Coverage up to $125,000 in case of accidental death or dismemberment.
  • Accirance, complementary accident insurance to cover certain expenses. Get the first 6 months of coverage at no charge. Simply call to activate coverage.

Complementary travel services

  • Travel Assistance Service available free, 24 hours a day, 7 days a week.
  • Discounts at Hertz worldwide.

Automatic purchase protection

  • Purchase Protection in case of loss, theft, damage or fire on most goods purchased with your card.
  • Extended Warranty of up to 1 year on goods purchased.

Accirance

You, your spouse and dependent children can get all the benefits of Desjardins Financial Security's Accirance for 6 months, at no cost2345.

Wherever you are, you'll have complementary accident insurance covering you for the following expenses:

  • hospital
  • paramedical
  • dental
  • transportation
  • accommodation expenses

You are also entitled to a benefit of up to $1,000,000 in the event of accidental death, dismemberment or loss of use.

How to activate coverage

Call 1-800-463-7832 once you've received your card.

Read the Distribution Guide (Quebec only) (PDF, 585 KB) and the General Conditions (all Canadian provinces) (PDF, 733 KB).

2. Insurance coverage underwritten by Desjardins Financial Security. This document is provided for information purposes only. For further details, please consult the Distribution Guide. Certain conditions and restrictions apply.

3. Except Sonic – CO-OP cardholders.

4. Offered upon request.

5. This offer is stipulated in the contract. It is non-cumulative and cannot be combined with any other promotion.

3-Day Travel Insurance

As a Visa Desjardins cardholder, you get free insurance coverage for trips of 3 days or less outside your province of residence.

3-Day Travel Insurance covers:

  • emergency healthcare
  • baggage
  • accident
  • trip cancellation

For extended stays, simply call the insurer to extend the coverage.

Did you know?
You also benefit from a 24-hour telephone Travel Assistance Service, wherever you are and for the duration of your trip.

Learn more
Call 1-800-463-1623 or see the Certificate of Insurance (PDF, 1.24 MB). It contains all travel insurance conditions and exclusions. Read the section on limitations for pre-existing medical conditions or injuries.

Auto Rental Collision/Loss Damage Insurance

Auto Rental Collision/Loss Damage6 Insurance covers you if your rental car is damaged or stolen for a period of up to 48 consecutive days when you charge the full cost of your car rental to your card7.

What to do in case of accident

Call us at:

  • Canada and the U.S.: 1-888-409-4442
  • Elsewhere in the world: 613-634-4993

How to make a claim

  • By phone
    Call 1-888-409-4442 or 613-634-4993

6. Coverage is underwritten by American Bankers Insurance Company of Florida, an Assurant Solutions® company. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

7. Exclusive to Prestige cardholders. When paying with Visa Elegance® Gold, Modulo® Gold, Odyssey® Gold, Desjardins Affinity Gold and Visa Desjardins Prestige Platinum.

Common Carrier Accident Coverage

If you or a family member are the victim of an accident while using public transportation (air, sea or ground), you are insured up to $125,000 in the event of accidental death or dismemberment.

This coverage8, offered by Desjardins Financial Security, is automatic provided that you use your Visa Desjardins card to purchase the ticket.

How to make a claim

Contact us at 1-800-463-1623.

8. Certain conditions apply.

Travel Assistance Service

No matter where you are in the world, any time of the day or night, the Travel Assistance Service is there for you!

  • A toll-free telephone service available 24 hours a day, 7 days a week in case of a medical emergency to help you find a doctor or a hospital, dispatch medical assistance, or assist you with cash advances, repatriation or the handling of formalities
  • Assistance if your tickets, identification or official documents are lost or stolen, and legal assistance

Accord D financing is ideal for all your financing needs, such as furniture, travel, renovations and RRSP investments.

A convenient financing method

  • Available online (AccèsD and 1-800-224-7737), at the caisse and in-store
  • Doesn’t affect your current credit limit
  • Interest rate separate from the Visa Desjardins card rate
  • No prepayment penalties: Pay off your loan whenever you want, in part or in full, without being charged extra fees.

2 ways to use it

Learn more - Accord D financing

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

10. Certain conditions apply (details in store).

Get cash advances up to $5,000 a day, anywhere in the world.

Use the personal identification number (PIN) on your Visa Desjardins card to get cash advances:

  • at your Desjardins caisse teller counter
  • at any Visa-affiliated financial institution
  • at Interac- and Visa-network affiliated ATMs, 24 hours a day, worldwide
  • on AccèsD Internet

Maximum cash advance amount depends on your credit limit. Finance charges are assessed as of the date of the transaction.

Get cash wherever you see these logos!

Learn more - Cash advances

Purchase Protection11 provides coverage in the event of loss or damage for 90 days from the purchase date when you use your card12 to purchase eligible items, up to a maximum of $50,000 per account per year.

Extended Warranty11 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card12 to purchase most items.

How to make a claim

  • By phone
    Call 1-888-409-4442

11. Coverage is underwritten by American Bankers Insurance Company of Florida, an Assurant Solutions® company. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.

12. Exclusive to Prestige cardholders. When paying with Visa Cashback, Visa Elegance Gold, Modulo Gold, Odyssey Gold, Desjardins Affinity Gold and Visa Desjardins Prestige Platinum.

You are not held liable if fraudulent transactions are made to your card account.

How to detect fraud

Check the purchases posted to your Visa account for any unauthorized transaction13. An easy way to do this is to check your statement and balance on AccèsD, available at all times online and over the phone.

How to report fraud?

Call us at 1-800-363-4345.

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

Get a discount on short-term car rentals at participating Hertz locations worldwide.

To take advantage of the discount, mention number CDP# 1629632 when making your reservation.

Canada and the U.S. (at participating locations)

  • 20% off Hertz business rates (car classes B, C, D and F).
  • 10% off Hertz weekend, weekly or monthly rental rates on all car classes.
  • 5% off Hertz daily rental rates on all car classes.

Outside Canada and the U.S. (at participating locations)

  • 10% off Hertz "Affordable Europe" rates. Some conditions apply.
  • 10% off Hertz "Affordable Latin America", "Affordable Mexico" and "Affordable Caribbean" rates.

How to make a reservation

Call 1-800-263-0678 or visit the Hertz website.

Note: Renters must be at least 21 years of age in Canada and 25 years of age in the U.S. and Europe.

As a Modulo Gold cardholder, you can get an additional card for your spouse or family member for only $10 a year.

An exclusive advantage for members

Get a free additional card for your spouse or family member. Benefit from $10 in annual savings.

AccèsD now gives you centralized access to your Visa Desjardins account.

Use the Cards tab to view your Visa Desjardins account.

Features

Complete account information

  • Access to Visa statements of account (PDF)
  • Recent transactions and operations (since last statement)
  • Transaction details

Operations you can carry out

  • Sign up for preauthorized payments
  • Sign up for the Visa online account statement for access to 12 months of archived statements in PDF
  • Sign up for AccèsD Alert service
  • Increase your credit card limit
  • Notify us of travel plans
  • Add or modify information in your credit card account:
    • Change your address or telephone number
    • Change the email address where Alert service reminders are sent
  • Change your address or telephone number
  • Order Visa cheques
  • Dispute a charge
  • Apply for additional cards
  • Request paper copies of statements
  • Apply for Accord D financing
  • Replace a damaged card
  • Download account statements and bank reconciliations
  • Transfer accounts

Learn more
See Manage your Visa account.

Not registered yet?

Tap and pay with your smartphone. It’s easy, free and secure.

Learn more - Mobile payment service

Other advantages

Member advantages

Additional card for your spouse or other family member at no annual fee14. Available to primary cardholders of Modulo Gold cards. A $10 savings.

Options

Questions about the Visa Desjardins Modulo Gold card?

Annual fee and fixed annual interest rate are subject to change without prior notice.

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

14. Eligible cards: Modulo Gold, Odyssey Gold and Prestige Platinum. Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with Fédération des caisses Desjardins du Québec or Fédération des caisses populaires de l'Ontario Inc.

Privileges and services

Annual fee and fixed annual interest rate are subject to change without prior notice.

® BONUSDOLLARS is a registered trademark of Fédération des caisses Desjardins du Québec.

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.

Procedure

  • 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.

With a PIN on your Visa Desjardins credit card:

  • Your transactions are safer than ever.
  • You can get cash advances:
    • at ATMs displaying the "Interac", "PLUS" or "Visa" symbols, 24 hours a day, 7 days a week, anywhere in the world
    • at a Desjardins caisse or any Visa-affiliated financial institution

As a Visa Desjardins Modulo® Gold cardholder, you can request an additional card for your spouse or family member for only $10 a year.

Register for AccèsD

Redeem the BONUSDOLLARS (minimum 20 BONUSDOLLARS) in your Visa Desjardins account easily and any time for:

Learn more about the Desjardins BONUSDOLLARS Rewards Program.

Register for AccèsD

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

2. 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 project, the equivalent of 1 tree planted in Canada's boreal forest. Through this initiative, Desjardins finances climate change prevention research through sustainable forest carbon management.

1 registration for online statements = 1 donation of $5 = 1 planted tree

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 fees3 for using Visa Desjardins cheques, but your account must be in good standing.

Register for AccèsD

3. 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 caisse4 or in-store5. Use it to take a vacation, renovate your home or contribute to your RRSP.

Learn more about Accord D financing:

Register for AccèsD

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

5. 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 retailers6.
  • on-the-spot financing in the form of an advance deposited directly into your caisse account in less than 15 minutes7.

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

6. Certain conditions apply (details in store).

7. 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 - Sign up for AccèsD Internet Alert service

Annual fee and fixed annual interest rate are subject to change without prior notice.

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

Useful links

Visa Desjardins Modulo Gold
Interest rate:  9.9%
Annual fee: $50
Rewards program
3-Day Travel Insurance

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