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You are here: Home > Personal > Loans and credit > Credit cards > Platinum card

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Platinum card

  • Interest rate: 9.9%
  • Annual fee: $169
  • Rewards program: up to 2% of your purchases in BONUSDOLLARS
  • Annual cashback rewards program
  • Comprehensive travel insurance
  • Offered at the caisse by invitation only

Features

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

Accumulate up to 2%1 on purchases in Desjardins BONUSDOLLARS and exchange them for travel, gifts, show tickets, products, and Desjardins financial services, or use them to make a donation.

Learn more - BONUSDOLLARS Rewards Program

1. Accumulate up to 2% on purchases billed to your card in foreign currencies.

Get a 1% cashback on net purchases exceeding CDN$20,000 per year. 1% cashback will be credited to your account on the account anniversary date (maximum CDN$800/year)2.

2. If the account is closed prior to the account anniversary date, the credit will not be granted. If the cardholder's account is more than 90 days past due and/or his Visa Desjardins Platinum card has been cancelled by the Fédération, the cardholder will lose his right to benefit from the 1% annual cashback credit and no credit will be granted.

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

A convenient financing method

  • Financing method favourably comparable to personal loans
  • In-store financing
  • Already available on your Visa Desjardins card without affecting your current credit limit
  • Interest rate separate from the Visa Desjardins card rate

2 ways to use it

Learn more - Accord D financing

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

4. 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 PLUS-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!

a00-logo-interac a00-logo-plus

Learn more - Cash advances

All goods purchased with your Visa Desjardins card benefit from additional coverage.

Purchase Protection

Most goods purchased anywhere in the world are replaced or reimbursed up to $50,000 in the 90 days following purchase in the event of loss, theft, damage or fire.

Extended Warranty

Doubles the duration of a Canadian manufacturer's warranty of 5 years or less for up to 1 year on nearly all goods purchased.

How to make a claim

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 transaction5. 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 1-800-363-3380.

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

As a Platinum cardholder, you can get an additional card for your spouse or other family member for as little as $50 a year.

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

Use the Cards tab to view your Visa Desjardins account and Brault & Martineau, Ameublements Tanguay and Colonial Furniture credit card information.

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

  • Add features:
    • Desjardins BONUSDOLLARS Rewards Program
    • Preauthorized payments
    • Low interest rate
  • Sign up for the Visa online account statement for access to 12 months of archived statements in PDF
  • Sign up for AccèsD Alert service:
    • Credit limit approaching alerts (balance has reached specified amount)
    • Minimum payment not received alerts
  • Increase your credit card limit
  • Notify us of travel plans
  • 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
  • Change your address or telephone number

Learn more
See Manage your Visa account.

Not registered yet?

Do you frequently travel outside the province for business or pleasure?

When you own this card, you, your spouse and dependent children benefit from complete travel insurance coverage.

  • Emergency Health Care Coverage up to $5,000,000, for up to 48 days per trip.
  • Trip Cancellation Insurance up to $2,000 per person if trip is cancelled prior to departure and unlimited coverage in case of trip interruption after departure.
  • Baggage Insurance up to $1,000 per person if baggage is stolen or damaged, and up to $500 if baggage is delayed..
  • Common Carrier Accident Coverage up to $1,000,000 in case of accidental death or dismemberment.
  • Travel Assistance Service available free, 24 hours a day, 7 days a week.
  • Auto Rental Collision/Loss Damage Insurance up to 48 consecutive days.

See the policy (PDF, 3.8 MB). It contains all travel insurance conditions and exclusions. Carefully read the section on limitations for pre-existing medical conditions or injuries.

Complementary travel services

  • No-fee travellers cheques
  • Discounts at Hertz worldwide

You and your family are covered6 while travelling in Canada or abroad, no matter how often you travel during the year.

  • Coverage up to $5,000,000 per insured for eligible medical care and services required, including transportation, repatriation, living expenses and dental care.
  • This coverage, offered by Desjardins Financial Security, is offered to persons under age 75.
  • Length of coverage:
    • 59 or under: 48 days
    • 60 to 64: 23 days
    • 65 to 75: 15 days
    • 76 or over: please contact us

6. Certain conditions apply. See the Distribution Guide and Policy.

This insurance covers trips within or outside your province of residence for their duration7. You and family members are covered up to $2,000 if trip is cancelled prior to departure and have unlimited coverage in the event of trip interruption after departure.

This coverage, offered by Desjardins Financial Security, is automatic when you use your Visa Desjardins Platinum card to purchase your ticket.

Coverage begins when the trip is paid.

7. Certain conditions apply. See the Distribution Guide and Policy.

Auto Rental Collision/Loss Damage Insurance is automatic and offered at no additional cost provided that:

  • You use your Visa Desjardins card to pay the entire vehicle rental of 48 consecutive days or less.
  • You decline the collision damage option offered in the rental contract.

The coverage, offered by Royal & Sun Alliance of Canada, covers most vehicles used exclusively to transport passengers and their baggage. Please read the policy carefully to learn more about conditions and exclusions.

What to do in case of accident

Call us at:

  • Canada and the U.S.: 1-800-847-2911
  • Elsewhere in the world (collect): 410-581-9994

You and family members are covered up to $500 per person against late baggage and up to $1,000 against theft or damaged baggage8.

This coverage, offered by Desjardins Financial Security, is automatic.

  • Applies exclusively to trips made outside your province of residence.
  • Length of coverage:
    • 59 or under: 48 days
    • 60 to 64: 23 days
    • 65 or over: 15 days

Coverage may not be extended in all Canadian provinces.

8. Certain conditions apply. See the Distribution Guide and Policy.

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 $1,000,000 in the event of accidental death or dismemberment.

This coverage9, 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.

9. Certain conditions apply. Consult the distribution guide and policy.

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

You, your spouse and dependent children can get all the benefits of Desjardins Financial Security's Accirance for 6 months, at no cost10

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.

Read the Distribution Guide (Quebec only) (PDF, 459,2 KB) and the General Conditions (all Canadian provinces) (PDF, 454,5 KB).

10. Certain conditions apply. See the Distribution Guide and General Conditions.

Get no-fee11 American ExpressTM Traveller's Cheques, simply by presenting your Visa Desjardins card in a Desjardins caisse.

TM Used under license from American Express Company Amex Canada Inc., 1999.

11. Certain conditions apply.

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

To take advantage of the discount, mention Visa Desjardins discount 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.

Other advantages

Options

See all credit terms and conditions of the card (PDF, 767 KB).

Privileges and services

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.
  • 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 cardholder, you can request an additional card for your spouse or family member.

Type of Visa Desjardins card Cost of additional card
FOR STUDENTS ONLY No charge
Classic No charge
Elegance GOLD No charge
Modulo GOLD $10 a year
Odyssey GOLD $30 a year
Platinum $50 a year

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

Register for AccèsD

Redeem the BONUSDOLLARS (minimum 20 BONUSDOLLARS) in your Visa Desjardins account easily and any time for gift rewards, trips12, 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

1. 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.

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!

Learn more about Account statements on AccèsD.

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

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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.

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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.

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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.

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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:

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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 6,500 participating Canadian retailers6.
  • On-the-spot cash financing 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.

To use AccèsD

You have to be a Desjardins caisse member or Visa Desjardins cardholder.

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

Learn more - Sign up for AccèsD Internet Alert service

Useful links

Visa Desjardins Platinum
By invitation only
Interest rate:  9.9%
Annual fee: $169
Comprehensive travel insurance

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