Affinity Classic

  • Interest rate: 19.9%
  • Low interest rate: optional 12.9%
  • Annual fee: none
  • 3-Day Travel Insurance at no charge


Other advantages

  • Insure your card balance for a minimal fee.
  • Lower your interest rate1.
  • Get 6 months of free accident insurance.
  • Automatically pay your card balance at no charge.
  • Opt for a monthly online statement of account.

1. Except for Classic Affinity Sonic, Fondation québécoise en environnement, Amnesty International, TUAC, AFEAS and RONA cards.


Do you frequently travel outside your province of residence?

With your Visa Desjardins card, you're covered.

  • 3-Day Travel Insurance while travelling in Canada or abroad. A simple phone call extends coverage for the time period desired.
  • Accirance, complementary accident insurance to cover certain expenses.
  • Travel Assistance Service available free, 24 hours a day, 7 days a week.

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 travel insurance policy (PDF, 444 KB) - This link will open in a new window. . It contains all travel insurance conditions and exclusions. Read closely the section on limitations for pre-existing medical conditions or injuries.

How to extend coverage

Call us at 1-800-463-7845.

The baggage portion of the coverage may not be extended in some Canadian provinces.

Learn more
To learn more about 3-Day Travel Insurance, call 1-800-463-1623.


You, your spouse and dependent children can get all the benefits of Desjardins Financial Security's Accirance.2,3,4

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 (PDF, 656 KB) - This link will open in a new window. (Quebec only) and the General Conditions (PDF, 132 KB) - This link will open in a new window. (all Canadian provinces).

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

3. Except Sonic – CO-OP cardholders.

4. Offered upon request.

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 1800-224-7737), 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
See the Accord D financing section.

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).

Get cash advances up to $2,500 a day, anywhere in the world.

Put a personal identification number (PIN) on your Visa Desjardins card and you'll be able 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.

Learn more
See the Cash advances section.

Get cash wherever you see these logos!

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 transaction7. 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 do I report fraud

Call us at 1-800-363-3380.

7. 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# 295983 when making your reservation.

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

  • 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 1-800-263-0600 or visit the Hertz - This link will open in a new window. site.

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

As an Affinity Classic cardholder, you can get an additional card for your spouse or other family member for free.

How to get an additional card

Contact us at 514-397-4415 or 1-800-363-3380.

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

Use the Cards tab to view your Visa Desjardins account.


Complete account information

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

Operations you can carry out

  • Add features:
    • Authorized Payment Service
    • Low Interest Rate
  • Sign up for the Visa online statement of account 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
  • 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 statement of account and bank reconciliations
  • Transfer accounts

Here's how

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

Not registered yet?

Do you have any questions about the Affinity Classic card?

Privileges and services

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