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You are here: Home > Personal > Cards, loans and credit > Credit cards > Affinity and Partner cards > Affinity Odyssey Gold
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Affinity Odyssey® Gold
- Interest rate: 19.9%
- Low interest rate: optional 12.9%
- Annual fee: $110
- Rewards program: 1% of your purchases in BONUSDOLLARS®
- Comprehensive travel insurance
Features
- Comprehensive travel insurance
- A rewards program
- Mobile Device Insurance
- Insurance in case of loss, theft, damage or fire for most goods purchased with your card
- Accord D Desjardins financing, a second, separate credit limit
- Cash advances up to $5,000 a day, anywhere in the world
- Zero Liability in the event of unauthorized use of your card
- Better security through chip technology
- No transaction fees
- New payWave contactless payment technology
Other advantages
- Discounts up to 20% at Hertz worldwide
- Free access to our Travel Assistance Service
- Access to AccèsD to manage your Visa account online
- Low cost additional card
- Register for the Overdraft Transfer service to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account (PCA) or any other eligible account.
- Insure your card balance for a minimal fee.
- Automatically pay your card balance at no charge.
- Lower your interest rate.
- Opt for a monthly online statement of account.
Your Affinity Odyssey 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.
Learn more
See the Desjardins BONUSDOLLARS Rewards Program section.
- Overview
- Emergency Health Care Coverage
- Trip Cancellation Insurance
- Baggage Insurance
- Common Carrier Accident Coverage
- Auto Rental Collision/Loss Damage Insurance
- Travel Assistance Service
Overview
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.
Your grandchildren also benefit from complimentary intergenerational insurance coverage when travelling with you.
See the Travel Insurance guide (PDF, 386 KB). It contains all travel insurance conditions and exclusions. Read closely the section on limitations for pre-existing medical conditions or injuries.
Complementary travel service
- Discounts at Hertz worldwide
Emergency Health Care Coverage
You and your family are covered2 while travelling in Canada or abroad, no matter how often you travel during the year.
- Coverage up to $5,000,000 per insured person 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: 60 days
- 60 to 64: 31 days
- 65 to 75: 15 days
- 76 or over: please contact us
Learn more
To learn more about Emergency Health Care Coverage, call 1-800-463-1623.
2. Certain conditions apply. See the Certificate of Insurance.
Trip Cancellation Insurance
This insurance covers trips within or outside your province of residence for their duration. You and family members are covered up to $2,500 if trip is cancelled prior to departure and have unlimited coverage in the event of trip interruption after departure.3
This coverage, offered by Desjardins Financial Security, is automatic when you use your Visa Desjardins Odyssey Gold card to purchase your ticket.
Coverage begins when the trip is paid.
3. Certain conditions apply. See the Certificate of Insurance.
Baggage Insurance
You and family members are covered up to $500 per person against late baggage and up to $1,000 against theft or damaged baggage4.
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: 60 days
- 60 to 64: 31 days
- 65 or over: 15 days
Coverage may not be extended in all Canadian provinces.
Learn more
To learn more about Baggage Insurance, call 1-800-463-1623.
4. Certain conditions apply. See the Certificate of Insurance.
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 $1,000,000 in the event of accidental death or dismemberment.
This coverage5, offered by Desjardins Financial Security, is automatic provided that you use your Odyssey Gold card to purchase the ticket.
How to make a claim
Contact us at 1-800-463-1623.
5. Certain conditions apply. See the Certificate of Insurance.
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 mail, fax or email
To file a claim, you are required to submit your completed claim form along with supporting documents. - Auto Rental Collision/Loss Damage Insurance Claim Form (PDF, 225 KB)
or
- 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®, Odyssey® Gold, Desjardins Affinity Gold and Visa Desjardins Prestige Platinum.
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.
Protect your mobile device when you talk, text and surf!
Mobile Device Insurance provides coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure8.
How to activate coverage
- Finance the purchase of your new device through your wireless service provider and pay your device’s monthly wireless bill with your credit card.
or - Purchase your new device with your credit card.
How to make a claim
By mail, fax or email
To file a claim, you are required to submit your completed claim form along with supporting documents.or
By phone
Call 1-888-409-4442.
Get more information
See the Certificate of Insurance (PDF, 238 KB) - This link will open in a new window..
8. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®. ®Assurant Solutions is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
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
- In the form of a cash advance deposited into your caisse account9
- In the form of in-store financing at over 10,000 participating retailers10
Learn more
See the Accord D financing section.
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.
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 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.
Learn more
See the Cash advances section.
Get cash wherever you see these logos!
Purchase Protection11 provides coverage in the event of loss or damage for 90 days from the purchase date when you use your card11 to purchase eligible items, up to a maximum of $50,000 per account per year.
Extended Warranty12 coverage automatically doubles the original manufacturer's warranty for up to one additional year when you use your card11 to purchase most items.
How to make a claim
- By mail, fax or email
To file a claim, you are required to submit your completed claim form along with supporting documents. - Purchase Protection Insurance Claim Form (PDF, 225 KB)
- Extended Warranty Insurance Form (PDF, 224 KB)
or
- By phone
Call 1-888-409-4442
11. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®*. ®Assurant Solutions is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, 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®, 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 do I report fraud
Call us at 1-800-363-4345.
13. See your variable credit contract for the definition of an unauthorized transaction.
As an Odyssey Gold cardholder, you can get an additional card for your spouse or other family member for as little as $30 a year.
As a result of a partnership with the Eco-advisory chair (Université du Québec à Chicoutimi), Desjardins donated $5 to the Carbone boréal project, the equivalent of 1 tree planted in Canada's boreal forest, for every online account statement registration completed between May 1 and December 31, 2014.
Through the initiative, Desjardins donated a total of $977,905 to the Carbone boréal project, contributing to the planting of 240,000 trees during the summer of 2014.
Desjardins also helps finance research on the fight against climate change through sustainable forest carbon management.
Learn more about Carbone boréal.
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/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
Learn more
See Manage your Visa account.
Here's how
You have to be a Desjardins caisse member or Visa Desjardins cardholder to use AccèsD.
Not registered yet?
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 1-800-263-0600 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.
Do you have any questions about the Affinity Odyssey® Gold card?
- See all credit terms and conditions (PDF, 310 KB).
Privileges and services
- Desjardins BONUSDOLLARS Rewards Program
- Accord D financing
- Online monthly account statements
- Overdraft transfer
- Cash advances
- Preauthorized payments
- Credit Balance Insurance - Individuals
- Verified by Visa
- Visa payWave contactless technology
Our range of Desjardins Visa cards gives you access to 2 attractive programs: Accord D financing and the BONUSDOLLARS Rewards program, as well as many other privileges.
Annual fee and fixed annual interest rate are subject to change without prior notice.
® Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.
® BONUSDOLLARS, Elegance, Modulo, and Odyssey are registered trademarks of Fédération des caisses Desjardins du Québec.
Useful links
| Interest rate: 19.9% |
| Low interest rate: 12.9% |
| Annual fee: $110 |
| Comprehensive travel insurance |
| Rewards program |