Apply Desjardins Cash Back Visa Card

Desjardins Cash Back Visa always has your back by providing you with 21 interest-free days along with 2% cashback rewards on your purchases. Other than this, you don’t need to pay an annual fee, average interest rates, or installment options to free insurance for your convenience. Along with this, all your personal information and money is in safe hands. 

What does a person want from a card? That it helps you in your hour of need and you can pay for your lifestyle through it. The cashback card by Desjardins can fulfill all your needs. It offers cashback and doesn’t want you to pay any transaction or annual fee. There are other perks for you too. 

Benefits of Cash Back Visa Card 

• Cashback offer

Purchasing will be fun with this card because you can get 2% cashback on your purchases like dining in at restaurants or pre-authorized payment. But purchases in a year don’t exceed $3600, otherwise, cashback will reduced to 0.5%. Similarly 2% cashback on public transport and cinema tickets. 0.5% cash back on other purchases like groceries, travel, and gas.  

• Travel and mobile insurance: 

Travel trips are more fun with family. Your life, luggage, and ticket are insured with us. How? If any injury happens during traveling, you will get emergency health Benefits of up to $5 million/per person. 

 If your baggage gets stolen or damaged, claim the amount of $500/ person. Similarly, if the mobile that you purchased using this card gets stolen or accidentally damaged, no worries. Claim up to $1000 that is enough to cover up your mobile loss. 

• Rent a car offers

Now you don’t need to pay a huge amount to rent a car. Yes because this card gives discounts on Hertz, Thrifty, and Dollar. Feel free to use a rented car with additional drivers without worrying about money. 

• Cash in hand

No need to worry about Financing anymore. If you need money in an emergency, get a cash advance of $2500 per day at an interest rate of 21.9%. 

 You can enjoy 21 interest-free days for your purchases except cash advances. 

 Want to purchase an appliance worth $200? Buy it now and pay it off in an easy installment plan. Know more about it here. 

• Safe and secure mobile app

Make an account at AccessD and access your credit card account online. Pay bills, lock/ unlock cards, etc. This is a secure way to send and receive money. You instantly get an alert, if anyone tries to access your account. Even if someone has done a fraud-like transaction from your account, you will not need to pay anything. 

•  Purchase protection & extended warranty 

You purchase something using a card but it gets damaged or stolen. You will get a replacement, if this happens within 90 days of purchase. Similarly, when you purchase an item with the card, its warranty get doubles. TADA, Isn’t it exciting? 

Prerequisites

You must meet all the requirements to apply for Desjardins Cash Back Visa. That is:

• You must be a Canadian resident and have an Identification card like a driver’s license or ID card. 
• You have reached the age of the majority people of resident area which is 18.
• You must have an active file with the Credit Bureau of Canada. To confirm this, you already had to apply for credit or a mobile phone account 3 years back. 
• If you don’t have a credit file? No issue, you can also apply for the credit card at a credit union or Access D. 

About The Desjardins Group 

Desjardins Group is the largest group that is efficiently providing financial and insurance services all over North America. It has almost 20 subsidiaries that work for people’s and communities’ prosperity and development. From retail banking to financial security, general insurance to complex real estate decisions, Desjardins is a master of all. 

Its headquarters is in Levis, Canada. This company has a net income of $3.5billion as per 2021 logistics. Total assets are estimated to be 397 billion dollars. More than 53 employees are working with dedication. This company also helps developing countries to grow, it launched social impact funds for women and youth.  

Who is this card for?

Desjardins Cash Back Visa is best for travelers and people who go out frequently. How and why?

• This card gives cashback on entertainment, restaurants, and transportation. So if you are a frequent fast food eater or go to the cinema every week. Use this card for payment and get 2% cashback. 
• If you travel with family for 3 days, anything happens to you or your baggage. You will get $ 5 million for any injury and $500 for your lost baggage. 
• Don’t have a car but need it sometimes? Get a rented car at a minimal rate along with additional drivers from Hertz, Thrifty, and Dollar by using this card.

Step-by-step procedure to apply for the card

If you are eligible then open the Desjardins website, and navigate to credit card from the main menu. Then select Cashback Visa, to apply for this card. 

• When you click on APPLY FOR THE CARD, a page directs you to the application form. Or click here. 
• Read all the terms and conditions regarding card and insurance. 
• Select the type of statement you want, either paper or e-mail. 
• Carefully fill the form with personal information, income, employment, and residential status.  
• Continue to the next page regarding house rent and mortgage. 
• Finally submit the form. 

VISIT THE BANK'S WEBSITE TO APPLY FOR THE CARD

Positives and Negatives of the Card

The quality of Desjardins cards is that they have more benefits and less disadvantages. Specifically, if we talk about Desjardins Cash Back Visa, it gives you exciting rewards and offers. 

Pros:

• 2% Cashback on purchases 
• No annual fee for primary and additional card 
• 21 interest-free grace days
• Travel insurance and mobile device insurance 

Cons:

• Interest rate is slightly higher. 
• If you spend more than $3600 per year then Cashback will decrease to 0.5%. 

How do you unlock the card?

For activation of the card:

1. Make a call at 514-397-1580 or 1-888-389-7823 and follow the process of card activation.
2. Or you can make a purchase or take out cash advances at the payment terminal. Add a strong PIN, to make it secure from any illegal activity. 

Fees And Tariffs

Desjardins Cash Back Visa doesn’t demand any annual fee for primary and additional cards. Other charges that you need to pay are:

• The interest rate on purchases is 20.9% and in cash advances is 21.9%.
• 19.9% is applied to Accord D financing. 
• 2.5% will be charged as a conversion fee on the transaction you have made in a foreign currency while traveling. 

Customer Service

There are FAQs available on the website relating to each type of product and service.

For Montreal: 514-281-9289

For US and Canada: 1-800-361-5121

Website

Desjardins is a versatile company with great ambition and excellent experience in insurance and financing. So it solves your all financial problems efficiently and effectively. Desjardins cash back visa is all you need, if you are a frequent purchaser but want to save some amount too. Cash-back cards let you live a financially independent life. 

If the Desjardins Cash Back Visa isn’t exactly what you’re looking for, check out other credit card options with amazing benefits and choose the one that best suits your needs: