CREDIT
CARDS
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A CARD
FOR EVERY NEED
When used wisely, a credit card is a
useful and even essential payment
tool in so many ways. It helps you
build a solid credit history and
financial reputation—and makes
your life easier when you need to
make travel reservations or
finance purchases.
Each Sunova Visa Desjardins card
has a variety of features to meet
your needs, so keep reading to find
out which one is right for you.
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TABLE OF CONTENTS
n CLASSIC
4
n GOLD
6
n BONUSDOLLARS®
REWARDS PROGRAM
8
n ACCORD D
9
TM
FINANCING
n PRIVILEGES AND SERVICES OFFERED WITH
SUNOVA VISA DESJARDINS CARDS
10
LEGAL NOTES
12
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FEATURES AND
BENEFITS OF
SUNOVA
VISA DESJARDINS
PERSONAL CARDS †
BASIC FEATURES
Annual fee
Annual fee for additional card
Interest rate (purchases and cash advances)
BONUSDOLLARS ®
Rewards Program
(also applicable to
additional cards)
Travel (without restriction)
Select Sunova financial products and services,
gift rewards, show tickets
Administrative charges (overlimit fee, copy of statement charge, etc.)
INSURANCE
Trip Interruption and Cancellation Insurance
Baggage Coverage
Emergency Health Care Coverage
Intergenerational Coverage
UNIQUE IN CANADA
Common Carrier Accident Coverage
Auto Rental Collision/Loss Damage Insurance
Extended Warranty and Purchase Protection
OTHER BENEFITS AND OPTIONS
Accord DTM financing
Hertz discount
Low interest rate
†All rates and fees are effective August 31, 2015, and are subject to change
without notice.
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CLASSIC
Indispensable
GOLD
Complete travel insurance
No fee
$65
No fee
$30/year
19.9%
19.9%
Optional:
1% of purchases credited as
BONUSDOLLARS, $30/year
1% of purchases credited
as BONUSDOLLARS
None
None
3 days no charge
Max. $500/pers. before departure
Max. $1,000/pers. after departure
Max. $2,000/pers. before departure
Unlimited after departure
3 days no charge
Up to $500/pers.
Up to 23 days
Up to $1,000/pers.
3 days no charge
Up to $5,000,000/pers.
Up to 23 days
Up to $5,000,000/pers.
Included
Up to $1,000,000/pers. in the event of
accidental death or dismemberment
Maximum 48 days
Included
Included
Included
Up to 10%
Up to 20%
Upon request $30/year – 12.9%
Upon request $30/year – 12.9%
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VISA CLASSIC
Indispensable
THREE-DAY TRAVEL INSURANCE2
No matter how many trips you take during the year,
complimentary insurance coverage for trips of three
days or less outside Canada or your home province.
Emergency Health Care Coverage Up to $5,000,000 per person.
•
Trip Interruption and Cancellation Insurance 4
Up to $500 per person before departure and up
to $1,000 per person in the event of cancellation
after departure.
•
Baggage Coverage
Up to $500 per person against theft, damage
or delayed baggage.
•
Travel assistance service
Available at no charge 24/7 from anywhere in
the world.
•
4
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OPTIONAL BONUSDOLLARS
REWARDS PROGRAM
1% of purchases awarded as BONUSDOLLARS,
for just $303 a year.
Groceries, clothes, gas and more! BONUSDOLLARS
add up fast!
See page 8 to learn about the ways you can take
advantage of this program.
No annual fee3 – No transaction fees –
19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
FOR DAY-TO-DAY PURCHASES MADE WITH YOUR CREDIT
CARD, YOU HAVE A 21-DAY GRACE PERIOD FROM THE
DATE YOUR ACCOUNT STATEMENT IS ISSUED TO PAY OFF
YOUR TOTAL ACCOUNT BALANCE WITHOUT INCURRING
INTEREST CHARGES.
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VISA GOLD
Complete travel insurance
BONUSDOLLARS ® REWARDS PROGRAM
1% of purchases awarded as BONUSDOLLARS.
•
See page 8 to learn about the ways you can take
advantage of this program.
COMPLETE TRAVEL INSURANCE5
No matter how many trips you take during the year,
up to 23 consecutive days, for you and your family.
Emergency Health Care Coverage
Up to $5,000,000 per person.
•
Intergenerational Coverage 6
For dependent grandchildren .
•
Unique in Canada
Trip Interruption and Cancellation Insurance 4
Up to $2,000 per person in the event of cancellation
before departure and unlimited after departure.
•
Baggage Coverage Up to $1,000 per person against theft or damage and
up to $500 per person for baggage delays.
•
Common Carrier Accident Coverage 4
Up to $1,000,000 per person in the event of
accidental death or dismemberment.
•
Travel assistance service
Available at no charge 24/7 from anywhere in
the world.
•
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OTHER COVERAGE
Purchase Protection1 provides coverage in the event
of loss or damage for 90 days from the purchase date
when you use your card to purchase eligible items, up
to a maximum of $50,000 per account per year.
•
Extended Warranty1 coverage automatically doubles
the original manufacturer’s warranty for up to one
additional year when you use your card to purchase
most items.
•
Auto Rental Collision/Loss Damage Insurance1. When
you rent a car for up to 48 consecutive days, and
charge the full cost of the rental to your card, you
may be covered if the rental car is damaged or stolen.
•
$653 annual fee – $30 additional card
19.9% interest rate
Low 12.9% interest rate for $303/year
DID YOU KNOW?
TO KEEP A BALANCED BUDGET, YOUR DEBTS SHOULD
NOT EXCEED 10% TO 15% OF YOUR NET INCOME,
NOT INCLUDING MORTGAGE PAYMENTS.
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BONUSDOLLARS ®
REWARDS PROGRAM
Forget if, except and but: with BONUSDOLLARS,
the decision is yours.
The BONUSDOLLARS Rewards Program offers 1% of
purchases awarded as BONUSDOLLARS.
The value of your BONUSDOLLARS is easy to calculate
1 BONUSDOLLAR IS EQUIVALENT TO $1.
WAYS TO BENEFIT
TRAVEL 7
Whether you prefer to sleep under the stars or in
a five-star hotel, BONUSDOLLARS let you have it
your way.
Your BONUSDOLLARS never expire and you can use
them any way you wish, to pay for all or part of your
trip. Plus, with your BONUSDOLLARS, you get to
decide where and when you want to go.
There are no restrictions on:
•destination;
•timeframe;
• accommodations (tourist lodges, inns, hotels, etc.);
• mode of transportation (plane, train, bus, etc.).
SUNOVA FINANCIAL PRODUCTS
AND SERVICES8
Redeem your BONUSDOLLARS for select financial
products or services with Sunova Credit Union. Use
them as you would cash to make them work for you.
GIFT REWARDS
BONUSDOLLARS can be redeemed for a variety of
quality rewards and gift cards. The BONUSDOLLARS
Rewards Catalogue is available at mycard.desjardins.
com/sunova/rewardscatalogue.
For more information:
mycard.desjardins.com/sunova/
bonusdollars
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ACCORD DTM
FINANCING
Simple, quick and flexible
A simple in-store financing solution available as a
second credit limit on your Sunova Visa Desjardins
credit card. 9 You can use it without reducing your
available Visa credit.
Simple
Purchase financing on goods and services in-store:
furniture, pools, renovations, health care, etc.
•
Financing plans at 0% from some participating
retailers!
•
Quick
Financing available within minutes. 10
•
Funds are made available on your Sunova Visa
Desjardins card, without any other formalities.
•
Flexible
Flexible payment terms, depending on the retailer:
Buy now and pay later; no payments or interest due
during the grace period.
•
Pay in equal monthly instalments, with or without
interest.
•
Buy now and, following a grace period, pay for your
purchase in equal instalments.
•
For more information:
mycard.desjardins.com/sunova/accordd
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PRIVILEGES AND SERVICES
OFFERED WITH SUNOVA VISA
DESJARDINS CARDS
DISCOVER THE AVAILABLE SERVICES
AND OPTIONS – SOME AT NO CHARGE
– THAT WILL MAKE MANAGING YOUR
FINANCES EASIER.
REMOTE ACCOUNT MANAGEMENT:
FREE, PRACTICAL AND FAST
Manage your account online.
By managing your Sunova Visa Desjardins account
through AccèsD Internet, you can:
request a credit limit increase;
•
add options (BONUSDOLLARS ® Rewards Program,
low interest rate,10 etc.);
•
sign up for email alerts (approaching credit limit,
minimum payment not received, etc.);
•
and much more!
•
CREDIT BALANCE INSURANCE – INDIVIDUALS11
(OPTIONAL)
In the event of death, disability, critical illness or job
loss, this insurance can help you repay all or part of your
account balance, including Accord D Desjardins
financing plans.
All Sunova Visa Desjardins cardholders aged 18 to 64
inclusive are eligible.
•
The premium is $0.75 plus tax for every $100 of
monthly balance.
•
No premium is payable when the account balance
is zero.
•
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VISA PAYWAVE* CONTACTLESS TECHNOLOGY
Sunova Visa Desjardins cards now feature Visa
payWave contactless technology, enabling cardholders
to pay for purchases of $10012 or less at a wide variety
of retailers.
Look for this symbol:
For more information:
mycard.desjardins.com/sunova/payWave
ZERO LIABILITY IN THE EVENT OF FRAUD
Thanks to this protection, consumers are not liable for
fraudulent transactions. You are not required to pay
for any fraudulent transactions made to your account
as Desjardins will assume liability.
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LEGAL
NOTES
*
Trademark of Visa International Service Association and
used under license.
BONUSDOLLARS is a registered trademarks of Desjardins
Financial Group.
®
*Assurant Solutions is a registered trademark of Assurant Inc.
®
Accord D is a trademark of Desjardins Financial Group.
TM
1. 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®*. Details of your coverage, including
terms, conditions, limitations and exclusions, are in the certificate
of insurance provided with your card. The certificate of insurance
is also available at www.mycard.desjardins.com/sunova.
2. Insurance coverage applies to you, your spouse and
dependent children. If you will be taking a longer trip, you
must obtain extended coverage from the insurer in order to
benefit from the days of coverage offered by the policy
(except Common Carrier Accident Insurance). Insurance
coverage underwritten by Desjardins Financial Security Life
Assurance Company. This document is provided for
information purposes only. For more details, refer to the
insurance policies. Some conditions and restrictions apply.
3. Subject to Desjardins Financial Group approval. There is a
21-day, interest-free grace period on the card from the date
the monthly statement is mailed or from the date it is made
available in electronic format to settle the account without
paying credit charges, except on cash advances and cheques.
Otherwise, any and all unpaid amounts shall be subject to
credit charges calculated at the rate of 19,9% until such
payment is made in full. Minimum payment due is 2% (for
cards with the Low Interest Rate option) or 5% (for the
Classic and Gold cards) of the total of: the balance shown on
the account statement for the previous period; credit
charges on purchases and monthly instalments that have not
been paid on the due date for the current period (see table
below); regular purchases, cash advances and cheques during
the statement period and credit charges on cash advances
EXAMPLES OF CREDIT CHARGES FOR
A 30-DAY BILLING CYCLE
ANNUAL
INTEREST RATE
AVERAGE DAILY BALANCE
$100
$500
$1,000
Regular interest rate
19.90%
$1.64
$8.18
$16.36
Low interest rate
12.90%
$1.06
$5.30
$10.60
Equal instalments
financing
19.90%
$1.64
$8.18
$16.36
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and cheques. To which are added: monthly instalment(s) for
the statement period, deferred payment purchases due on
the statement date, past due amounts, and any other amount
set out in the card contract. Enrolment or renewal fees may
apply depending on the card requested.
4. The ticket purchase or transaction must have been paid in
full with the Sunova Visa Desjardins card.
5. Insurance coverage applies to you, your spouse and your
dependent children. Some age-related restrictions apply.
For Emergency Health Care Coverage and Baggage
Coverage, you are only covered for trips of up to the
following duration: 59 years old or younger: 23 days, 60 to
64 years old: 15 days, 65 and older: 8 days for Baggage
Coverage and no Emergency Health Care Coverage. No age
or duration limit applies to the other coverages. Insurance
coverage underwritten by Desjardins Financial Security Life
Assurance Company. This document is provided for
information purposes only. For more details, refer to the
insurance policies. Some conditions and restrictions apply.
6. Your or your spouse's dependent grandchildren are covered
if they are under your direct responsibility and are not
accompanied by their parents during the trip. Your
grandchildren must be aged between 15 days and 18 years
and have no spouse. However, if they are enrolled full time
at an educational institution recognized by the competent
authorities, they must be aged 24 years or under.
7. Minimum redemption on 20 BONUSDOLLARS is required
for all exchanges. Travel exchanges are available exclusively
for Gold cardholders.
8. Selected products and services provided by participating
Sunova branches. Some conditions apply.
9. Subject to credit approval by Desjardins Financial Group.
10. During business hours of Desjardins Card Services, a
business unit of Desjardins Financial Group.
11. Insurance underwritten by Desjardins Financial Security Life
Assurance Company. Loss of employment protection is
underwritten by The Personal General Insurance Inc.
Eligibility: you must be between 18 and 64 years of age.
12. Registered trademark of Visa International Service
Association, used under licence.
The description of basic services, features and optional
programs is the most accurate possible at the time of
publication. You will be advised of any changes as soon as
possible. However, Desjardins Financial Group may not be held
liable for changes to, cancellation of, or replacement of the
discounts or advantages described herein. All amounts are in
Canadian dollars.
All rates and fees are effective as of August 31, 2015, and are
subject to change without notice.
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APPLY FOR YOUR
CARD TODAY!
Please contact your advisor for help choosing the card
that’s right for you.
Online
mycard.desjardins.com/sunova
By phone
1-866-668-8472
At your Sunova branch
Ask an advisor to fill out an application with you.
This document is printed on Rolland Enviro paper.
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67 207410 A (08/2015)
For information about our cards for businesses,
visit mycard.desjardins.com/sunova or speak to your advisor.
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