Main Features
| Feature Title | Feature Description |
| Contactless Payment | Available (Apple Pay, Samsung Pay, TD Mobile Payment) |
| Welcome Bonus | Up to 45,000 Aeroplan Points (Tiered spending required) |
| Free Checked Bags | First checked bag free for up to 9 people on Air Canada flights |
| Add On Cards | You can get add-on cards for your family members ($75 fee per card) |
| Insurance | Comprehensive travel, medical, and mobile device insurance available |
| NEXUS Rebate | Up to $100 CAD statement credit every 48 months |
| Hotel Benefits | Get a 4th Night Free at the Aeroplan hotel collection worldwide |
Aeroplan Points Features
| Reward Feature | Benefit |
| Air Canada, Gas & Grocery | 1.5 Aeroplan points per $1 spent |
| All other everyday purchases | 1 Aeroplan point per $1 spent |
| eStore Shopping | Earn points twice at 150+ brands and 170+ online retailers |
| Maximum Bonus Limit | 1.5x earn rate capped at $80,000 annual spend |
| Points Expiry | No expiration as long as the primary account remains open |
TD Aeroplan Visa Infinite Fees and Charges
| Fees Title | Fees You Need To Pay |
| Annual Fee | $139 (First-year rebate available for primary & up to 3 additional cards) |
| Additional Card Fee | $75 |
| Purchase Interest | 21.99% |
| Cash Advances Interest | 22.99% (21.99% in Quebec) |
TD Aeroplan Visa Infinite Card Limits
| Limit Title | Limit Description |
| Bonus Earn Limit | $80,000 maximum annual spend for the 1.5x points categories |
| NEXUS Rebate Limit | One statement credit of up to $100 every 48 months |
| Elite Status Boost | 1,000 SQM and 1 SQS for every $10,000 in net purchases |
Points and Benefits Exclusion
Please note that you will not get maximum points in every purchase and shopping category. The TD Aeroplan Visa Infinite card has a lot of exclusions and strict conditions as well. Here is the full list of situations and categories where benefits are excluded or limited. If you make a payment using the TD card in these situations, you will not receive the expected value.
- Purchases past the $80,000 annual cap in gas, grocery, and Air Canada categories drop to 1 point per $1.
- Medical insurance coverage drops from 21 days to only 4 days if you or your spouse is 65 or older.
- The welcome bonus is heavily staggered: the final 20,000 points require a massive $12,000 spend within 365 days.
- Free checked bags only apply when flying with Air Canada, Air Canada Rouge, or Air Canada Express, not partner airlines.
- Preferred pricing only applies to Air Canada flight rewards.
- Auto rental insurance is only valid for up to 48 consecutive days.
This is a huge drawback of the TD Aeroplan Visa Infinite card. The bank has put strict limits on the insurance age thresholds and bonus spending limits that restrict how easily you can maximize the card’s value.
TD Aeroplan Visa Infinite Card’s Payment Options
When it comes to the payment options, you have the option to choose from the payment platforms provided by TD. The most important and useful of them are –
- EasyWeb Online banking
- TD app
- Pre-Authorized Payments (Auto debit)
- TD Green Machine ATMs
- EasyLine telephone banking
- Apple Pay & Samsung Pay
Giving the Digital Wallets and the Mobile app as a payment option makes the payment much easier for people.
Eligibility for TD Aeroplan Visa Infinite Card
While many people are eligible for the TD Aeroplan credit card, there are a few things you should consider that will benefit your application process. Firstly, you must meet the strict minimum income requirements. Your account must have a good standing and credit score. And finally, you can get add-on cards for your family members. Instead of getting a separate account for your family members and paying an additional $139 annual fee, it is more beneficial to get an add-on card for $75.
To apply for the TD Aeroplan Visa Infinite Card, you must have an excellent credit score, a $60,000 annual personal or $100,000 annual household income, be a Canadian resident, and meet the age of majority in your province.
How to Apply
Applying for the TD Aeroplan Visa Infinite credit card is very easy. You can either apply for the card at the TD website, through the TD mobile app, or at a local TD branch. Your credit score must be excellent, and you should have a stable income that meets the minimum thresholds.
Things you must know about the TD Aeroplan Visa Infinite Card
While many people apply for the credit card, looking at just the rewards and benefits, there is some crucial information that they entirely miss out. Before applying, please read the following factual information about the TD Aeroplan credit card carefully.
The welcome bonus requires a massive spending commitment. Before applying, make sure to look at the tiers and determine if the card covers your use case. For example, if you do not naturally spend $12,000 a year on a credit card, you will not get the final 20,000 anniversary points. Furthermore, you can neither get the 1.5x bonus rate on everyday general purchases nor get the 1.5x rate once you cross the $80,000 spending cap, making this card less rewarding for massive, non-category expenses.
Discover more
Travel Insurance Options
Air Canada Baggage Rules
The interest-free grace period for this card is available only if your previous balance is paid in full. The finance charges will apply from the transaction date on cash advances.
Finally, the travel medical insurance significantly drops in value for seniors. Many people miss that if you are 65 or older, you only get 4 days of coverage instead of the standard 21 days.
Card Issuer: The Toronto-Dominion Bank (TD)
Fees and Rates
| Fee Type | Amount/Rate | Details |
| Annual Fee | $139 | First-year rebate for primary and up to 3 additional cards |
| Regular APR | 21.99% | Per annum on purchases |
| Cash Advance Fee | 22.99% | 21.99% in Quebec |
| Additional Card Fee | $75 | Per additional user |
Rewards and Benefits
| Reward Feature | Description | Terms |
| Rewards Type | Aeroplan Points | Primary reward currency |
| Base Rate | 1 point per $1 | On all other eligible everyday purchases |
| Bonus Categories | Gas, EV charging, Grocery, Air Canada | 1.5 points per $1 spent |
| Sign-up Bonus | Up to 45,000 Points | Tiered spending requirements in first year |
| Rewards Expiration | No expiration | As long as primary cardholder account is open |
| Airline Perks | First bag free | For up to 9 passengers on the same Air Canada reservation |
Requirements
| Requirement | Specification | Additional Notes |
| Minimum Income | $60,000 Personal / $100,000 Household | Strict income requirement |
| Residency | Canadian Resident | Required |
| Age | Age of Majority | In province/territory of residence |
Credit Card Features
| Feature | Availability | Description |
| Mobile App | Available | TD app for smartphone management |
| Digital Wallet Support | Supported | Apple Pay, Samsung Pay, TD Mobile Payment |
| Contactless Payment | Yes | Tap to pay functionality with Visa |
| Fraud Protection | Standard | Visa Zero Liability, TD Fraud Alerts, 24/7 monitoring |
Customer Service and Support
| Service Type | Details | Availability |
| Customer Service Hours | 24/7 | Phone support and Loss Prevention |
| Support Channels | Phone, EasyWeb, App | Multiple options |
| International Support | Available worldwide | Emergency Travel Assistance Services |
User and Expert Ratings
| Rating Category | Star Rating | Score | Description |
| Overall Rating | ★★★★☆ | 4.3/5 | Overall card performance |
| Rewards Program | ★★★★☆ | 4.4/5 | Earning potential and value |
| Fees & Costs | ★★★☆☆ | 3.5/5 | Cost competitiveness |
| Travel Benefits | ★★★★★ | 4.8/5 | Flight and baggage perks |
| Digital Experience | ★★★★☆ | 4.0/5 | App and online features |