Main Features
| Feature Title | Feature Description |
| Contactless Payment | Tap to pay functionality for quick, secure purchases |
| Mobile Wallet Support | Apple Pay, Google Pay™, and Samsung Pay compatible |
| ATM Access | Fast cash access at over 1 million ATMs worldwide and TD Green Machine® ATMs |
| Travel Insurance | Includes Delayed/Lost Baggage, Flight Delay, Auto Rental Collision, and Hotel Burglary |
| Everyday Insurance | Mobile Device Insurance and Purchase Security/Extended Warranty Protection |
| Add On Cards | Available for family members at $35 per additional card |
| Emergency Services | Translation, lost document replacement, and Emergency Cash Transfer while traveling |
Reward Features
| Reward Feature | Benefit |
| Gas, EV Charging & Grocery | Earn 1 Aeroplan point for every eligible $1 spent |
| Air Canada Purchases | Earn 1 Aeroplan point for every eligible $1 spent |
| All Other Transactions | Earn 1 Aeroplan point for every $1.50 spent |
| Welcome Bonus | Up to 20,000 Bonus Points (10k on first purchase, 10k after spending $1,500 in 90 days) |
| Bonus Earning | Earn points twice when shopping via the Aeroplan eStore at 170+ retailers |
| Annual Fee Rebate | First-year annual fee rebate for the Primary and up to 3 Additional Cardholders |
TD Aeroplan Visa Platinum Card Fees and Charges
| Fees Title | Fees You Need To Pay |
| Annual Fee | $89 (Rebated for the first year) |
| Additional Cardholder | $35 (Rebated for the first year) |
| Interest: Purchases | 21.99% |
| Interest: Cash Advances | 21.99% (22.99% in Quebec) |
| Promotional APR | Not Applicable |
TD Aeroplan Visa Platinum Card Limits
| Limit Title | Limit Description |
| Bonus Category Cap | Maximum annual spend of $80,000 for the 1 point per $1 Bonus Rate categories |
| Contactless Payment | Up to $250 per transaction (varies by merchant/mobile wallet) |
| Lost Baggage Insurance | Up to $1,000 per insured person per trip |
| Mobile Device Insurance | Up to $1,000 in the event of loss, theft, damage, or breakdown |
| Flight Delay Insurance | Up to $500 for hotel/restaurant expenses if delayed over 4 hours |
Reward Exclusions and Limitations
Please note that you will not get the maximum reward rate on every purchase. The TD Aeroplan Visa Platinum Card has specific rules and caps. If you make payments outside the preferred categories or exceed the spending limits, your earning potential drops significantly. Here is a list of limitations to keep in mind:
- Purchases exceeding the $80,000 annual cap in the gas, EV charging, grocery, and Air Canada categories will drop to the standard rate of 1 point per $1.50.
- Cash advances, balance transfers, and interest charges do not earn Aeroplan points.
- To get the full 20,000 point bonus, you must hit a $1,500 minimum spend within the first 90 days.
- You are disqualified from the welcome bonus if you have opened any TD-Aeroplan Visa Card account in the last 12 months.
- Travel insurance coverage requires paying for at least 75% of the trip cost with the card and/or Aeroplan points.
This is a noticeable drawback of the card. The bank has set an $80,000 annual cap on the highest earning categories, which could limit rewards for very high spenders, and the base earning rate of 1 point per $1.50 on non-category everyday purchases is relatively low compared to premium tier travel cards.
TD Aeroplan Visa Platinum Card’s Payment Options
When it comes to payment options, you have the flexibility to choose from the various payment channels provided by TD. The most important and useful of them are –
- EasyWeb® Online banking
- TD app (Mobile banking)
- EasyLine® telephone banking
- Pre-Authorized Payments (Auto debit)
- TD Green Machine® ATMs
- In-person at TD branches
Giving the TD App and EasyWeb as primary payment options makes tracking expenses and paying bills much easier for people. Additionally, setting up recurring bill payments on your account earns you 1 point for every $1.50 spent.
Eligibility for TD Aeroplan Visa Platinum Card
While most people are eligible for the TD Aeroplan Visa Platinum Card, there are a few things you should consider that will benefit your application process. Firstly, you must be a Canadian resident and meet the age of majority in your province or territory of residence. Your credit account must be maintained in good standing to prevent your Aeroplan points from expiring. Finally, you can add up to three Additional Cardholders to your account. The primary cardholder remains liable for all charges, but this allows you to pool your Aeroplan points together faster.
To apply for the TD Aeroplan Visa Platinum Card, you should have a good to excellent credit score and a stable income to qualify for the minimum credit limits standard to Visa Platinum products.
How to Apply
Applying for the TD Aeroplan Visa Platinum Card is very easy. You can apply directly through the TD Canada Trust website, via the TD mobile app, or in person at any TD branch. The online application takes about 5-10 minutes, and you will need to link your existing Aeroplan membership number during the application process (or create one) so your points route correctly.
Things you must know about the TD Aeroplan Visa Platinum Card
While many people apply for the credit card looking at just the welcome bonus and travel benefits, there is some crucial information that they entirely miss out on. Before applying, please read the following factual information about the TD Aeroplan Visa Platinum Card carefully.
The preferred pricing for flight rewards—which allows you to book flights for fewer points—applies exclusively to Air Canada flights, not to the 30+ other airline partners in the Aeroplan network. Furthermore, while the card includes great insurance protections like Mobile Device and Auto Rental Collision insurance, you must charge the full or minimum required percentage (usually 75%) of the purchase to the card to activate these coverages. If you split the payment with another non-TD card, your insurance claims will be denied.
Finally, the interest rate for cash advances is high (21.99%, or 22.99% outside of Quebec), and interest starts accruing immediately from the transaction date.
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Travel & Luggage Accessories
Personal Finance & Budgeting Tools
Card Issuer: The Toronto-Dominion Bank (TD)
Fees and Rates
| Fee Type | Amount/Rate | Details |
| Annual Fee | $89 | First-year annual fee rebate applies |
| Regular APR | 21.99% | On purchases |
| Cash Advance APR | 21.99% – 22.99% | 21.99% in Quebec, 22.99% rest of Canada |
| Intro APR | Not applicable | Not applicable |
| Foreign Transaction Fee | 2.5% | Standard industry markup |
| Additional Card Fee | $35 | First-year rebate applies (up to 3 cards) |
Rewards and Benefits
| Reward Feature | Description | Terms |
| Rewards Type | Aeroplan Points | Primary reward currency |
| Base Rate | 1 point per $1.50 | On all eligible everyday purchases |
| Bonus Categories | Gas, EV Charging, Grocery, Air Canada | 1 point per $1 spent |
| Bonus Rates | Aeroplan eStore | Earn twice at participating retailers |
| Sign-up Bonus | Up to 20,000 Points | New cardholders only |
| Bonus Requirement | First purchase + $1,500 spend in 90 days | Spending threshold |
| Rewards Expiration | Points do not expire | Account must remain in good standing |
Requirements
| Requirement | Specification | Additional Notes |
| Credit Score | Good to Excellent | Standard credit approval applies |
| Minimum Income | Not strictly specified | Based on overall creditworthiness |
| 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, Google Pay, Samsung Pay |
| Contactless Payment | Yes | Visa payWave functionality |
| Security | Standard | Visa Zero Liability, Chip and PIN |
| Fraud Alerts | Available | SMS and phone notifications for suspicious activity |
| Travel Assistance | Yes | 24/7 toll-free emergency support |
Customer Service and Support
| Service Type | Details | Availability |
| Customer Service Hours | 24/7 | Fraud and loss prevention support |
| Support Channels | Phone (1-800-983-8472), EasyWeb, TD App | Multiple options |
| International Support | Available | Collect call options worldwide |
| Instant Approval | Available | For qualified online applicants |
| Application Time | 5-10 Minutes | Online application |
User and Expert Ratings
| Rating Category | Star Rating | Score | Description |
| Overall Rating | ★★★★☆ | 4.1/5 | Solid entry-level travel and rewards card |
| Rewards Program | ★★★★☆ | 4.3/5 | Excellent Air Canada integrations and perks |
| Fees & Costs | ★★★★☆ | 4.0/5 | Very reasonable $89 annual fee |
| Customer Service | ★★★☆☆ | 3.5/5 | Standard big-bank support quality |
| Ease of Approval | ★★★★☆ | 4.2/5 | Highly accessible for average incomes |
| Digital Experience | ★★★★☆ | 4.5/5 | Robust banking app and easy online portal |