TD® Aeroplan® Visa Infinite* Card: Comprehensive Guide, Features, and Application Steps
The TD® Aeroplan® Visa Infinite* Card is tailored for Canadians seeking elevated travel experiences coupled with comprehensive financial flexibility.
Offered by TD Bank Group in partnership with the Aeroplan loyalty program, this premium credit card is designed for consumers who want to turn everyday purchases into valuable rewards—primarily Aeroplan points redeemable for flights, upgrades, and a host of travel-related perks.
The card stands out in the Canadian credit card market by combining an attractive points-earning structure with a collection of exclusive travel and lifestyle benefits.
Cardholders benefit not just from accelerated Aeroplan points earned on essential spending categories, but also from experiences that make air travel smoother and more enjoyable.
Whether travelling for business or leisure, the TD® Aeroplan® Visa Infinite* Card provides security, comfort, and flexibility, reflecting TD’s dedication to exceptional customer service.
Benefits
Cardholders enjoy numerous premium benefits that transform both the journey and the everyday shopping routine. Here are the major advantages:
- Earn Aeroplan points: 1.5 points per $1 spent on eligible groceries, gas, and direct Air Canada purchases; 1 point per $1 on other purchases.
- Complimentary first checked bag: One free checked bag for the primary cardholder and up to eight travel companions on Air Canada flights.
- Priority check-in and boarding: Speed through airport check-in and boarding for smoother travel.
- Comprehensive travel insurance: Includes travel medical, trip cancellation/interruption, delayed and lost baggage, flight/trip delay, and more.
- Visa Infinite Concierge: Access to 24/7 personalized concierge services for travel, dining, and event arrangements.
- Purchase protection and extended warranty: Cover against theft, loss, or damage for new purchases, plus extended warranty on eligible items.
- Exclusive Air Canada benefits: Access to preferred pricing on Aeroplan flight rewards and exclusive Air Canada travel offers.
- Flexible payment programs: Convert eligible purchases into manageable installments with the TD Flex Pay Plan.
Prerequisites
To apply for the TD® Aeroplan® Visa Infinite* Card, applicants must fulfill the following:
- Be a Canadian resident with a valid Canadian credit file.
- Be the age of majority in your province or territory.
- Have a good to excellent credit score (typically 670+).
- Minimum annual personal income of $60,000, or household income of $100,000.
Meeting these criteria enhances the chance of approval. Note that qualification standards and income thresholds can change; always check with TD for the most up-to-date requirements.
About TD Bank Group
Toronto-Dominion Bank (TD Bank Group) is among Canada’s oldest and most respected financial institutions, founded in 1855. With over 1,100 branches in Canada and a significant presence in the U.S. as TD Bank, America’s Most Convenient Bank®, TD serves over 27 million customers worldwide.
TD provides a wide array of personal and business banking services, investments, insurance, and credit solutions. Their reputation for customer-oriented service, financial stability, and innovation—including robust digital banking—makes TD a leading choice for Canadians.
TD is also recognized for its community initiatives through the TD Ready Commitment, focusing on education, diversity, and environmental efforts, further cementing its place as a trusted and socially responsible institution.
Who is this card for?
The TD® Aeroplan® Visa Infinite* Card is designed for:
- Frequent travellers who primarily fly with Air Canada or Star Alliance partners.
- Individuals who want to maximize rewards on grocery, gas, and travel purchases.
- Those seeking premium travel perks, such as priority airport services and insurance coverage.
- Cardholders who meet the income and credit requirements and plan to pay off their balances in full each month.
It is less suitable for consumers who seldom travel, carry a balance frequently, or do not meet the higher income requirements.
What rewards and programs does the card offer?
The primary rewards program is Aeroplan:
- Aeroplan Points: Earn 1.5 points per $1 on groceries, gas, and Air Canada purchases; 1 point per $1 elsewhere.
- Welcome Bonus: Often features substantial initial Aeroplan points after meeting minimum spending requirements (subject to change and may include fee waiver offers).
- Redemption: Points can be used for flights (Air Canada and Star Alliance partners), upgrades, car rentals, hotels, and merchandise.
- Air Canada Benefits: Preferred pricing on flight rewards, free checked bags, and airport priority services.
- Visa Infinite Privileges: Luxury hotel offers, dining benefits, and special event invitations.
Remember, redemption rates and participating retailers can change. Always review the current Aeroplan program details before applying.
Initial credit limit
When approved, your initial credit limit will vary, generally based on your income and credit profile:
- Minimum credit limit: $5,000
- No published maximum credit limit: The actual limit can be significantly higher depending on financial qualifications.
Credit limits are subject to change upon review by TD as your credit profile evolves.
Step by step to apply for the card
The process of applying for the TD® Aeroplan® Visa Infinite* Card is straightforward:
- Review eligibility and prepare your financial and personal information.
- Visit the official card application page:
- Complete the application form with your personal and employment information.
- Submit documentation if requested, such as income verification.
- Review and accept the terms; TD will process your application and inform you of the decision, typically within minutes to a few days.
If you have an existing TD account, log in to streamline the application.
Card’s pros and cons
Pros:
- Accelerated points earnings on major spending categories.
- Valuable welcome bonus (when available).
- Comprehensive travel and purchase insurance coverage.
- Premium Air Canada perks—ideal for frequent flyers.
- Visa Infinite concierge and exclusive offers.
- Flexible payment plans for large purchases.
Cons:
- Annual fee ($139) is higher than many non-premium cards.
- Additional cardholder fee ($75 per additional card).
- High interest rates on purchases (20.99%) and cash advances (22.99%).
- Income thresholds may exclude some applicants.
- Optimal value is reached only by those who maximize travel-related spending and can pay balances in full monthly.
Caution: Carrying a balance can negate most rewards due to high interest charges. Always use responsibly.
How to unlock the card?
Upon receiving your TD® Aeroplan® Visa Infinite* Card:
- Call the activation number printed on the card sticker or use the TD mobile app to activate.
- Authenticate your identity as prompted.
- Set or confirm your PIN.
- Sign the back of your card and it’s ready to use immediately.
Fees and tariffs
- Annual fee: $139 (primary cardholder)
- Additional cardholder fee: $75 per card
- Purchase interest rate: 20.99% annually
- Cash advance rate: 22.99% annually
- Balance transfer rate: 22.99% annually
- Foreign transaction fee: 2.5% of the converted amount
- Other fees may apply for late payments, dishonoured payments, or over-limit usage.
It is essential to always pay your balance in full to avoid interest and maintain a healthy credit profile.
Customer service
Official contact options for the TD® Aeroplan® Visa Infinite* Card include:
- Customer service phone: 1-800-983-8472
- TD Website: Official Card Page
- Branch locator: Find a TD Branch
- TD App support: Accessible via in-app messaging
Disclaimer: Credit card terms, benefits, and eligibility requirements may change. This article is for educational purposes only and does not constitute specific financial advice. Always consult TD directly and review your own financial situation before applying. Responsible credit use is recommended. For the most current information and to apply, visit the official TD site.
Check more about other credit cards in our website.
About the author
Journalist with an interest in technology and data-driven marketing. Currently venturing into the world of programmatic media. An enthusiast of AI usage, I'm discovering new things every day. I've learned from the Might of Demacia that our deeds shape the future. I enjoy watching esports in my spare time.
