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TD Aeroplan Visa Infinite Privilege Card

Last updated: March 7, 2021
  • 105,000 Aeroplan points
  • $1,869 First-year value
Best offer is available publicly until May 29, 2022
Signup bonus:
20,000 Aeroplan points upon first purchase
85,000 Aeroplan points upon spending $1,000 monthly in the first ten months
Total of 105,000 Aeroplan points
Annual fee:
$599 for the primary cardholder
$199 for additional cardholders
Earning rate:
2 Aeroplan points per dollar spent on Air Canada and Air Canada Vacations
1.5 Aeroplan points per dollar spent on gas, groceries, dining, food delivery, and travel
1.25 Aeroplan points per dollar spent on all other purchases
Perks & benefits:
Priority check-in, boarding, and free first checked bag on Air Canada flights
Maple Leaf Lounge access within North America
Six annual complimentary visits to Priority Pass lounges
Priority airport services at YVR, YUL, YOW, YTZ
Preferred pricing on Air Canada flights
$100 NEXUS credit
Insurance:
Very strong

The TD Aeroplan Visa Infinite Privilege Card is one of the best co-branded cards for Air Canada’s Aeroplan program. It offers a very lucrative welcome bonus and a high base earning rate, but its strongest feature is the top-tier travel treatment you’ll get as an Aeroplan cardholder.

Bonuses & Fees

As TD’s top-tier Aeroplan co-branded credit card, the TD Aeroplan Visa Infinite Privilege currently offers a total of 105,000 Aeroplan points:

  • 20,000 Aeroplan points upon making your first purchase on the card
  • 85,000 Aeroplan points after spending $1,000 each month for the first 10 months

105,000 Aeroplan points is the highest offer we’ve ever seen on this card, making it a great time to apply for the card now.

As a Visa Infinite Privilege product, this card also commands a relatively high annual fee of $599. Although TD runs a promotion with its All-Inclusive Banking Plan that reduces the annual fee of select credit cards by $120, the TD Aeroplan Visa Infinite Privilege is excluded from the list of eligible cards.

The cost to add a supplementary cardholder on this product is $199 per year.

Earning Rewards

In terms of the returns on everyday spending, the TD Aeroplan Visa Infinite Privilege offers cardholders:

  • 2 Aeroplan points per dollar spent on Air Canada and Air Canada Vacations
  • 1.5 Aeroplan points per dollar spent on groceries, gas, dining, food delivery, and travel
  • 1.25 Aeroplan points per dollar spent on everything else

For a premium credit card, the earning rates are quite ordinary. After all, the mid-range TD Aeroplan Visa Infinite already offers 1.5x Aeroplan points on the same categories – it’s only the 1.25x earning rate on general purchases that’s higher on the TD Aeroplan Visa Infinite Privilege.

I wouldn’t go out of my way to get this card for a $599 annual fee solely for its earning rates, but if you do have the card, then the 1.25x return on all purchases is pretty competitive in the “everything else” category.

Redeeming Rewards

Aeroplan remains the program of choice for the vast majority of Canadians aiming to redeem their points for high-value international business and First Class redemptions.

Redeeming Aeroplan points follows the Aeroplan Flight Reward Chart, and can cost as little as 55,000 points one-way from Vancouver to Tokyo in business class.

From the East Coast, 60,000 Aeroplan points (or often fewer, thanks to Air Canada’s preferred pricing if you hold Elite Status or a credit card) would unlock a transatlantic flight to most parts of Western Europe.

Closer to home: short-haul flights within North America that are under 500 miles only cost 6,000 Aeroplan points one-way.

Perks & Benefits

As Air Canada’s premium travel credit card, the TD Aeroplan Visa Infinite Privilege leans in heavily on the Air Canada travel benefits:

  • Priority boarding, priority check-in, and a free first checked bag on all Air Canada flights, for the primary and supplementary cardholders
  • Complimentary visits to Air Canada Maple Leaf Lounges within North America, for the primary and supplementary cardholders
  • Preferred pricing when redeeming Aeroplan points for Air Canada flights
  • The ability to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $5,000 you spend on the card
  • The ability to rollover up to 200,000 SQMs and 50 eUpgrades per year
  • The ability to earn an Annual Worldwide Companion Pass after spending $25,000 on the card per year
  • Your Aeroplan points won’t expire for as long as you’re a cardholder

In addition to the Air Canada benefits, the card also offers a strong set of benefits through its Visa Infinite Privilege designation:

  • A complimentary Priority Pass membership with six annual complimentary visits per year, for the primary and supplementary cardholders
  • Priority benefits (valet parking, fast track security, etc.) at select airports in Canada: Vancouver, Montreal, Ottawa, and Toronto Billy Bishop

Finally, the TD Aeroplan Visa Infinite Privilege also offers a $100 NEXUS credit, which is always useful for getting a NEXUS card to make your journey across the US border much smoother.

(It’s worth noting that this card’s earning rate and benefits packages are virtually identical to its CIBC-issued counterpart, the CIBC Aeroplan Visa Infinite Privilege.)

Insurance Coverage

As a high-end product, the TD Aeroplan Visa Infinite Privilege excels in the insurance department. Some examples of its strong coverage include:

  • Emergency medical insurance: Up to $5 million of coverage for the first 31 days of your out-of-province trip (4 days if you or your spouse is aged 65 or older).
  • Delayed and lost baggage insurance: For delayed baggage, up to $1,000 of coverage per insured person if delayed more than 4 hours. For lost baggage, up to $2,500 of coverage per insured person.
  • Flight delay insurance: Up to $1,000 in coverage if your flight/trip is delayed more than 4 hours
  • Trip cancellation / trip interruption insurance: For Trip Cancellation, up to $2,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Auto rental collision/loss damage insurance: Comprehensive coverage for up to 48 consecutive days for cars with an MSRP of up to $85,000, which can help you save on the insurance fees that the car rental company would otherwise charge.

It’s important to note that these benefits would also apply on Aeroplan reward tickets, as long as you charge the taxes and fees of your booking to your TD Aeroplan Visa Infinite Privilege.

Additionally, the card also offers Purchase Security and Extended Warranty Protection, covering most eligible items you’ve purchased with your card should they be stolen or damaged within 120 days of purchase, as well as two additional years on top of the manufacturer’s warranty.

Historical Offers

Apply Now

As a Visa Infinite Privilege product, this credit card has a minimum annual income requirement of $200,000 (household).

Follow the link below to the TD website to learn more about this card and submit an application.

33 Comments
  1. Mazen

    Hey Ricky, question regarding this latest promotion. Do you get 8,500 points for whichever months you spend $1k or more (within first 10 months)? Or do you need to spend $1k in each and every single month? Is it all or nothing or can you spend less than $1k for certain months. For example, you spend $1k on 8 of the first 10 months, do you get 8,500 points x 8 months or do you get 0 points for not reaching the $1k spend each and every single month?

  2. Shirley

    Hi Ricky,

    Is it possible to trade in the Buddy Pass for points? I heard this was possible somewhere but never fact checked this.

    1. Ricky YVR

      It was possible until November 2021, but the opportunity has now ended (unless you acquired your credit card in July or August 2021 and your Buddy Pass has taken some time to post).

  3. Nick

    Ricky, i just need a straight answer, if i am presently a TD visa infinite card holder and I apply for this card without closing the present card, will I get all bonuses attached to the present offer on this card from TD?

    1. Ricky YVR

      Yes you will.

      1. Nick

        What if I upgrade the existing Visa Infinite card? Will all the bonuses for this offer still come through?

        1. Michael

          There needs to be at least 6 months after the last time you opened a VISA infinite account with an eligible welcome bonus. I was about to upgrade my TD Visa Infinite card, but we need to wait 2 weeks, so that 6 months passes and I’m eligible to get the welcome bonus.

          1. M

            I got lucky, I applied for my Visa Infinite less than 2 months ago, and I product switched another existing TD card I had and got the full welcome bonus

  4. Robb

    I don’t see either of these benefits on the TD website (though they are on the AMEX website): Are they still valid? It seems like the elite status bump-up is gone too…
    – The ability to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $5,000 you spend on the card
    – The ability to rollover up to 50,000 SQMs and 50 eUpgrades per year

  5. Ho

    Has anyone travelled with this card and gotten priority security at YYZ-Pearson? I was only able to get priority security because the person I was travelling with was Elite 35k through Air Canada. Amex doesn’t have priority security as of 3 weeks ago (I haven’t really travelled much with COVID)

  6. Starrland

    Can you get this card with all the bonuses if you still have the TD Visa Infinite?

  7. Jane

    Go with Amex – the experience in every way is better with them. TD think they’re something special and arbitrarily make card approval difficult.

  8. peter djeric

    Do I get priority checkin with star alliance partners .
    Thks Peter.

  9. David

    Ricky, are the minimum household income figure strict? Total household income for me is $180k ($130k for me, $50k for wife). Just want to know the chances of consideration prior to attempting an application. Thanks in advance!

    1. Ricky YVR

      If you can count some other income sources and push that up to $200k, that’d be best.

  10. Andy

    I’m over 22 y/o and live with my parents. Can I combine my parents income with mine to meet the household income requirement?

    1. Ricky YVR

      If you live under the same household, then it’s just about counting the incomes of everyone under the household.

  11. Mary

    It’s the Buddy Pass and the Worldwide Companion Pass (Annual Worldwide Companion Pass Primary Cardholders will receive one (1) Companion Pass after spending more than $25,000 on net purchases (less any returns and credits) in the 12 months prior to card renewal date.)? Anyone used the companion pass? Worth it?

  12. Mike

    If someone has the all inclusive account, would they get the 139 discount for the VIP carrd? Just seeing if 599 can be discounted at all.

    1. Ricky YVR

      In TD’s case, no. CIBC’s equivalent VIP product does allow a discount from the premium banking package, though.

  13. Kent

    Hey Ricky, I believe this specific card From TD also offer priority bagage handling as well. However, CIBC aeroplane infinite privilege does not.

  14. Michael

    Ricky – do you know if anyone has received their buddy pass yet?

  15. Mark

    Is it a metal card like the the CIBC and Amex?

    1. Ricky YVR

      Yes!

  16. Anthony K

    How does it compare to the Amex Platinum/Bus Platinum?

  17. Salem

    Hi Ricky
    the TD privilege card has 7 – I assume the already known – exclusive travel benefits and an additional 8th perk at 200 properties. is there any information on what this perk would be? Thanks

    1. Salem

      I just found this on the Visa Luxury website.
      “The 8th Benefit for Visa Infinite Privilege Cardholders
      Book & enjoy a Special Amenity included with the 200 properties when you book the Visa Infinite Privilege Rate.

      $100 Spa Credit
      $100 Hotel Credit for Services
      $100 Dining Credit (Additional $75)
      $100 Room Credit for Rate
      $100 Golf Credit”

      1. Ricky YVR

        It’s a listed benefit, but typically I’ve found that the Visa Infinite Privilege hotel collection isn’t very wide, and the rates aren’t very competitive compared to Virtuoso or Amex Fine Hotels & Resorts.

  18. James

    Hey Ricky, just wondering which information regarding the access to Air Canada Maple Leaf Lounge is correct. Depends on which website so TD, CIBC, AMEX or Air Canada I go to, it has contradicting policies on bringing in a guest. Does all the “Privilege” or AMEX Reserve allow unlimited lounge access for the primary and authorized holder plus each can bring in a guest free? OR guest would require payment to access? Very confusing…

    1. Frank

      I’d like to know too

  19. Scott Wilson

    I was just notified my visa Infinite Privilege card fee is going up to 599 in November instead of the current 399 fee. Ridiculous.

  20. EH

    Can I get the sign up bonus if I have closed a TD Aeroplan Visa Infinite account within the past 6 months? Does TD consider the two cards the same product?

    1. william james

      Apparently not even if you have had the infinite card for years. You will get the difference in signup bonuses (20000(priv)-10000(infinite)= 10000. You will still get the 30000 upon spending $1000

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