TD Aeroplan VISA Infinite Privilege Card

No annual fee. 25,000 bonus Aeroplan points. Earn points on every purchase. Travel perks and insurance included.

How to Increase Your Credit Limit?

The TD Aeroplan VISA Infinite Privilege Card offers initial credit limits that typically range from C$10,000 to C$25,000, depending on your income, credit score, and banking relationship with TD. Cardholders who actively use their card, maintain on-time payments, and engage with TD’s digital banking tools often see automatic limit increases every 6 to 12 months. The bank rewards customers who demonstrate responsible credit behaviour and willingness to consolidate their financial activity within the TD ecosystem.

Beyond simply waiting for automatic reviews, you can accelerate limit growth by taking specific actions that TD prioritizes in its credit assessment algorithms. Enabling Open Banking consent allows TD to verify your full income picture across institutions, which can unlock higher limits faster. Setting up pre-authorized bill payments demonstrates stable cash flow, while linking your primary chequing account to the card for automatic statement payments reduces perceived risk. Each of these steps signals to TD that you’re a low-risk, high-value customer — the profile most likely to receive generous limit expansions.

Top Benefits for You

The TD Aeroplan VISA Infinite Privilege Card stands out in the premium travel rewards segment by offering up to 50,000 welcome Aeroplan points when you meet the minimum spending requirement in the first few months. Cardholders typically earn 3 points per $1 spent on eligible Air Canada purchases and 1.5 points per $1 on all other purchases, making it competitive with similar travel cards in the Canadian market. The annual fee of approximately $599 reflects the premium tier positioning, while the card’s lounge access benefits and travel insurance packages justify the cost for frequent travelers.

Beyond point accumulation, this card provides valuable perks like priority boarding on Air Canada flights, complimentary checked baggage for you and up to eight companions, and access to Maple Leaf Lounges when traveling on eligible itineraries. The card also includes comprehensive travel insurance coverage for trip interruption, medical emergencies abroad, and rental car insurance, which can save travelers several hundred dollars per trip compared to purchasing standalone policies. These features position the card as a strong choice for those who fly regularly and value premium travel experiences.

Credit Card Comparison

When choosing a premium travel credit card in Canada, understanding how the TD Aeroplan VISA Infinite Privilege stacks up against competitors is essential. This card offers an impressive annual welcome bonus of up to 90,000 Aeroplan points (after meeting spending requirements), a $599 annual fee, and comprehensive travel insurance coverage that rivals top-tier offerings in the market. Its earn rate of 1.5 Aeroplan points per C$1 spent on eligible purchases makes it particularly attractive for frequent travelers who value Air Canada's loyalty program.

The competitive landscape includes other premium travel cards that offer varying rewards structures and benefits. While some cards focus on cashback or flexible points, the TD Aeroplan VISA Infinite Privilege specializes in airline-specific rewards with benefits like priority airport services, complimentary lounge access, and enhanced travel protections. Comparing the annual fees, earn rates, and insurance coverage across similar premium cards reveals where this product delivers the strongest value proposition for Canadian travelers committed to the Aeroplan ecosystem.

Which credit card is better for you?

When comparing premium travel rewards cards, the decision often comes down to how you accumulate points and which benefits align with your spending habits. The TD Aeroplan VISA Infinite Privilege Card earns 1.5 Aeroplan points per C$1 spent on most purchases, with accelerated earning on Air Canada flights and eligible travel bookings. Its annual fee of C$599 positions it as a top-tier option, but competing cards in the same segment may offer different redemption flexibility, insurance coverage, or lounge access networks that better suit frequent international travellers or those loyal to specific airline alliances.

A head-to-head comparison reveals nuances that matter in real-world use: while one card might excel in trip cancellation insurance limits, another could provide more lounge passes per year or a lower foreign transaction fee structure. The TD Aeroplan VISA Infinite Privilege includes 10 priority passes annually and comprehensive travel medical coverage, strengths that shine for North American and overseas trips. Matching these features against direct rivals helps clarify where your annual fee delivers the most value—whether that's in points velocity, redemption options, or the breadth of complimentary protections when you're far from home.

Will I Get Approved?

Approval for the TD Aeroplan VISA Infinite Privilege Card depends on several factors working together: your monthly income, your credit score, and your current credit history status. TD typically looks for applicants with income above C$60,000 annually and a credit score in the good to excellent range (660+). If your profile is negative with missed payments or outstanding collections, approval becomes significantly harder regardless of income level.

The bank's underwriting process weighs income stability heavily — salaried employment and consistent banking history strengthen your case. A credit score above 700 combined with no negative marks on your bureau report places you in the best approval bracket. Understanding where you stand before applying saves time and avoids unnecessary hard inquiries that can temporarily lower your score.

The TD Aeroplan VISA Infinite Privilege Card is an excellent choice for frequent travelers who can meet the annual income requirement of C$60,000+ and maintain a strong credit profile. The generous Aeroplan points earning rate — up to 3 points per dollar on eligible travel and groceries — combined with premium travel insurance and lounge access, makes the annual fee of C$499 worthwhile for those who fly regularly and value comprehensive coverage. If your income and credit score align with TD's criteria, this card delivers exceptional value in the Canadian premium travel rewards segment.