Use My Credit Card Features

Looking for a credit card? View TD Credit Cards.

Make small purchases with a wave of your Card!

  • Contactless payment is a fast, convenient and secure way to make small purchases directly with just a wave of your Card. TD Credit Cards with chip & PIN technology come equipped with this capability. Look for the contactless symbol on merchant point-of-sale terminals, just like the symbol you see on your Card.

How does contactless payment work?

TD Credit Cards with chip & PIN technology can wirelessly connect with a secure reader on a merchant's point-of-sale terminal. It’s simple and quick:

Depending on the terminal, either wave or tap your TD Credit Card in front of the device.

Payment information is securely transmitted in just a matter of seconds.

Wait for the beep and you’re done – all without ever letting your Card out of your hand!

For more information about making contactless payments or about the chip & PIN technology enabled on your TD Credit Card, please visit the Visa* website.

Chip & PIN Technology

  • Embedded microchip

    Embedded microchips store information in a secure, encrypted format.

  • Extra protection

    The microchip makes it more difficult for unauthorized users to copy or access the information on the Card.

  • PIN required

    The chip in the Card requires you to enter your Personal Identification Number (PIN) to use the Card.

  • In the U.S.

    U.S. merchants continue to upgrade to chip & PIN-enabled terminals. If you are at a merchant where PINs are not yet accepted, you will sign your receipt.

How to use Chip & PIN

  • Chip & PIN technology is already in use worldwide and has been proven to help reduce fraud.
  • If you are making a purchase at a store without a chip-enabled terminal, you can still make purchases with your TD Credit Card using the magnetic strip. So if you are in a store that doesn't have a chip terminal, you can make transactions by signing a receipt.
  • Your TD Credit Card will also work outside Canada. You will be asked to sign a receipt in countries that do not have chip-enabled terminals. In countries with chip-enabled terminals, you will be asked to key in your PIN.
  • Only you should know your PIN. If a merchant asks you for your PIN do not provide it to them.
  • Additional Cardholders will receive their own TD Credit Card number with Chip & PIN technology and they will have their own unique PINs. Statements will show transactions broken out by which Card performed the transaction.

Reset my PIN

Simply use one of the relevant options below:

  • For TD Credit Cards excluding US Dollar Cards, your PIN can be reset at any TD Canada Trust Green Machine (ATM) or TD Canada Trust Branch, or call us at 1-800-983-8472 to have a new PIN mailed to you.
  • TD U.S. Dollar Visa* Cardholders only: Your PIN can only be changed/reset by calling our automated phone line (IVR) at 1-800-983-8472. You cannot change/reset your PIN at a TD Canada Trust Branch or TD Canada Trust Green Machine (ATM).

Need Help?

Find out more about our credit cards

Have a question? Find answers here