1 Customers with an All-Inclusive Banking Plan ("All-Inclusive Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card per calendar year. TD Credit Card is subject to credit approval.
The
"Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD Aeroplan® Visa Infinite Privilege* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The
"Annual Fee Rebate" is:
- Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139; and
- Up to $75 towards the annual fee charged for one Additional Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for one Additional Cardholder if that amount is less than $75.
The Annual Fee Rebate amount will not exceed the annual fee charged to the Eligible TD Credit Card for the Primary Cardholder and an Additional Cardholder.
An All-Inclusive Account provides a maximum of one rebate for the Primary Cardholder, and one rebate for an Additional Cardholder annual fee (where applicable). This means:
- If you have an All-Inclusive Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible Credit Card with the highest number of Additional Cardholders, or, if multiple Eligible Credit Cards have the same number of Additional Cardholders, to the Eligible TD Credit Card opened first.
- If the All-Inclusive Account is a joint account, only one accountholder can receive an Annual Fee Rebate. We will apply the rebate to the Eligible TD Credit Card in accordance with the criteria above. For greater certainty, the Annual Fee Rebate will no longer be provided to one of the accountholders ("Customer A") if the other accountholder ("Customer B") obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee. In this scenario, once Customer B obtains an Eligible TD Credit Card with a higher Primary Cardholder annual fee, Customer B will become eligible for the Annual Fee Rebate. Customer A will be charged the annual fee for their TD Credit Card in the anniversary month when Customer A's card annual fee was first charged and continue to be charged annually thereafter, without receiving an Annual Fee Rebate.
In order to receive the Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an All-Inclusive Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged
- At the time the annual fee is charged to your Eligible TD Credit Card, the All-Inclusive Account and the Eligible TD Credit Card must be open and in good standing
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of the Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
2 Basic cheques ordered online through EasyWeb.
3 Minimum monthly balance indicated must be maintained at the end of each day in the month to qualify for the fee rebate.
4 For more information about transactions and a complete list of account fees and other service fees, see
About our Account and Related Services.
5 Customers with a TD Unlimited Chequing Account ("Unlimited Account") are eligible for an Annual Fee Rebate (defined below) on one Eligible TD Credit Card for the first calendar year the card is open. TD Credit Card is subject to credit approval.
The
"Eligible TD Credit Cards" are: TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel® Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card.
The
"Annual Fee Rebate" is:
- Up to $139 towards the annual fee charged for the Primary Cardholder of the Eligible TD Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $139.
No rebate is provided for the Additional Cardholder annual fee. The amount of the Annual Fee Rebate will not exceed the annual fee charged to the Eligible TD Credit Card.
An Unlimited Account provides a maximum of one Annual Fee Rebate. This means:
- If you have an Unlimited Account and you have more than one Eligible TD Credit Card, only one Eligible TD Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible TD Credit Card with the highest Primary Cardholder annual fee, or,if multiple Eligible TD Credit Cards have the same Primary Cardholder annual fee, to the Eligible TD Credit Card opened first.
- If the Unlimited Account is a joint account, only one accountholder can receive an Annual Fee Rebate We will apply rebate to the Eligible TD Credit Card in accordance with the criteria above.
In order to receive an Annual Fee Rebate on your Eligible TD Credit Card:
- You must have an Unlimited Account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged.
- At the time the annual fee is charged to your Eligible TD Credit Card, the Unlimited Account and the Eligible TD Credit Card must be open and in good standing.
The Annual Fee Rebate will be applied within two monthly statements from the date of the statement with the annual fee charge.
Closing your Eligible TD Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.
If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the TD Credit Card Account and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible TD Credit Card. The terms of this Annual Fee Rebate may be changed, withdrawn, or extended at any time.
This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate applicable to the Eligible TD Credit Card.
6 You may pay a fee to the ATM provider.
7 Unlimited public transit transactions includes public transportation purchases made at most Canadian public transit agencies, including commuter transportation, boat lines and bus lines. Purchases must be made through a Point of Sale (POS) device or online.
8 You pay no monthly fee if you are:
- Guaranteed Income Supplement recipients
- Registered Disability Savings Plan beneficiaries
- Indigenous Peoples from Canada
- Newcomers to Canada (for 1st year in Canada)
Proof of eligibility is required: government letter confirming GIS eligibility; proof of beneficiary status on an RDSP; confirmation of membership/citizenship in an Indigenous community in Canada; or confirmation of Permanent Residency or Temporary Residency in Canada.
9 Subject to credit approval. The account holder must be age of majority in their province of residence to apply for Overdraft Protection Service (ODP). Amount in overdraft is subject to an interest rate of 21% per annum. If the type of TD Chequing Account is switched, the ODP fee may be impacted.
10 Rebate of $3.00 U.S. on Borderless Plan monthly fee for customers that have maintained an All-Inclusive Banking Plan throughout the entire month.
11 You pay no monthly fee if you have the minimum monthly balance indicated or more in your account at the end of each day in the month.
12 TD Growth Savings Account Boosted Rate (Terms and Conditions)
TD Growth Savings Account customers can become eligible in the current month to earn and receive the Boosted Rate in the following month on the total daily closing balance each day it is $5,000 or more.
Step 1: Have an eligible TD Chequing Account
Eligible TD Chequing Accounts include:
- TD Unlimited Chequing Account
- TD All-Inclusive Banking Plan
- TD Wealth Private Banking Chequing Account
Step 2: Complete two out of three Qualifying Monthly Transactions
Two of the three Qualifying Monthly Transactions must be completed from an eligible TD Chequing Account by the last day of the current month, to earn and receive the Boosted Rate in the TD Growth Savings Account in the following month.
The Qualifying Monthly Transactions can be completed from one or more eligible TD Chequing Account(s) and at least one account holder must be the same as an account holder of the TD Growth Savings Account.
Qualifying Monthly Transactions include:
- Direct Deposit from an employer, pension provider or the Government.
- Pre-Authorized Debit payment.
- Online Bill Payment through TD EasyWeb or the TD app
Whether or not a recurring Direct Deposit is acceptable is subject to our approval.
How the Boosted Rate Works
If you meet the eligibility requirements by the end of the current month, in the following month the Boosted Rate is applied instead of the Standard Posted Rate on the total daily closing balance each day it is $5,000 or more in the TD Growth Savings Account. If you do not meet the eligibility requirements, the Standard Posted Rate will apply.
The Boosted Rate is calculated in the same way as the Standard Posted Rate, see
How Our Interest is calculated for details.
Fulfillment
Boosted Rate interest is normally paid on the last business day of the following month from when the customer becomes eligible with payment occurring no later than 60 days from that date. The TD Growth Savings Account must remain open and in good standing to receive the Boosted Rate interest.
Additional Terms
- For any TD Growth Savings Account that is a joint account, at least one account holder on the TD Growth Savings Account must be the same as an account holder of an eligible TD Chequing Account(s) and complete at least two of three Qualifying Monthly Transactions.
- TD may change, replace, add, or remove any section of these Terms and Conditions at any time. If required by law, we will notify you of the changes; the notice can be made through any of the following methods: EasyWeb, TD.com, TD App, paper mail, or email.
- TD reserves the right to suspend, limit, withdraw, or reverse the Boosted Rate from account holders who are determined to be ineligible, or are suspected of fraudulent conduct, abusive behaviour, gaming the system, or violation of these Terms and Conditions.
13 For more information on Interest, see
How Our Interest is calculated.
14 No Transaction fees for transfers or pre-authorized transfer services from this account to another TD chequing or savings account, except for transfers by cheque or through Interac e-Transfer® which are treated as Debit transactions.
15 This account earns a higher rate of interest than the TD Every Day Savings Account.
16 No transaction fees for transfers from this account to another TD chequing or savings account when using EasyWeb Internet Banking or the TD app, except for transfers by cheque or through Interac e-Transfer® and no transaction fees for pre-authorized transfer services from this account to another TD chequing or savings account. All other transfers between accounts are treated as Transactions.
Last updated: October 2, 2026
