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Important information about changes to the TD® Aeroplan® Visa Infinite Privilege* Credit Card Account.
Starting April 30, 2025 , some changes are coming to our TD Aeroplan Products.
We've outlined how these changes will affect you and provided some answers to frequently asked questions.
If you still have questions, you can reach us at 1-800-983-8472.
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Important Updates
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Common Questions
Changes starting on April 30, 2025:
Effective from the first day of your statement period beginning in April 2025 and reflected on your May 2025 statement:
- Your annual interest rates on Purchases will increase.
- For Residents of Quebec only - Your annual interest rates on Cash Advances will increase.
Starting on April 30, 2025:
- We will increase the maximum fee for a promotional Balance Transfer. If you receive an offer, we will tell you the exact promotional Balance Transfer fee that will apply.
- We will apply a Credit Balance Administration Fee if there is a credit Balance on your Account and there has been no credit or debit activity on your Account for 12 consecutive billing cycles.
- We will change the Cash Advance Transaction fee, including how and under what circumstances we charge it.
- We will decrease the Returned Payment fee.
- You will earn more Aeroplan points on eligible Electric Vehicle Charging Purchases.
If you’re a Cardholder, please continue to use your existing Card and the changes will take effect automatically on the dates indicated above or in the comparison charts below. There's nothing you need to do.
Here’s what stays the same for existing Cardholders:
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For residents of Yukon and Nunavut. There’s no change to the annual interest rate that applies to your existing outstanding Balance posted to your April 2025 statement. All new Purchases after your April 2025 statement will be at the new annual interest rate.
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There’s no change to the value of your Aeroplan points.
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Your Card number, PIN and credit limit will remain the same, and there will be no change to your statement date.
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There’s no change to any regularly recurring bill payments set up on your Card (such as Internet or phone bills).
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There’s no change to any automated payments that have been previously set up on your chequing or savings account to pay your Card balance.
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There’s no change to the benefits and features included with your Card.
Here are the details regarding the changes:
Effective from the first day of your Statement Period beginning in April 2025 and reflected on your May 2025 statement. the "Annual Interest Rates" section of your Disclosure Statement will be amended as shown under the "New" column below.
Annual Interest Rates on Purchases
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Current |
New |
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20.99% |
21.99% |
Tips to help minimize the impact of the change
If you incur interest charges, make a payment as soon as possible and consider making more than one payment each month.
Annual Interest Rates on Purchases due to missed Payments
If we do not receive the full minimum payment by the Payment Due Date shown on your statement, or by your New Statement Date, twice within 12 consecutive statement periods, then we will increase the annual interest rates on the Account to the following higher interest rates:
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Current |
New |
|---|---|
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25.99% |
26.99% |
Tips to help minimize the impact of the change
Pay your full minimum payment amount by the Payment Due Date. To avoid increased interest rates due to missed credit card payments:
- You can ensure you never miss a payment by setting up pre-authorized debits from your bank account.
- Set up a calendar alert reminding you to make your payment by the Payment Due Date.
If you are experiencing financial hardship, please call us at 1-866-485-5354, Monday to Friday 8 a.m. to 9 p.m. ET, and Saturday 9 a.m. to 5 p.m. ET.
Annual Interest Rates on Cash Advances
The following Annual Interest Rate changes apply to Residents of Quebec only.
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Current |
New |
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20.99% |
21.99% |
Tips to help minimize the impact of the change
If you incur interest charges, make a payment as soon as possible and consider making more than one payment each month.
Here are the details of the changes starting April 30, 2025.
The “Other Fees” section of your Disclosure Statement will be amended as shown under the “New” column below.
Cash Advance Transactions Fee
The following Cash Advance Transactions Fee changes do not apply to Residents of Quebec.
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Current |
New |
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· If the Cash Advance Transaction occurs in Canada:
- We charge a 1% fee on the Cash Advance Transaction amount. - If the Cash Advance fee is less than $3.50, we will charge a minimum Cash Advance fee of $3.50 - If the Cash Advance fee is greater than $10.00, we will charge a maximum Cash Advance fee of $10.00 - We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.
· If the Cash Advance Transaction occurs outside of Canada:
- We charge a fee of $5.00 - We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.
· If the Cash Advance is at a PLUS* network ATM in Canada or outside of Canada:
- We charge a fee of $3.00 if you use a PLUS* network ATM to complete the Cash Advance Transaction - We do not charge the Cash Advance fee if the Account is in credit Balance when the Cash Advance Transaction occurs.
· We do not charge the Cash Advance fee for a Balance Transfer Transaction or TD Visa Cheque Transaction. |
We charge a 1% fee on the Cash Advance Transaction amount. We will charge a minimum fee of $3.50. The Cash Advance Transaction Fee will not exceed a maximum of $10.00. We do not charge the Cash Advance Transaction Fee if the Account is in credit Balance when the Cash Advance Transaction occurs. |
Tips to help minimize the impact of the change
- This fee change will only affect customers who make Cash Advance Transactions. Interest and fees apply. Instead, consider using your TD Access Card or bank account for access to cash.
Returned Payment Fee
The following Returned Payment Fee changes do not apply to Residents of Quebec.
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Current |
New |
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We will charge $48.00 for each dishonored payment you make. |
We will charge $10.00 for each dishonored payment you make. |
Tips to help minimize the impact of the change
This fee is decreasing. However, you can avoid it altogether by :
- regularly monitoring your bank account(s) to ensure sufficient funds are available for upcoming payments or Pre-Authorized Debits (PADs).
- setting up alerts on your bank account can help you monitor your balances.
Promotional Balance Transfer
The following Promotional Balance Transfer changes do not apply to Residents of Quebec.
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Current |
New |
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We charge 3% on a promotional Balance Transfer Transaction amount. |
We charge up to 5% on a promotional Balance Transfer Transaction amount. We will tell you the exact promotional Balance Transfer fee that applies when we make the offer. |
Credit Balance Administration Fee
The following Credit Balance Administration Fee changes do not apply to Residents of Quebec.
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Current |
New |
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Not applicable |
If your Account has a credit Balance, we will charge the lesser of $10 or the full Credit Balance amount if there has been no credit or debit activity on the Account for 12 consecutive billing cycles. |
Tips to help minimize the impact of the change
A credit Balance will appear on your statement as a negative balance.
To avoid the Credit Balance Administration Fee, you can continue to use the Account or contact us to refund the credit Balance.
Here is a comparison summary of the changes to the Aeroplan Terms and Conditions for the TD® Aeroplan® Visa Infinite Privilege* Card effective April 30, 2025.
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Current |
New |
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Bonus Rate: 1.5 Aeroplan points earned for each $1.00 in • Gas Purchases; • Grocery Purchases; • Travel Purchases; and • Dining Purchases.
2 Aeroplan points earned for each $1.00 in Purchases of Air Canada products. |
Bonus Rate: 1.5 Aeroplan points earned for each $1.00 in • Gas & Electric Vehicle Charging Purchases; • Grocery Purchases; • Travel & Transit Purchases; and • Dining Purchases 2 Aeroplan points earned for each $1.00 in Purchases of Air Canada products.
Annual Cap: $100,000.00
Note: This Annual Cap has not changed. |
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Table of Contents
Section 1: Definitions
Section 2: Earning Aeroplan points 2.1 How do you earn Aeroplan points when you use your TD Credit Card? 2.2 How we determine if a Purchase qualifies for the Bonus Rate? 2.3 Can you receive Offers? 2.4 How do the Aeroplan points I earn using my TD Credit Card get awarded to my Aeroplan Account?
Section 3: Redeeming Aeroplan points 3.1 How do you redeem Aeroplan points?
Section 4: General Terms 4.1 How can you check your Aeroplan points you have earned on your TD Credit Card? 4.2 What happens if there is an error with your Aeroplan points balance on your TD Credit Card monthly statement? 4.3 Can you combine Aeroplan points with a TD Rewards Program or a TD Cash Back Program?
Section 5: General Information 5.1 What is our limitation of liability for these Aeroplan Terms and Conditions for your TD Credit Card? 5.2 What if we do not act immediately if you do not follow your obligations in these Aeroplan Terms and Conditions for your TD Credit Card? 5.3 Can we change these Aeroplan Terms and Conditions for your TD Credit Card? 5.4 Can we cancel or terminate these Aeroplan Terms and Conditions for your TD Credit Card? 5.5 Can we cancel or terminate a Cardholder’s ability to participate in these Aeroplan Terms and Conditions for your TD Credit Card? 5.6 What are our rights if you do not follow these Aeroplan Terms and Conditions for your TD Credit Card? 5.7 What happens if part of these Terms and Conditions is invalid? 5.8 What laws govern these Terms and Conditions? 5.9 What language will be used?
Section 6: How to Contact Us |
Section 1: Definitions Section 2: Earning Aeroplan points Section 3: Redeeming Aeroplan points Section 4: General Terms Section 5: General Information Section 6: How to Contact Us |
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Section 2.1 You may earn Aeroplan points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. The number of Aeroplan points that you can earn will depend on the type of TD Credit Card you have. We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the Aeroplan points earned for this Purchase. |
You may earn Aeroplan points in only one of the Purchase Categories set out in the below chart when you make a qualifying Purchase and your Account is in Good Standing. Aeroplan points that you earn through a Purchase Category are in place of, and are not in addition to, the Base Earn Rate. The number of Aeroplan points that you can earn will depend on the type of TD Credit Card you have. We will round your qualifying Purchases posted to the Account up or down to the nearest whole dollar and then apply the Aeroplan points earned for this Purchase. If an Annual Cap is shown in the table below, the Bonus Rates for the Purchase Category will no longer apply when your total Purchases in that category exceed the Annual Cap in a year. If your total Purchases in the category exceed the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in the category for the remainder of the year. The year runs after your first statement period in January until the end of your statement period the following January. |
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Chart in Section 2.1 Each instance of the following words: Aeroplan points that you earn through the Bonus Rate set out below are in place of and is not in addition to the Base Earn Rate. Annual Cap: The Bonus Rate will no longer apply when the total Purchases qualifying for the Bonus Rate exceed $100,000.00 in a year. If you exceed the Annual Cap, you will earn the Base Earn Rate. The year runs after your first statement period in January until the end of your statement period the following January. |
Deleted
Note: This language has been removed from the chart, but moved to another portion of this Section 2.1 of this agreement |
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Section 2.2 Each instance of the following words: • "Gas Purchases: 5541 and 5542" • "Travel Purchases:" |
Replaced with the following words: • "Gas & Electric Vehicle Charging Purchases: 5541, 5542 and 5552" • "Travel & Transit Purchases:" |
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Section 2.2 Gas Purchases means buying gas or gas station services or products from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Gas Purchases.
Grocery Purchases means buying groceries or grocery items from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Grocery Purchases. |
Dining Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Dining Purchases.
Gas & Electric Vehicle Charging Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Gas & Electric Vehicle Charging Purchases.
Grocery Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Code for Grocery Purchases.
Travel & Transit Purchases means a Purchase from a merchant classified through the Visa payment network using the above noted Merchant Category Codes for Travel & Transit Purchases. |
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Section 2.3 Can you receive Offers? Occasionally, we may offer you limited time offers which may include: · Additional Purchase Categories; · Additional and/or increased earn rates for a Purchase Category; · Benefits with select merchants; and/or · Bonus Aeroplan points.
Additional terms and conditions will apply to such offers and such terms and conditions will be available to you at the time the offer is made. |
Deleted
Note: This language has been removed from the agreement, but your ability to receive offers has not changed. |
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All references to section "2.4" throughout the agreement |
Replaced with section "2.3" throughout the agreement |
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Not applicable |
Section 5.9 What language will be used? For Residents of Quebec You acknowledge that you were provided with the French version of this agreement and that, after first having had the opportunity to examine the French version, you have expressly requested to be bound only by the English version of this agreement and that all documents directly or indirectly related to it be drawn up in English only. Vous reconnaissez qu’une version française de cette entente vous a été remise et qu’après avoir eu la possibilité de prendre connaissance de la version française, vous avez expressément demandé d’être lié uniquement par la version anglaise de cette entente et que tous les documents s’y rattachant directement ou indirectement soient rédigés exclusivement en anglais. |
No, there is no action required. You can continue using your TD Credit Card as you do today, up to, and after April 30, 2025.
Rest assured that there’s no change to the current redemption value of your Aeroplan points or points balance, and they will continue to be honoured on a one-to-one basis.
No, there will be no change to your credit card number or PIN number. They will remain the same.
There will be no change to your credit card number, and you don't need to update any existing pre-authorized debit (PAD) information.
Yes. There will be no change to the way you access your credit card account through EasyWeb® Online banking or the TD mobile app.
You will now earn bonus points on Electric Vehicle Charging, in addition to the points you were previously earning on eligible gas purchases.
Yes, the Annual Interest Rate will increase from 20.99% to 21.99% for Purchases
Yes, the Cash Advance Rate will increase from 20.99% to 21.99% for Cash Advances (including Balance Transfers and Cash Like Transactions).
The fee is being simplified to a 1% fee, or $3.50 minimum, to a maximum of $10.00. We are removing any additional PLUS* network ATM fees.
This fee is being reduced from $48.00 to $10.00.
The Credit Balance Administration Fee only applies if there is a credit Balance (i.e. negative statement balance) on your Account and there has been no credit or debit activity on your Account for 12 consecutive billing cycles. The fee is the lesser of $10.00 or the full credit Balance amount.
This fee is not applicable if your account balance is zero or greater.