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Discover your TD Low Rate Visa* Card

To save or print a copy of this guide, download the PDF.

Welcome to your new TD Low Rate Visa* Card

Quick steps to getting started and making the most of your Card

  1. Register for EasyWeb® Online banking to access and manage your Account online and sign up for online statements.

  2. Download the TD app to view your Account and bank almost anywhere. Learn more.

  3. Learn how to set up your Card on your phone to pay for purchases at participating retailers through Apple Pay1, Google PayTM,1 and Samsung Pay1

  4. Update your Card as the Primary Card on your favorite retail apps2 like auto-reloads, food delivery and transportation to enjoy convenience for your everyday purchases.

  5. Set up your regularly recurring bill payments on your Account to save time and avoid late fees.

  6. Link your TD Card with your Starbucks® Rewards account and earn 50% more Stars at participating Starbucks stores. Conditions apply. Learn more.

Enjoy the value and convenience of:

  1. A low annual interest rate on Purchases and Cash Advances

  2. Security and protection for your Card when you shop and travel

Add Additional Cardholders

Add up to three Additional Cardholders3 at no Annual Fee.

Save with Avis Rent A Car and Budget Rent A Car

Save a minimum of 10% on the base rates 4, 5 in Canada and the U.S., and a minimum of 5% on the base rates 4, 5 internationally, on qualifying car rentals at participating Avis and Budget locations.

  • Avis: You can reserve your Avis car rental by visiting Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation and charge the full rental to your TD Low Rate Visa* Card.
  • Budget: You can reserve your Budget car rental by visiting Quote Budget Customer Discount (BCD) #A331700 at time of reservation and charge the full rental to your TD Low Rate Visa* Card.

Get the help you need with optional TD Auto Club Membership

With an optional Deluxe or Standard TD Auto Club Membership6, you and your family will know that in the event of a road emergency, help is just a phone call away.

Explore the insurance coverage included with your TD Low Rate Visa* Card

Shop with Purchase Security and Extended Warranty Protection7, and learn about optional TD travel insurance coverages.

Purchase Security and Extended Warranty Protection7

You automatically have access to Purchase Security and Extended Warranty Protection7, which includes coverage for eligible new items you’ve purchased with your Card:

  • Repair, replacement, or reimbursement should eligible items be lost, stolen or damaged within 90 days of purchase
  • Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer's warranty valid in Canada

Enhance your TD Low Rate Visa* Card with optional benefits

With your TD Low Rate Visa* Card, you have the option to purchase additional insurance benefits.

TD Travel Insurance is available to you

Optional Travel Medical Insurance8

When you're travelling, the last thing you want to worry about is your emergency medical coverage. As a TD Low Rate Visa* Cardholder, you have the option to purchase TD Travel Medical Insurance before you leave for your trip. You'll enjoy:

  • Comprehensive emergency medical coverage up to $5 Million, if eligible, for when you are travelling outside of your province or territory of residence, whether internationally or within Canada
  • No out-of-pocket costs for eligible emergency medical expenses
  • 24/7 emergency medical assistance

Optional Trip Cancellation and Trip Interruption Insurance9

TD Insurance offers Trip Cancellation & Interruption Insurance to help protect your travels when purchased before your trip. Whether your trip has been cancelled before you depart, or you’re forced to return ahead of schedule due to a covered cause, you have an insurance option that can help protect you from being stuck with eligible unexpected expenses.

For information about Travel Medical Insurance, or Trip Cancellation and Trip Interruption Insurance, and how to enroll, click here or call 1-800-293-4941.

Prepare with optional TD Credit Card Payment Protection Plan10

Optional Payment Protection Plan10 is designed to help pay down the outstanding balance on your TD Low Rate Visa* Card in the event of your Job Loss, Total Disability, or Loss of Life.

To learn more about optional Payment Protection Plan or to enroll, call 1-866-315-9069 or visit

Enjoy the convenience of your TD Low Rate Visa* Card

Discover all the features that make using your Card more convenient every day, from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

  1. If your TD Credit Card is damaged or not working, you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at 1-800-983-8472.

  2. If your TD Credit Card has been lost or stolen, you must immediately report this to us by phone at 1-800-983-8472.

  3. Fast, reliable access to cash. You can ask for an emergency Cash Advance of up to $500 in emergency funds (subject to your available credit limit), at over one million ATMs internationally, at all TD Canada Trust branches and at select financial institutions around the world.

  4. Getting information when you need it. The TD Credit Card Contact Centre can provide you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

Ways to Pay

Mobile Wallets are accepted by many shops, restaurants, and retailers, making it a convenient and easy way to pay for everyday purchases with just a tap of your phone1. Learn more.

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa Card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay Visa icon where Visa is accepted.

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

Manage your Account, your way

Balance Transfers

Consider consolidating any higher-rate non-TD credit card balances you may have to your TD Low Rate Visa* Card Account through a Balance Transfer11. You can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of a balance transfer.

Visit your TD branch or call 1-800-983-8472.

Payment Plans

Turn credit card purchases into manageable monthly payments. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project. (Conditions apply. Visit for details.)

Explore your TD Low Rate Visa* Card  security and protection

Protecting the security of your Card should always be a priority. That’s why your TD Low Rate Visa* Card comes with features that help protect you when you shop online and in-person.

Security Features

  1. Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities including your responsibility to protect your PIN.

  2. Lock or unlock your Card. Misplaced your TD Credit Card? Feel more confident by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

  3. Shop with confidence with Chip & PIN technology. Chip & PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Personal Identification Number (PIN) Security Tips

  • Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday.
  • Never write down your PIN.
  • Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
  • Never let anyone else know or use your PIN or use your Card.
  • Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN at a TD branch or 24/7 at any TD ATM.

24-hour Fraud Protection

Our enhanced protection measures are part of an industry-wide effort to protect you from the inconvenience of Credit Card fraud. In the event that our advanced fraud prevention system detects unusual activity relating to your Account:

  • You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD Credit Card Account.
  • During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.
  • Your Card may be temporarily blocked until we can contact you for verification.
  • You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD Low Rate Visa* Card, or on any Additional Cardholder's Card on your Account. Learn more.

More about your TD Low Rate Visa* Card