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Updated: December 01, 2023

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our sponsors.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware this post may contain links to products from our partners. We may receive a commission for products or services you sign up for through partner links.

The TD® Aeroplan® Visa Infinite Privilege* Card is the talk of the town among the travel-savvy and high-flyers.

Yes, it’s one of the best travel credit cards, and it’s also your ticket to a lavish journey with an incredible earn rate on Aeroplan® points. While the “privilege” cards bring a host of luxury travel perks, its annual fee is $599, making it a high-roller in the world of travel credit cards. If you’re a jet-setter who fancies the finer aspects of travel, this fee is but a small fare to a realm of upscale travel benefits (think Airport lounges, priority check-ins) and substantial insurance coverage. The The TD® Aeroplan® Visa Infinite Privilege* is also crafted in metal.

For those whose heart beats for extraordinary travel experiences, (and who meet the $150,000 minimum personal income eligibility criteria), the TD® Aeroplan® Visa Infinite Privilege* Card is like holding a VIP pass to a world of exquisite travel adventures. 

TD® Aeroplan® Visa Infinite Privilege* Card benefits and drawbacks



  • Welcome bonus up to 100,000 Aeroplan® points (up to $3,200 in value)
  • Complimentary Maple Leaf Lounge access and six worldwide lounge visits annually
  • Priority Boarding and Baggage Handling
  • High Aeroplan® earn rates, double points on eligible Air Canada purchases
  • Extensive travel insurance benefits
  • Free checked bags on Air Canada
  • Preferred Pricing on Aeroplan® flight rewards
  • Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
  • $100 CAD NEXUS credit


  • Steep annual fee of $599
  • High eligibility requirements ($150,000 personal or $200,000 household income)
  • Additional cardholder fee of $199
  • High-value rewards mainly for Air Canada flights

Welcome bonus

  • A generous welcome bonus of up to 100,000 Aeroplan points. Earn 20,000 points after the first purchase, 50,000 points upon spending $7,500 within 180 days of account opening, and a 30,000-point anniversary bonus when you spend $12,000 in the first 12 months). Up to $3,200 in value. Offer valid until January 3, 2024.

Earn rate

  • Earn two points for every $1 spent on direct Air Canada purchases, including Air Canada Vacations®.
  • Accrue 1.5 points for every $1 spent on eligible gas, travel, groceries and dining purchases.
  • Earn 1.25 points per $1 spent on all other purchases.
  • Double the points when paying with your card and providing your Aeroplan® number at over 150 partner brands and over 200 online retailers via the Aeroplan® eStore.

Airport benefits

  • Unlimited access to Maple Leaf Lounges within North America, including complementary access for one guest.
  • Through the Visa infinite Privilege* program, you get up to six complimentary DragonPass Airport lounge visits per year (over 1,200 airport lounges worldwide).
  • Priority check-in, boarding, baggage handling, and airport standby on Air Canada flights (for you and up to eight travelers on the same reservation).
  • Priority benefits like valet parking and fast track through security at Vancouver, Montreal, Ottawa and Toronto’s Billy Bishop airports. 
  • $100 NEXUS credit towards your application fee every 48 months. 

TD Aeroplan Visa Infinite Privilege Card: Insurance coverage

  • Travel medical coverage: Up to $5 million for the first 31 days of your trip (four days if you’re over 65)
  • Travel accident insurance: Up to $500,000
  • Trip cancellation insurance: $2,500
  • Trip interruption insurance: $5,000
  • Flight delay insurance: $1,000
  • Baggage delay insurance: $1,000
  • Lost or stolen baggage insurance: $2,500
  • Rental car insurance against theft and damages up to $85,000 for 48 consecutive days (Plus save 10% when you rent with Avis or Budget) 
  • Double the manufacturer’s warranty period on eligible purchases, up to 24 months in total.
  • Emergency cash advances up to $5,000.
  • Protection against damage or theft on eligible items purchased with your card for up to 120 days.
  • Hotel burglary insurance up to $2,500 for eligible personal items stolen belonging to the primary cardholder or eligible family members traveling with them.


  • Unlock an annual worldwide companion pass from $99 after spending $25,000 or more on net purchases.
  • Access to the complimentary Visa Infinite Concierge, available 24/7.
  • Save a minimum of 10% on car rentals in the U.S. and Canada through Avis and Budget.
  • Receive instant fraud alerts via mobile with TD Fraud Alerts.
  • Earn 1,000 Status Qualifying Miles and one Status Qualifying Segment towards Aeroplan Elite Status for every $5,000 spent (minus any returns/credits).
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when booking through the Visa Infinite Luxury Hotel Collection, with an additional eighth benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Enjoy 50% more points—and 50% more Starbucks Rewards—at participating Starbucks locations when reloading your card.
  • Earn one point for every $4 spent plus bonus points at the LCBO at checkout or online through the LCBO mobile app. 
  • Link your Aeroplan card with Uber and Uber Eats accounts and earn one point per $1 spent on eligible rides and food orders. 
  • Get gas discounts at Ultramar, Chevron and Pioneer. 

Offer not available to residents of Quebec.

† Terms and conditions apply.

TD® Aeroplan® Visa Infinite Privilege* Rewards

How to earn TD® Aeroplan® Visa Infinite Privilege* points

At its basic level, the TD® Aeroplan® Visa Infinite Privilege* Card earns points in the following ways:

  • 2 points per dollar on every direct purchase with Air Canada, including Air Canada Vacations®.
  • 1.5 points per dollar on gas, dining, travel, and grocery purchases. 
  • 1.25 points per dollar on everything else. 

When you put this card against other Aeroplan contenders, the TD® Aeroplan® Visa Infinite Privilege* card accelerates your point accumulation, especially on those everyday buys like gas and groceries.

There's a bit of a catch, though. There's a ceiling of $100,000 annually across all spending categories. Once you hit that, the earning rate takes a small dip to 1.25 points on all purchases. Yet, that base rate isn't too shabby, all things considered.

How to redeem your hard-earned Aeriplan points

To maximize your points value, it’s best to redeem points with Air Canada or on Aeroplan®’s website. 

You have many options from flights, flight upgrades (think first-class), hotels, car rentals, and vacation packages. You can use a combination of points and cash to get you on the right flight with the comforts you desire (e.g. high cabin class, in-flight Wi-Fi). Note there are no cash surcharges on flight rewards with Air Canada, but there may be taxes and third-party fees (e.g. airport fees) and you can use your points to cover those. 

You can book a flight reward on another airline (such as United, Lufthansa and Singapore), but there is a flat “Partner Booking Fee” of $39 per ticket (which you can pay with points). 

Know that Aeroplan® doesn’t stick to a fixed dollar value in flight redemptions. Your points’ worth sways with market value, distance and demand. So if you’re looking to squeeze out every ounce of value, there’s some number crunching involved.  

Alternatively, you can also donate points to a charity of your choice. For more, read the Aeroplan Points Guide.

TD® Aeroplan® Visa Infinite Privilege* benefits

  • After spending $25,000, you unlock a round-trip companion pass for only $99. 
  • Get priority check-in, boarding, baggage handling and airport standby for you and up to eight companions.
  • Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.

TD® Aeroplan® Visa Infinite Privilege* reviews: What people are saying about this card

The most common question asked is if this card is worth the $599 annual fee. Reddit user, Limp-toe-179, says it’s the Visa equivalent to the Amex Platinum, so if you have a good sign up bonus, consistently fly Air Canada and appreciate lounge access and insurance perks, this card could be right for you. 

However, Redditor “deltatix” says at this tier level, the Amex Aeroplan® Reserve card may make more sense. It’s no longer about pure earnings, but more so the special privileges and premium lounge access. Keep in mind, you can do a 1:1 transfer of AMEX MR points to Aeroplan. 

Finally, Reddit user "heatfromfirefromheat" offers a recommendation of the HSBC World Elite Mastercard. This card has no foreign exchange fees, unlimited lounge passes with DragonPass and much less expensive. Qualifying for this card, though, requires you to be a HSBC premier/private banking client. 

How the TD® Aeroplan® Visa Infinite Privilege* Compares

TD® Aeroplan® Visa Infinite Privilege* vs. American Express® Aeroplan® Reserve Card

The TD® Aeroplan® Visa Infinite Privilege* and the American Express® Aeroplan® Reserve cards are tailored for the frequent flyer, with a tilt towards Air Canada loyalists. Both cards have a hefty annual fee of $599, which they attempt to justify with a suite of travel-oriented perks. 

The TD card edges ahead with a welcome bonus offering up to 100,000 Aeroplan® points, but the Amex card, despite its lower sign-up bonus of 90,000 points, boasts a superior earning rate on Air Canada purchases (3X the points), dining and food delivery (2x the points), and 1.25x the points on everything else. 

When it comes to cozy travel experiences, both cards extend priority services like early boarding and baggage handling on Air Canada flights, alongside Maple Leaf Lounge access. Yet, the Amex card takes the luxury a notch higher with unlimited Priority Pass lounge access (subject to a usage fee), compared to the TD card's six passes. 

Both cards give you a $100 NEXUS fee rebate and an annual worldwide companion pass after $25,000 annual spend, though TD charges you $99 for it. 

TD® Aeroplan® Visa Infinite Privilege* vs. American Express® Amex® Platinum

The TD® Aeroplan® Visa Infinite Privilege* and American Express® Amex® Platinum cater to different audiences: the former to Aeroplan® members and frequent Air Canada flyers with perks like priority boarding, while the latter appeals to broader travel enthusiasts with extensive lounge access and hotel upgrades. TD's card excels in earning Aeroplan® points on Air Canada purchases, whereas Amex®'s card shines with a generous welcome bonus, a $200 annual travel credit, and global luxury travel benefits. Both cards provide robust insurance, but Amex has a slight advantage with a more comprehensive coverage, mirroring its broader travel benefits approach compared to TD's brand-specific focus.

The Amex Platinum has an annual fee of $799, but its $200 annual travel credit and $200 annual dining credit brings it down to $399. Both cards offer 100,000 welcome bonuses that both require a card renewal to fully unlock. 

If luxury perks like hotel upgrades (e.g. room upgrades, daily breakfast, late check out, etc.) at Hilton, Marriott and Radisson are what you desire most, the Amex® wins. And the Priority Pass membership with unlimited free entries, nearly $600 CAD in value, and you can bring a guest at no extra charge.’s final verdict on the TD Aeroplan Visa Infinite Privilege

The TD® Aeroplan® Visa Infinite Privilege* Card is a luxury, travel-focused card designed for high-income individuals. With its impressive welcome bonus, comprehensive travel benefits, and premium perks, it offers undeniable value for those who can leverage its features.

While the annual fee is steep, frequent travelers can easily offset this cost through the card's rich rewards structure and additional travel benefits. In short, if you're looking for a card that can provide luxury travel experiences and a high points earn rate, this may be the card for you.

About our author

Barry Choi
Barry Choi, Moneywise Contributor

Barry Choi is an award-winning personal finance and travel expert. He appears regularly on a variety of shows in Canada and the U.S., where he talks about all things money and travel. In addition to, his work has appeared in major publications, including The Globe and Mail, The Toronto Star, The Financial Post, and MoneySense magazine. Barry is an expert in personal finance, but he's passionate about credit cards, budget travel, debt management, and loyalty programs. His personal website is one of Canada's most trusted resources as he provides non-bias opinions on various financial products and services. When he's not writing or talking about financial literacy, you can find him travelling the world. Barry's favourite destinations are Japan, Jordan, and the Netherlands.


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