TD Aeroplan Visa Infinite Privilege Review

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Are you ready for a TD Aeroplan Visa Infinite Privilege review? The card is TD’s top tier Aeroplan Card and won’t disappoint. It comes with a high earn rate and additional benefits, but it also has a high annual fee of $599. The welcome bonus includes an Air Canada Buddy Pass, which can be worth hundreds of dollars, but not everyone will find it useful.

Travellers who fly Air Canada on a regular basis will likely love the new benefits that come with the card since it includes free checked bags and lounge access. But is this card a good fit for casual flyers? Read my TD Aeroplan Visa Infinite Privilege review now and find out.

TD Aeroplan Visa Infinite Privilege Card

  • $599 annual fee
  • Earn 20,000 Aeroplan points after your first purchase
  • Earn 8,500 Aeroplan points when you spend $1,000 each month, for 10 months (85,000 points total)
  • Earn 2 Aeroplan points per $1 spent on Air Canada purchases, 1.5 points on gas, and groceries, and 1 point on all other purchases
  • First bag checked free, priority check-in & boarding on Air Canada flights
  • Maple Leaf Lounge access in North America

TD Aeroplan Visa Infinite Privilege Card is TD’s premium Aeroplan card. It comes packed with benefits which is why many people consider it one of the best Aeroplan credit cards and arguably one of the best travel credit cards in Canada. I personally think it’s a great card for frequent Air Canada flyers since you get so many rewards.

The welcome bonus points are quite attractive and are currently worth up to 105,000 Aeroplan points. That’s comparable to other premium Aeroplan credit cards, but you only get 90 days from account opening to meet the spend amount. As part of your sign up offer, you’ll usually also get an Air Canada Buddy Pass that can be used anywhere within North America including Hawaii and Mexico. This is a very valuable bonus since the travelling companion only has to pay taxes and fees. There are no blackout dates with the Buddy Pass, so you can get a lot of value out of it.

What really makes this card appealing is the Air Canada benefits. Priority check-in, priority boarding, priority baggage handling, and your free first checked bag on Air Canada flights definitely make the travel experience better. Also, you and a guest get unlimited complimentary access to Maple Leaf Lounges (airport lounges) and Air Canada Cafés in North America. A Priority Pass membership is also included, but you only get6 free annual lounge passes. These passes should be used whenever there’s no Maple Leaf Lounge available to you.

The regular earn rate is 2 Aeroplan points per $1 spent on Air Canada. 1.5 Aeroplan points per $1 spent on grocery, gas stations, travel, and dining. All other purchases earn you 1.25 miles per $1 spent. That’s a respectable rate, but some people consider it a bit low considering the annual fee of $599.

One nice travel benefit included is the NEXUS fee reimbursement. Some people may not bother getting a NEXUS membership, but I find it very useful. It’s not only good for U.S. travel, but it’s great when you return home from an international trip and you can use the NEXUS kiosk to quickly clear customs.

For those who value Aeroplan Elite Status, the primary cardholder will earn 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases. 

Since this card never offers the first year free or application fee rebates for the annual fee, there’s no point in waiting for a better deal. But even at $599 a year, the perks are clearly worth it.

TD Aeroplan Visa Infinite Privilege insurance

In this TD Aeroplan Visa Infinite Privilege review, I’m going to go over the included insurance. As a premium credit card, you would expect there to be a decent amount of insurance. Fortunately, this card does not disappoint.

Travel insurance

  • Travel medical – $5,00,000 for 31 days / 4 days if you’re 65 or older
  • Trip cancellation – up to $2,500 per person / $5,000 total
  • Trip interruption – up to $5,000 per person / $25,000 total
  • Flight/trip delay – up to $1,000 / 4 hours
  • Delayed and lost baggage – up to $1,000 / $2,500
  • Common carrier travel accident insurance – $500,000
  • Hotel/motel burglary – $2,500
  • Auto rental collision / loss damage – 48 consecutive days / $85,000

As a top premium travel card, the TD Aeroplan Visa Infinite Privilege travel insurance coverage doesn’t disappoint. The only thing I would criticize is the travel medical insurance for those aged 65+ since it only covers 4 days.

The individual payouts are quite generous, but hopefully, you never need to make a claim. In case you didn’t know, you get travel medical insurance just for having the card, but with the extended travel insurance, such as trip interruption insurance, and baggage insurance, you need to charge your travel purchases to your TD Aeroplan Visa Infinite Privilege card.

Overall, you’re getting a comprehensive travel insurance package with this card.

Purchase insurance

  • Mobile device insurance
  • Purchase security
  • Extended warranty

The TD Aeroplan Visa Infinite Privilege card comes with $1,500 in mobile device insurance. Most credit cards in Canada with mobile device insurance only cover you up to $1,000, so this card gives you more.

Purchase security, sometimes known as loss damage insurance, is a benefit that you likely won’t use, but if you ever need it, you’ll be glad you have it. Basically, it protects your purchases from loss damage and theft for 90 days from the time of your purchase. As for the extended warranty insurance, your manufacturer’s warranty is doubled up to one additional year.

How Aeroplan works

The Aeroplan program is easily one of the most popular travel rewards programs in Canada since you can claim flight rewards on Air Canada and its partner airlines. Basically, as you accumulate points, you can redeem them for different categories such as flights, car rentals, merchandise, gift cards, and more.

Most people will pick flights as their redemption since it gives them the most value for their points. That said, the number of points required for a free flight can vary quite a bit since Air Canada uses dynamic pricing and zone/distance chart for Air Canada redemption flights. However, Aeroplan partners have a fixed points redemption schedule, so there is value there.

When applying for your new credit card account, you need to add your Aeroplan number. If you don’t have one already, TD will set up an Aeroplan account for you. Adding additional cardholders can help you earn more points.

Besides getting free flights, what makes Aeroplan appealing is that it’s easy to earn points. You earn points when flying, with your credit card, through the Aeroplan estore, at participating merchants and online retailers.

How the Air Canada Buddy Pass works

The Air Canada Buddy Pass is a new benefit that comes as part of the welcome bonus for many Aeroplan credits cards. Basically, when the first passenger pays the full fare, they can purchase a second ticket for the same itinerary where you would only have to pay the taxes and third-party fees. There is a base fare of $0. It’s valid for travel anywhere within North America including Hawaii and Mexico with no blackout dates. The Air Canada Buddy Pass can easily save you hundreds of dollars. You can read more about the Air Canada Buddy Pass here.

How the TD Aeroplan Visa Infinite Privilege compares to others

The closest comparable card to the TD Aeroplan Visa Infinite Privilege is the American Express Aeroplan Reserve Card. Both have an annual fee of $599, but the Amex card has an earn rate of 3 Aeroplan points per $1 spent on Air Canada purchases. 2 points per $1 spent on dining and food delivery. And, 1 point per $1 spent on all other purchases.

If most of your spending is on Air Canada, Air Canada Vacations and dining, then go with the Amex card. However, if you spend a lot on groceries, gas, and other types of travel, the TD Aeroplan Visa Infinite Privilege Card is the better choice.

It’s also worth noting that the Amex card does not come with any free lounge passes to Priority Pass lounges and the travel insurance with the TD Aeroplan Visa Infinite Privilege card is better. However, the Amex card has no income requirement, so you can get a premium travel credit card even if you don’t make a ton of cash.

Final thoughts

My TD Aeroplan Visa Infinite Privilege review is positive. This card is clearly aimed at people who fly on Air Canada on a regular basis. Even though there’s no annual fee rebate, the $599 is reasonable for the benefits included.  The welcome bonuses have been pretty good as of late, so it’s a great card if you’re looking to earn a lot of Aeroplan points fast. If you find the fee to be too high, consider the TD Aeroplan Visa Infinite Card, but understand you’ll get fewer benefits such as no access to Air Canada Maple Leaf Lounges.

If you do decide to apply for a new card, keep in mind this is a Visa Infinite Privilege Card, so it requires a minimum of $150,000 annual personal income or $200,000 annual household income to qualify. You also need to be a Canadian resident with a credit score in good standing.

TD Aeroplan Visa Infinite Privilege Review

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi


  1. Aaron on March 13, 2021 at 8:10 AM

    Does the air canada lounge access comes with a complimentary guest?

    • Barry Choi on March 13, 2021 at 1:03 PM

      No, you only get free access for the primary and supplementary cardholders.

      • Andrea Peach on February 18, 2022 at 10:00 AM

        Why is your answer no? I copied the information below from your write up.

        “Also, you and a guest get unlimited complimentary access to Maple Leaf Lounges and Air Canada Cafés in North America.”

        • Barry Choi on February 18, 2022 at 10:43 AM


          When the card was first released, there was language in the terms and conditions that said there were no guests allowed. However, since then, people have confirmed that you can indeed bring a guest in.

  2. Christopher on June 24, 2021 at 1:58 PM

    BEWARE everyone! I got the card on April 1, 2021. Spent $1000 right away. No buddy pass. Air Canada Aeroplan says it is because TD has not credited the account. Now I have spoken to customer service agents at TD who say that after 90 days, they check to see if you met the minimum spend. Then it takes 8 weeks to process the Buddy Pass.

    So 5 months in order to get this benefit… By that time the conversion to 30,000 Aeroplan points may no longer be an option.

    • Barry Choi on June 24, 2021 at 4:11 PM


      TD has definitely taken a LONG time to deposit the Buddy Pass into the account for many people. I’m on month 4 right now and still waiting.

  3. Amy on March 15, 2022 at 10:39 PM

    I have TD Aeroplan Visa Infinite Privilege credit card.
    (1) Do I get the first bag checked free if I bought the Air Canada ticket with a different credit card?
    (2) If my Air Canada reservation included me and my husband, would he also get the first bag checked free? Is it up to 9 people to get the first bag checked free under the same reservation?


    • Barry Choi on March 16, 2022 at 7:00 AM

      Hi Amy,

      You get your first bag checked free on Air Canada flights as long as you hold the card, regardless if you paid for the ticket with the card. Your husband does get his first bag checked free as long as he’s on the same reservation as you.

  4. JL on May 14, 2022 at 8:09 PM

    Hi Barry, does the priority 2 boarding and access to free checked bag kick in? Just show your card at check-in?

    • Barry Choi on May 15, 2022 at 6:22 AM

      Yes, once you have the card, it’s tied to your Aeroplan number. Zone 2 boarding will automatically show up on your boarding pass. As for the free checked luggage, I’m not sure if it automatically displays when checking bags online or if you have to go to the counter when at the airport.

  5. Kim Goodman on June 1, 2022 at 6:56 PM

    Hi Barry
    Is the trip delay insurance valid even if I didn’t purchase my tickets using this TD privilege card?

    • Barry Choi on June 1, 2022 at 9:01 PM


      You must pay for your flights with your card for the trip delay insurance to be valid.

  6. Shaheemstar on June 6, 2022 at 3:33 PM

    Barry – It would be nice to get a comparison versus CIBC Visa Aeroplan Infinite Priviledge

  7. Shaheemstar on June 6, 2022 at 3:51 PM

    As part of your sign up offer, you’ll usually also get an Air Canada Buddy Pass that can be used anywhere within North America including Hawaii and Mexico.

    I don’t see this being offered on TD’s website

    • Barry Choi on June 6, 2022 at 5:16 PM


      The current welcome bonus is for points only. There is no Buddy Pass currently being offered.

  8. Raman on June 15, 2022 at 4:44 PM

    Hi Barry,

    Are the priority benefits on the td card only provided on certain fares or any? And do they have to be a rewards ticket purchased?

    Thank you 🙂

    • Barry Choi on June 15, 2022 at 5:04 PM

      Hey Raman,

      The benefits apply to both revenue and award tickets of all fare types.

  9. Brandon on June 26, 2022 at 11:18 AM

    Hey Barry
    Does lounge access apply if I use another card to book my flight? I travel a lot for work and the majority of my flights are booked on a corporate card.

    • Barry Choi on June 26, 2022 at 1:32 PM

      Hey Brandon,

      You get lounge access just by having the credit card. You do NOT need to book your flights with the card.

  10. neil staite on August 9, 2022 at 3:34 PM

    Hey Barry –
    As super-elite, I see you can roll over SQM’s and E-Upgrades – which is huge.
    Have you heard of any red-flags on these (fine print etc etc …?)

    • Barry Choi on August 9, 2022 at 4:33 PM

      Hey Neil,

      No red flags that I’m aware of. Many people have picked up this card just for the rollover option. It certain helped me. Those e-upgrade credits that I rolled over were used for a business class flight to London.

      On a side note, you don’t happen to work in broadcasting do you? If so, we worked together in the early 2000s

  11. neil staite on August 9, 2022 at 4:45 PM

    oh ya – we rode through 299 together!
    Glad to see you’ve built a fantastic new machine for yourself.

    probably with picking up the card for the same thing to roll over the 50 upgrade credits and my SQM’s!

    • Barry Choi on August 9, 2022 at 4:49 PM

      Ha yeah,

      Glad I got to experience the glory days of television.

      Yes, having the card just for the rollover bonus is worth it. Free checked bags and priority services are will be useless if you’re already super elite, but the rollover is worth it.

      Also, it’s worth thinking about how often you travel and where you fly to. I use my Aeroplan Privilege card for MLL access when available, but I also have the Amex Platinum Card for international lounge access. Paying $1,200 a year in annual fees may seem crazy, but I value lounge access a lot.

      • neil staite on August 9, 2022 at 4:53 PM

        yep – I’m lucky to steer my flights to Star Alliance so always have access to a lounge of some sort. And use the Amex Bonvoy business card. Wish you could stack the 15 nights on the Personal and Business Bonvoy cards like you can in the USA

        • Barry Choi on August 9, 2022 at 4:57 PM


          Oh you can. It just requires a bit more work –

          The US personal and business cards stack the 15 elite nights. So if you have both, you start with 30 nights a year. Getting another 20 for Platinum is easy. If you travel regularly, it wouldn’t be so hard to get Titanium.

          Sure, setting up a US profile requires a little bit of work, but I think it’s worth it if you’re chasing status. I’m sitting in a Marriott hotel in San Diego right now.

          US Amex Bonvoy cards also have no foreign transaction fees.

  12. James Lin on August 11, 2022 at 2:48 PM

    Great website. Do you know how strict the $150k income requirement is? Eg. if I make between $100k and $149k, have good credit history with the TD Aeroplan Visa Infinite, and have a sparkling credit score, is it worth applying for the Infinite Privilege?

    Also, on a more philosophical note, I expect that holders of this card will tend to fly business class, so is the Maple Leaf Lounge access associated with this card really that valuable?


    • Barry Choi on August 11, 2022 at 4:23 PM


      Let’s just say that TD will unlikely verify whatever income you put on the application. If that theoretical number happens to be over $150K, you’d likely be approved if you have a good credit score.

      As for lounge access, it’s a preference. There’s no denying that Maple Leaf Lounges are better than Plaza Premium lounges. If you travel within Canada a lot, having that access is worthwhile. However, if you fly internationally a lot, you’d likely be better off with the American Express Platinum card since it gives you access to more lounge world-wide.

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