"What Aeroplan earn rates does the TD Aeroplan Visa Infinite Privilege offer?"

"The TD Aeroplan Visa Infinite Privilege earns Aeroplan points at elevated rates on Air Canada purchases and everyday spending categories. Cardholders typically earn 2 Aeroplan points per $1 spent directly with Air Canada (flights, Aeroplan ancillaries), and 1.5 points per $1 on eligible grocery, gas, and travel purchases, with a 1.25 point base rate on all other spending. These are the highest Aeroplan earn rates available on a Canadian credit card. Verify current earn rates at td.com or aircanada.com — these may change."

"Does the TD Aeroplan Visa Infinite Privilege include Maple Leaf Lounge access?"

"Yes — the TD Aeroplan Visa Infinite Privilege includes complimentary access to Air Canada Maple Leaf Lounges for the primary cardholder and one guest when flying Air Canada. Maple Leaf Lounges are available at major Canadian airports including Toronto Pearson (YYZ), Vancouver (YVR), Calgary (YYC), Montreal (YUL), Ottawa (YOW), and select US and international locations. This benefit alone is valued at $50–$150 per visit and can significantly justify the annual fee for frequent Air Canada travellers. Verify current lounge access terms at td.com."

"What is the income requirement for the TD Aeroplan Visa Infinite Privilege?"

"The TD Aeroplan Visa Infinite Privilege requires a minimum personal income of $150,000 or a minimum household income of $200,000. This makes it one of Canada's most exclusive credit cards by income threshold. Applicants must also have a strong credit history. Verify the current income and creditworthiness requirements at td.com — TD may apply additional eligibility criteria."

"How does the TD Aeroplan Visa Infinite Privilege compare to the TD Aeroplan Visa Infinite?"

"The Privilege tier ($599/yr) offers significantly more than the standard Infinite ($139/yr): higher Aeroplan earn rates (2x on Air Canada vs. 1.5x), Maple Leaf Lounge access (not included on Infinite), higher travel insurance limits, complimentary first checked bag for more companions, a higher Priority Check-in benefit, and a more generous travel companion benefit. The $460 annual fee difference is justified for frequent Air Canada travellers who use lounge access 5+ times per year and can take advantage of the elevated earn rates on significant Air Canada spending."

"What travel insurance is included with the TD Aeroplan Visa Infinite Privilege?"

"The TD Aeroplan Visa Infinite Privilege includes the most comprehensive travel insurance of any TD card. Coverages include emergency travel medical insurance (verify days and limit at td.com), trip cancellation and trip interruption insurance, flight delay reimbursement, delayed and lost baggage insurance, common carrier accident insurance, and auto rental collision/loss damage waiver. Coverage limits and terms exceed those of the standard TD Aeroplan Visa Infinite. Review the Certificate of Insurance at td.com for full terms, exclusions, and eligibility conditions."

TD Aeroplan Visa Infinite Privilege Card Review 2026: Is It Worth It in Canada?

The TD Aeroplan Visa Infinite Privilege is TD’s ultra-premium Aeroplan credit card, offering Canada’s highest Aeroplan earn rates on a credit card alongside Air Canada Maple Leaf Lounge access, the most comprehensive travel insurance in TD’s card portfolio, and enhanced Air Canada travel benefits. At $599/year and a $150,000 income requirement, it is designed for high-income frequent Air Canada travellers who want to maximize Aeroplan accumulation and travel with premium lounge access.

Quick Verdict

Best for: High-income Canadians who fly Air Canada frequently (10+ times/year), want Maple Leaf Lounge access, carry a $599/year card that earns the maximum possible Aeroplan points on all spending, and value the most comprehensive travel insurance available from a Canadian bank.
Not ideal for: Those who don’t fly Air Canada regularly (WestJet flyers would prefer the WestJet World Elite), those who can’t meet the $150,000 income requirement, or those who don’t need lounge access (the TD Aeroplan Visa Infinite at $139 is excellent value for regular Air Canada travellers without the premium benefits).

Key Card Details

Feature	Detail
Annual fee	$599
Additional cardholder fee	Verify at td.com
Purchase interest rate	Verify at td.com
Cash advance rate	Verify at td.com
Foreign transaction fee	2.5% (typical) — verify at td.com
Personal income requirement	$150,000
Household income requirement	$200,000
Network	Visa Infinite Privilege
Rewards	Aeroplan Points
Welcome bonus	Verify current offer at td.com

Card terms, earn rates, income requirements, and all features are subject to change. Verify all current details at td.com before applying.

Welcome Bonus

The TD Aeroplan Visa Infinite Privilege typically offers one of the largest Aeroplan welcome bonuses available on a Canadian credit card — often 40,000–75,000+ Aeroplan points, sometimes with first-year annual fee rebate offers. Verify the current welcome bonus at td.com — offers change frequently, and the welcome bonus is often the strongest incentive to apply.

Welcome bonus value estimate

At 60,000 Aeroplan points and $0.015/point average redemption value:

60,000 × $0.015 = $900 in Aeroplan value
Business class to the US West Coast or Florida requires approximately 25,000–35,000 Aeroplan points one-way
Economy transatlantic from approximately 35,000–55,000 Aeroplan points one-way

Earn Rates

Verify all current earn rates at td.com — these change.

Spending Category	Aeroplan Points Earned
Air Canada purchases	2 points per $1 — verify at td.com
Grocery, gas, and travel	1.5 points per $1 — verify at td.com
All other purchases	1.25 points per $1 — verify at td.com

Annual points estimate

Monthly Spending	Mix	Annual Aeroplan Points	Value at $0.015
$5,000	30% Air Canada, 40% grocery/gas/travel, 30% other	~82,500	~$1,237
$8,000	20% Air Canada, 40% grocery/gas/travel, 40% other	~120,000	~$1,800
$10,000	25% Air Canada, 35% grocery/gas, 40% other	~158,750	~$2,381

This is illustrative. Actual earn rates: verify at td.com.

Air Canada Maple Leaf Lounge Access

One of the Privilege card’s signature benefits — complimentary access to Air Canada’s Maple Leaf Lounges:

Canadian Maple Leaf Lounge locations

Toronto Pearson International (YYZ) — Domestic, US transborder, International
Vancouver International (YVR)
Calgary International (YYC)
Montreal–Trudeau (YUL)
Ottawa (YOW)
And select other Canadian airports

Benefit details

Primary cardholder admitted complimentary
One guest admitted complimentary (verify guest terms at td.com)
Must be travelling on a same-day Air Canada flight
Verify eligibility terms, guest policy, and any flight class requirements at td.com

Value of Maple Leaf Lounge access

Air Canada Maple Leaf Lounge day passes are not publicly sold (access is restricted to status holders and premium cabin passengers). Comparable Priority Pass lounge visits cost $35–$50 USD each. At 10 annual Air Canada trips:

10 × $40 USD/visit equivalent = $400–$500 USD in lounge access value annually

Air Canada Travel Benefits

Beyond lounge access, the Privilege card includes Air Canada travel benefits:

Benefit	Details
Priority boarding	Access to priority boarding lane on Air Canada flights
Priority check-in	Dedicated check-in for primary and additional cardholders
First checked bag free	For primary cardholder and up to 8 companions on same reservation — verify at td.com
Air Canada Status Qualifying Miles (SQM) bonus	Verify at td.com if applicable
50% Aeroplan Miles bonus	May apply on select Air Canada purchases — verify at td.com
Air Canada companion offer	Verify details and any applicable flight restrictions at td.com

Comprehensive Travel Insurance

Coverage	Amount/Details
Emergency travel medical	Verify limit and trip length — typically $5M per person
Trip cancellation	Verify limit — typically $2,500–$5,000+ per person
Trip interruption	Verify limit
Flight delay	Reimbursement after threshold hours — verify
Delayed baggage	Reimbursement after threshold hours — verify
Lost/damaged baggage	Verify limit
Common carrier accident	Verify limit — typically $500,000–$1,000,000
Auto rental collision/damage	Verify
Hotel/motel burglary	Verify

Review the Certificate of Insurance at td.com for full coverage amounts, exclusions, eligibility conditions, and claim procedures.

Fees and Rates

Fee	Amount
Annual fee	$599
Additional cardholder fee	Verify at td.com
Purchase interest rate	Verify at td.com
Cash advance rate	Verify at td.com
Foreign transaction fee	Verify at td.com (typically 2.5%)

TD Aeroplan Visa Infinite Privilege vs. Tier Comparison

Card	Annual Fee	Key Benefit	Best For
TD Aeroplan Visa Reward	$89	1x Aeroplan base	Light Air Canada flyers, low fee
TD Aeroplan Visa Infinite	$139	1.5x on Air Canada, free bag	Regular Air Canada travellers
TD Aeroplan Visa Infinite Privilege	$599	2x on Air Canada, Maple Leaf Lounge	Frequent flyers, premium travel

vs. CIBC Aeroplan Visa Infinite Privilege

TD and CIBC both issue an Aeroplan Visa Infinite Privilege at $599. The earn rates are identical (both earn Aeroplan). Key differences include the exact travel insurance terms, Air Canada companion voucher structure, and any TD vs. CIBC banking integration benefits. If you bank primarily with TD, the TD version integrates more cleanly with your existing banking. Otherwise, compare welcome bonus offers — whichever is higher at time of application is often the deciding factor.

Who Is the TD Aeroplan Visa Infinite Privilege Best For?

Ideal cardholders:

High-income ($150,000+) Canadians who fly Air Canada 10+ times/year and want Maple Leaf Lounge access on every trip
Those who put significant spending ($6,000+/month) on their credit card and want maximum Aeroplan earning on all categories
Cardholders who will use the free checked bag benefit for themselves and companions regularly
TD banking clients who want a fully integrated premium credit card and banking relationship with TD

Less suitable if:

You don’t meet the $150,000 income requirement
You fly Air Canada 5 or fewer times per year — the TD Aeroplan Visa Infinite at $139 provides most of the core benefits at a fraction of the cost
You prefer WestJet or other carriers — the RBC WestJet World Elite Mastercard earns WestJet dollars instead
You want cash back rather than managing Aeroplan points

Alternatives

Card	Annual Fee	Key Strength
TD Aeroplan Visa Infinite	$139	Most of the Aeroplan benefits at lower cost
CIBC Aeroplan Visa Infinite Privilege	$599	Identical earn structure, CIBC integration
Amex Aeroplan Reserve	$599	DragonPass lounge access, 3x on Air Canada (Amex)
American Express Platinum	$799	Fine Hotels & Resorts, Priority Pass, Centurion

Bottom Line

The TD Aeroplan Visa Infinite Privilege is the pinnacle of Aeroplan credit card earning in Canada. Maple Leaf Lounge access, the highest Aeroplan earn rates, free checked bags for up to eight companions, and industry-leading travel insurance make it worth $599/year for the right cardholder. That cardholder is a high-income, frequent Air Canada traveller who puts significant monthly spending on their card.

For the vast majority of Air Canada loyalists, the TD Aeroplan Visa Infinite at $139/year delivers 90% of the benefits at 23% of the cost. The Privilege tier is for the top tier of Air Canada spenders.

Card terms, earn rates, income requirements, Air Canada benefits, and travel insurance are subject to change. Verify all current details at td.com and aircanada.com/aeroplan before applying.