"What is the TD New to Canada Programme?"

"The TD New to Canada Programme is TD Bank's dedicated banking and credit package for newcomers — permanent residents, international students, and temporary foreign workers who have arrived in Canada within the past 3 years (verify current eligibility at td.com). The programme waives the standard Canadian credit history requirement for credit card applications, allowing new arrivals to access their first Canadian Visa credit card. The package typically includes a no-monthly-fee banking account for the first year and a TD credit card with no Canadian credit history required."

"Does the TD New to Canada credit card earn TD Rewards Points?"

"Yes — the TD New to Canada credit card earns TD Rewards Points on eligible purchases. Points can be redeemed through Expedia For TD (TD's travel portal for flights, hotels, and vacation packages), for statement credits, merchandise, and other options through the TD Rewards portal. As a newcomer card, earn rates are at the entry level — below the TD First Class Travel Visa Infinite or TD Aeroplan cards, but meaningful for a newcomer establishing their first Canadian credit card with no fee and no credit history requirement. Verify current earn rates at td.com."

"How long can I use the TD New to Canada programme?"

"The TD New to Canada Programme is available to eligible newcomers who have arrived in Canada within the past 3 years (verify the exact eligibility window at td.com). After establishing Canadian credit history with the newcomer card, you can upgrade to any TD credit card for which you qualify — including the TD First Class Travel Visa Infinite, TD Aeroplan Visa Infinite, or TD Cash Back Visa Infinite. TD may proactively offer an upgrade at card renewal based on your credit profile. The credit history you build during the newcomer period carries forward permanently in your Canadian credit file."

"What documents do I need for the TD New to Canada credit card?"

"Typical documentation for TD's newcomer programme includes: valid Canadian immigration document (Permanent Resident card, work permit, study permit, or other valid status), passport, Canadian address confirmation, and proof of income (employment letter, pay stub, or bank statements). Exact requirements vary by immigration status and may differ at individual TD branches. Visit a TD branch or check td.com for current documentation requirements — the in-branch application process for newcomer accounts is typically more straightforward than online applications for this product."

"Should I choose TD or Scotiabank for my newcomer credit card?"

"Both TD's New to Canada Programme and Scotiabank's StartRight Programme offer similar newcomer credit cards — no annual fee, no Canadian credit history required, rewards points (TD Rewards at TD, Scene+ at Scotiabank). The best choice is typically whichever bank you've already opened (or plan to open) a chequing account with, since integrated banking makes account management easier for newcomers. If you shop at Sobeys/IGA or visit Cineplex, Scotiabank StartRight's Scene+ is more relevant. If you're likely to travel frequently, TD's Expedia For TD redemption portal may be useful. Visit both and compare the current welcome bonus and banking package offers."

TD New to Canada Banking Package Credit Card Review 2026: Is It Worth It?

The TD New to Canada Credit Card is part of TD Bank’s New to Canada Banking Package — offering eligible newcomers (permanent residents, international students, temporary foreign workers) a no-annual-fee Visa credit card without requiring established Canadian credit history. It earns TD Rewards Points on eligible purchases and provides an entry point into the TD financial ecosystem while building a Canadian credit file from scratch.

Quick Verdict

Best for: Permanent residents, international students, and temporary foreign workers new to Canada who bank with TD and want to start building Canadian credit history with a no-fee TD Visa — no Canadian credit history required.
Not ideal for: Those who have already built Canadian credit history (better rewards cards are available); or those who bank primarily with Scotiabank, RBC, or CIBC (their newcomer programmes are similarly competitive).

Key Card Details

Feature	Detail
Annual fee	$0
Network	Visa
Rewards	TD Rewards Points
Canadian credit history	Not required
Eligibility	Newcomers within 3 years of arrival — verify at td.com
Income requirement	Verify at td.com
Welcome bonus	Verify current offer at td.com

Card terms, earn rates, and eligibility are subject to change. Verify all current details at td.com or at a TD branch before applying.

TD New to Canada Banking Package

Component	Details
Credit card	TD Visa — no credit history required, no annual fee
Banking account	No monthly fee for first year (verify current terms)
No credit history check	Standard Canadian credit history not required
Branch support	TD advisors familiar with newcomer needs
Upgrade path	Any TD card after credit established

TD Rewards Points: Newcomer Value

Redemption	Value
Expedia For TD (flights, hotels)	~$0.005–$0.01/point — verify
Statement credit	Typically lower value
Merchandise	Varies

Expedia For TD: TD’s primary travel redemption portal. New to Canada cardholders accumulate TD Rewards Points toward flight and hotel bookings — a practical travel redemption for newcomers who may travel home to visit family.

Newcomer Credit Building Timeline

Month	Milestone
0	Apply for TD New to Canada Visa
1–3	Use card regularly, pay in full monthly
6	First credit score appears on Equifax/TransUnion
12	Score typically in the 650–720 range with responsible use
18–24	Apply for TD First Class Travel Visa Infinite or TD Aeroplan Visa Infinite

Major Bank Newcomer Programme Comparison

Bank	Programme	Card	Rewards
TD	New to Canada	TD Rewards Visa	TD Rewards → Expedia For TD
Scotiabank	StartRight	Scotiabank StartRight Visa	Scene+ Points
CIBC	Welcome to Canada	CIBC Visa	Aventura Points
RBC	RBC Newcomer Advantage	RBC Visa	RBC Rewards
BMO	NewStart Programme	BMO card	Verify at bmo.com

All major Canadian banks have newcomer programmes — typically similar: no Canadian credit history required, no-fee credit card, no-fee banking for year one.

Who Is the TD New to Canada Credit Card Best For?

Ideal cardholders:

New arrivals in Canada (PR, international students, TFW) within their first 3 years who bank with TD
Those who want to build Canadian credit history while earning TD Rewards Points for travel redemptions
Newcomers who plan to travel back home and want a travel points card as their first Canadian credit product

Less suitable if:

You shop at Sobeys/Cineplex frequently — Scotiabank StartRight (Scene+) is more relevant
You already have Canadian credit history — TD First Class Travel or TD Aeroplan cards deliver more rewards
Your primary bank is not TD — choose the newcomer card at your existing bank for simplicity

Bottom Line

The TD New to Canada Credit Card is TD Bank’s dedicated newcomer credit product — providing a no-fee Visa with TD Rewards Points and no Canadian credit history requirement for eligible new arrivals. It is one of the most important first credit cards for newcomers to Canada: responsible use over 12–24 months builds the Canadian credit history that unlocks premium travel and cash back credit cards.

After establishing credit, the TD First Class Travel Visa Infinite ($139/year) and TD Aeroplan Visa Infinite ($139/year) are the natural upgrades within the TD ecosystem.

Card terms, eligibility requirements, and features are subject to change. Verify all current details at td.com or visit a TD branch before applying.