TD Bank sets minimum personal and household income thresholds for its premium credit cards. Cards at the Visa Infinite tier require $60,000 personal income or $100,000 household income. No-fee and entry-level cards have no income requirement.
TD Credit Card Income Requirements
| Card | Annual Fee | Personal Income | Household Income |
|---|---|---|---|
| TD Aeroplan Visa Infinite Privilege | $599 | $150,000 | $200,000 |
| TD Aeroplan Visa Infinite | $139 | $60,000 | $100,000 |
| TD First Class Travel Visa Infinite | $139 | $60,000 | $100,000 |
| TD Rewards Visa Infinite | $139 | $60,000 | $100,000 |
| TD Cash Back Visa Infinite | $120 | $60,000 | $100,000 |
| TD Aeroplan Visa Platinum | $89 | None | None |
| TD Platinum Travel Visa | $89 | None | None |
| TD Emerald Flex Rate Visa | $25 | None | None |
| TD Aeroplan Visa Card | $0 | None | None |
| TD Rewards Visa | $0 | None | None |
| TD Cash Back Visa | $0 | None | None |
| TD Student Visa | $0 | None | None |
Income requirements are listed as published by TD Bank. TD may verify income differently from the stated minimums (e.g., assets, existing relationship). Requirements may change — always verify at td.com.
What Counts as Income for TD?
TD typically accepts the following income types:
- Employment income: Salary, wages, and self-employment income (T4 or Notice of Assessment)
- Investment income: Dividends, interest, and rental income
- Pension income: CPP, OAS, and private pension payments
- Government benefits: EI and disability benefits may be considered with other income
TD may ask you to upload documents via their online application or provide them at a branch if income cannot be verified instantly.
What If You Don’t Meet the Income Requirement?
If you don’t qualify for a Visa Infinite card:
Apply for the Platinum tier: The TD Aeroplan Visa Platinum ($89) and TD Platinum Travel Visa ($89) have no income requirement and earn the same loyalty currency as their Infinite counterparts, at a lower earn rate.
Build your profile: If you bank with TD and have a mortgage or investment account, your existing relationship may weigh in your favour.
Consider a no-fee card first: Start with the TD Aeroplan Visa Card or TD Rewards Visa ($0), build your credit history with TD, then apply for the Infinite tier after 12–18 months.
Income Requirement vs. Credit Score Requirement
Income is only one factor in TD’s approval decision. A strong credit score (typically 700+) is also required for premium cards, along with a positive credit history (no recent missed payments, low credit utilisation).
See Credit Score Needed for Credit Cards in Canada for full guidance.
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Income thresholds current as of June 2026. TD Bank may update requirements at any time. See our Advertiser Disclosure.