The TD First Class Visa Infinite is a top travel credit card from TD Bank. It’s for people living in Canada. This guide makes it easy to learn how to apply for it.
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We aim to guide frequent travellers and those with high incomes. You’ll learn about eligibility, how to apply online or in a bank, costs, perks, insurance, and how it stands against other top credit cards in Canada.
If you’re a TD customer thinking about an upgrade, or want better airport lounge access and travel insurance, this guide is for you. Before applying, always check the latest details on TD’s site or talk to a TD advisor.
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Key Takeaways
- TD First Class Visa Infinite is a top credit card in Canada for people who travel often. It offers lounge access and excellent travel insurance.
- This guide explains how to easily apply for the TD First Class Visa Infinite online or at a branch.
- Get your income proof, ID, and residency ready for the TD First Class application in Canada.
- Look into the fees and rewards to see if the benefits are worth the annual cost for you.
- Always check the most recent offers and conditions on TD’s website or consult a TD advisor before applying.
DETAILED STEP-BY-STEP GUIDE TO APPLYING FOR THE TD FIRST CLASS TRAVEL® VISA INFINITE CARD*
The TD First Class Travel® Visa Infinite Card* is one of the most rewarding travel credit cards available in Canada. It lets you earn TD Rewards Points on every purchase, redeem them flexibly for travel, merchandise, or statement credits, and enjoy a range of premium travel perks.
Follow this detailed guide to apply for the card through the official TD Bank Canada website quickly and securely.
1 – Visit the TD Bank Homepage
Start by going to the official TD Bank website: https://www.td.com/.
From the homepage, you’ll have access to all TD products and services, including personal banking, loans, investments, and credit cards.
Once on the homepage, navigate to the top menu to proceed to the next step.
2 – Go to the Credit Cards Section
At the top of the TD website, click on “Credit Cards” (usually the second option on the main navigation bar).
Then, from the dropdown list, select “Explore All Credit Cards.”
This will take you to TD’s full range of credit cards, where you can explore each one’s features, benefits, and eligibility criteria before applying.
3 – Browse the TD Credit Card Options
On the credit cards page, you’ll see multiple TD Visa Infinite options, including:
- TD® Aeroplan® Visa Infinite Card*
- TD First Class Travel® Visa Infinite Card*
- TD Cash Back Visa Infinite Card*
Locate and select the TD First Class Travel® Visa Infinite Card* — it’s usually displayed as the second option on the list.
Click “Learn More” or “See Details” to open the card’s dedicated information page.
4 – Review the TD First Class Travel® Visa Infinite Card Details
On this page, you’ll find a complete overview of the card, including:
- How you can earn TD Rewards Points on travel and everyday spending
- Details on travel benefits, lounge access, and redemption options
- The current welcome bonus offer for new applicants
- Annual fees, insurance coverage, and eligibility requirements
After reviewing all the details, click the orange “Apply Now” button to start your secure online application.
5 – Log In or Apply as a New Customer
After selecting “Apply Now,” you’ll be redirected to TD’s secure application portal.
- Existing TD customers:
Sign in using your TD EasyWeb credentials or TD Mobile App login. This will pre-fill much of your information, simplifying and speeding up the process. - New applicants:
Click “Continue as Guest” and fill out the application manually. You’ll be required to provide personal, financial, and employment details.
Once complete, review all entered information carefully and submit the form.
After approval, your TD First Class Travel® Visa Infinite Card* will be mailed to your home address.
6 – Verify Eligibility Requirements
Before applying, make sure you meet TD’s minimum requirements:
- Age: Must be at least 18 years old (or the age of majority in your province/territory).
- Residency: Must be a Canadian citizen, permanent resident, or valid visa holder.
- Income: A personal annual income of at least CAD $60,000 or a household income of CAD $100,000.
- Credit Score: Must have a good to excellent credit history.
TD may request proof of income and perform a credit check before approval.
7 – Understand the Card’s Features, Rates, and Fees
Before finalizing your application, take time to understand what the card offers:
Welcome Bonus
Earn up to 165,000 TD Rewards Points, including:
- A bonus after your first purchase.
- Additional points for meeting spending requirements within the first six months.
Annual Fee
The annual fee is CAD $139, though it is often waived for the first year as part of a promotional offer.
Earning Structure
- 8 TD Rewards Points per $1 spent on travel booked through Expedia for TD.
- 6 points per $1 on groceries, dining, and public transit.
- 4 points per $1 on recurring bills, streaming, and digital media subscriptions.
- 2 points per $1 on all other purchases.
Travel and Insurance Benefits
- $100 Annual Travel Credit for bookings made through Expedia for TD.
- Complimentary global lounge access (4 visits per year) via the Visa Airport Companion Program.
- Comprehensive travel medical insurance covering up to $2 million.
- Trip cancellation, interruption, baggage delay, and car rental insurance.
- TD Rewards Points never expire as long as your account remains active and in good standing.
8 – Submit, Await Approval, and Activate Your Card
Once your application is submitted, TD will review your information and perform a credit assessment.
If approved:
- Your card will be mailed to your Canadian address within a few business days.
- Upon receipt, activate it through one of the following methods:
- TD Mobile App
- TD EasyWeb (online banking)
- Phone activation using the number provided in your welcome package.
To qualify for promotional offers like the welcome bonus or annual fee rebate, make sure you complete your first purchase within the required timeframe after activation.
Final Thoughts
The TD First Class Travel® Visa Infinite Card* is the ultimate choice for Canadians who want to earn high-value TD Rewards Points while maintaining full flexibility in how they book and redeem travel.
With strong earning potential, premium Visa Infinite benefits, and no expiry on points, this card offers everything modern travelers need for convenience, freedom, and reward value.
Applying through TD’s official website is quick, secure, and can be completed in just a few minutes — allowing you to start enjoying the perks of the TD First Class Travel experience right away.
Overview of TD First Class Visa Infinite card features
The TD First Class Visa Infinite offers top travel benefits and everyday rewards. It’s great for frequent travelers and families who take trips yearly. Look into the details to understand how its benefits might match your travel needs.
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Premium travel benefits and airport lounge access
Cardholders can access specific lounges, thanks to the card’s linked programs. Airport lounge features might include free annual visits, credits for memberships, or entry, based on TD’s agreements.
Expect perks like priority check-in and boarding with some airlines, travel help from a concierge, and possible upgrades. Lounge guest rules vary; some allow guests, while others only welcome the cardholder.
Rewards structure and points earning potential
The card earns TD Points. You get more points for travel, dining, and groceries, and regular points on everything else. Watch for special offers that increase the welcome bonus or points.
Joining TD rewards programs may be necessary to get bonus points and redeem them well. Always look at the latest TD offers to know about limited-time deals.
Insurance coverage and travel protections
Visa Infinite cards usually cover travel medical emergencies, trip cancellations, flight delays, and baggage issues. The TD card’s insurance follows these Visa standards but with certain rules and exceptions.
It also offers non-travel benefits like purchase safeguards, warranty extensions, and fraud protection. Check the insurance details carefully to understand what’s covered, including time limits, limits on coverage, age rules, and how to make claims.
Eligibility requirements for Canadian applicants
Before applying for a premium travel card, make sure you meet TD’s basic eligibility criteria. Knowing what TD expects from Canadian applicants helps speed up approval. You’ll find details on income, credit, and where you live here.
Minimum income and credit score expectations
Premium Visa Infinite cards require a higher income. The yearly income TD First Class Visa applicants must have falls within a certain range. This helps them qualify for better benefits and higher credit limits.
Your credit history is important, too. Aim for a credit score usually around 700 or higher, according to Equifax or TransUnion. Remember, lenders will review your whole credit report, not just your score.
Lenders dig deeper than your credit score. They look at your debt-to-income ratio, recent credit requests, and account history. These factors help them make a decision.
Residency and age requirements in Canada
You need to live in Canada and be old enough to enter a credit agreement to qualify. The legal age varies by province, typically 18 or 19 years old.
Newcomers and those not permanently in Canada may qualify but need more documents. Permanent residents usually have an easier time if they can provide necessary papers.
Documentation you’ll need to prove eligibility
Have these documents ready to confirm your identity, income, and home address. A complete file meets TD’s checks faster and cuts down on extra requests.
- Government-issued photo ID: driver’s licence or passport.
- Social Insurance Number (SIN) for credit checks and tax reporting.
- Proof of income: recent pay stubs, T4 slips or Notice of Assessment.
- Employment details and recent bank statements showing deposits.
- For self-employed applicants: T1 General, CRA Notice of Assessment, and business financials.
- If you are a newcomer or non-permanent resident: immigration documents and proof of Canadian address.
If you’re already a TD customer, things might move faster since TD may have some of your information. But, you might still need to give them new documents to update your income and job details.
| Requirement | Typical expectation | Documents to provide |
|---|---|---|
| Income | Higher personal income threshold for premium cards | Pay stubs, T4, Notice of Assessment |
| Credit score | Good to excellent (about 700+) | Not applicable; lender checks Equifax/TransUnion |
| Residency | Canadian resident; legal age to contract | Driver’s licence, utility bill, immigration documents |
| Self-employed proof | Business income documentation required | T1 General, Notice of Assessment, business statements |
| Existing TD relationship | Can speed verification and approval | TD may use on-file records plus recent updates |
TD First Class Visa Infinite – Learn how to apply
Need to apply for the TD First Class Visa Infinite? Here’s a quick guide for you. You can apply online at TD’s website, call TD, or visit a branch. Each method is tailored to fit your lifestyle and availability.
Starting with the online form is easy. You’ll answer questions about your job, where you live, and your income. If you call, a TD rep can talk with you directly. They can also set up any follow-up steps needed.
Going to a TD branch might get your identity confirmed faster. If you have a TD bank account, you might get approved faster. This is because they can quickly check your account. Plus, setting up payments and managing TD Points is easier.
Before applying, look at the current deals and requirements on TD’s website. Offers and needed income levels can change. Checking right before you apply ensures you know the best timing.
You’ll need to agree to credit checks. Some checks won’t hurt your credit score. Others might. Make sure to ask which type of check they’ll do.
Before you start, get your government ID, income proof, and address proof ready. This makes the process faster and easier. If needed, someone at a branch can help you with your paperwork.
Step-by-step application process online and in-branch
Ready to apply? Follow these easy steps to apply for a TD Visa Infinite online or at a branch. The choice is yours based on what’s easiest for you and the papers you have.
Preparing documents before you apply
Collect your papers for a TD card to avoid waiting. You’ll need a government ID and your Social Insurance Number. Plus, bring stuff like recent pay slips, a T4, or a Notice of Assessment for proof of income.
Don’t forget your address proof, like a utility bill or bank statement. Have your job details and phone number handy. Newcomers should bring their passport and any work or study permit, along with a Canadian address proof.
Keep your latest bank statements and info on any debts ready. This makes your application more precise.
Filling the online application form: tips for faster approval
Applying online for TD Visa Infinite? Make sure names, addresses, and income numbers match your documents. This helps things move faster without extra checks.
If you’re already a TD customer, log in to autofill your info. It saves time and cuts mistakes.
Be honest about all money sources and debts. Say yes to electronic messages and a credit check to skip extra steps. Make sure your contact info is right. Keep an eye on your application with TD online banking or your confirmation email.
What to expect when applying in a TD branch
At a TD branch, you get direct help from an advisor. They’ll look over your documents, explain the perks and insurance, and submit your form.
In some places, you might get a temporary card right away. Your real card will be sent by mail, depending on the branch and checks.
Choose a branch visit if you like talking things through in person, have a complicated income situation, or need advice on picking the best option.
Understanding fees, interest rates and credit limits
Premium cards come with costs. Before applying, check TD’s fees. Know the TD First Class annual fee and look for first-year waivers. Seek out credits that reduce the fee.
See if the perks fit your spending and travel. Lounge access and bonus points might make higher fees worth it. Compare the rewards against the annual fee to decide.
Interest on purchases is outlined in the agreement. For cash advances, rates are higher, and interest kicks in right away. Check the Visa Infinite interest rates in Canada to understand rates for purchases and cash advances.
To minimize costs, aim to pay the full balance on time. This approach avoids interest on purchases. Carrying a balance increases costs due to interest.
Credit limits depend on income, credit history, and debt. A strong relationship with TD and solid deposits may result in a higher limit. Over time, showing reliability can lead to an increase.
For more credit, ask for a limit increase online, by phone, or in-branch. Be prepared with income proof for significant increases. Verify if TD will do a hard or soft credit inquiry first.
Here is a brief comparison to consider costs and credit when thinking about this card.
| Item | What to check | Practical tip |
|---|---|---|
| TD First Class annual fee | Current fee amount; promotional waivers; offsetting credits | Estimate your annual rewards value to decide if fee is justified |
| Visa Infinite interest rates Canada | Purchase APR; cash advance APR; terms for interest-free periods | Pay full balance monthly to avoid interest on purchases |
| Card fees TD | Foreign transaction fees, replacement card fees, cash advance fees | Count incidental fees into your annual cost calculations |
| TD credit limit increase | Eligibility factors; how to request; documentation needed | Request after several months of on-time payments; provide income proof for larger raises |
Maximizing rewards: earning and redeeming TD Points
Learning to get the most out of TD Points is simple. Look into categories where you earn more, stay updated with promotions and choose redemption options wisely for the best value.
Premium cards reward more for travel, dining, and grocery purchases. Before spending big, visit TD’s product page to know the earn rates.
Keep an eye on special deals and seasonal offers. By subscribing to TD alerts, you won’t miss out on opportunities to increase your TD Points.
Best ways to redeem for travel, statement credits, or merchandise
For travel redemptions, using TD’s portal usually offers better value. Always compare the cash and points prices to ensure you’re getting a good deal.
Although flexible, redeeming points for statement credits or merchandise might not maximize your points’ worth. Think about combining points and cash if you’re facing travel restrictions.
Combining points with partners and transfer options
Some Canadian programs allow transfers to airlines or hotels. Make sure to check TD’s list of partners and how the points convert before making a transfer.
Top off your account with transfers for big redemptions. Keep an eye on bonus offers and available spots with partners to get more out of your points.
TD rewards tips
- Prioritise card use in categories with the highest earn rates.
- Time large purchases to align with targeted offers and welcome-bonus windows.
- Compare booking on the TD portal versus partner redemptions to decide whether to redeem or transfer.
- Track point balances and upcoming expiration rules to avoid losing value.
Travel perks and airport lounge access explained
Premium cardholders enjoy airport benefits that make travel easier and more comfy. Before you travel, check TD’s website to see which lounges and networks your card includes.
Which lounges are included and access rules
Access relies on networks like Priority Pass or certain airline lounges. You typically need your card and a boarding pass from the same day. There might also be a dress code and other local rules.
Availability can change depending on the place and time of year. Always check the airport and lounge’s hours and rules before you go. This can prevent unwanted surprises.
Priority services: check-in, boarding and concierge benefits
Priority services mean you check in faster and board earlier with some airlines. These benefits help save time and lower stress when you have carry-on bags.
Concierge support can book meals, change flights, and get tickets for events. Sometimes you need to let them know early, and there could be a fee. Talk to TD or the card concierge to check details before planning something big.
How to use lounge passes and guest policies
You might get digital lounge passes or Priority Pass with your card benefits. Show the pass or card on your phone at the lounge entry. Be sure to know the guest policy to avoid extra charges.
Guest rules usually allow one or two free visitors, with a fee for more. Lounges can fill up; get there early or have another plan if you can’t get in.
Insurance protections and purchase safeguards
The TD First Class Visa Infinite card comes with many insurance protections. These protect you when you travel or buy expensive items. Always check the policy certificate. It helps you know what’s covered before you travel.
Travel medical and trip cancellation/interruption insurance
Emergency travel medical coverage protects you on trips outside Canada. The benefits booklet shows limits and restrictions based on age and trip length. To activate coverage, you need to register your trips as instructed. If you have health issues already, look into separate TD travel insurance for full coverage.
If you have to cancel or cut short your trip, trip cancellation and interruption benefits help. They cover costs you can’t get back for reasons included in your policy. You’ll need to show documents like medical notes or police reports to claim.
Lost or delayed baggage and flight delay coverage
If your bags are late, the card covers emergency buys. It also pays for lost items up to a certain amount. Always get a report from the carrier if your bags are late or lost. Keep your purchase receipts to make a claim.
If your flight is delayed, you can get money for your wait. This kicks in after a specific time, usually four to six hours. Check your benefits booklet for details. Telling your card insurer quickly helps with your claim.
Purchase protection and extended warranty details
Purchase protection covers new items you buy against theft or damage for a short time, typically 90 days. Always keep your receipts and your card statement. They’re needed for claims.
Extended warranty benefits give an additional year on manufacturer warranties for things bought with the card. Some items, like used goods or cars, aren’t covered. To make a claim, you’ll need purchase evidence, warranty details, and repair costs.
Look over Visa Infinite insurance Canada details and see how they match your travel and shopping habits. Keeping clear records and reporting on time means easier claims and better success.
Comparing TD First Class Visa Infinite to competing premium cards
The TD First Class Visa Infinite is a top choice among Canada’s premium cards. This guide compares features, perks, and costs to help you. You can decide based on your travel style and bank relationships.
How it stacks against other Canadian premium travel cards
Look at TD First Class versus other cards like RBC Avion and Scotiabank Passport. Also, consider American Express Aeroplan Reserve and CIBC Aventura. Notice the differences in lounge access, earning rates, and transfer options.
Visa is accepted almost everywhere worldwide. American Express usually has better airline deals. Both Mastercard and Visa have unique benefits and acceptance. Always check the latest partner lists before making a decision.
When TD First Class is the best choice for your travel style
If earning TD Points easily matters to you, choose TD First Class. It has great banking perks and lounge access. This card is great for those who travel a lot and want good travel insurance and simple ways to use points.
Do you prefer collecting miles for a specific airline? Look at how points transfer and any special promotions. People who want airline miles or unique partners might like American Express or airline-specific cards better.
Cost-benefit comparison: fees vs. perks
When comparing TD First Class, add up the annual fees and the benefits you get. Think about lounge visits, saved insurance costs, and using points. Don’t forget to include sign-up bonuses for their immediate value.
People who don’t travel often might find the high annual fee not worth it. But frequent travelers can make up for it with lounge access, concierge service, and getting more points. See if your spending makes the fee worthwhile.
For a nationwide card comparison, consider how widely cards are accepted, who the partners are, and the insurance coverage. Choosing between TD and other Visa Infinite cards depends on which perks fit your travel and banking needs best.
Tips for improving approval chances and managing your account
Getting ready before you apply can boost your odds of getting a TD card. Try to lower your high balances and keep your credit use below 30% of your limits. Also, look over your credit reports at Equifax and TransUnion for any mistakes and fix them quickly.
Make sure you pay on time, always. If your credit history isn’t long, think about getting a secured card or a small loan to start. This helps build good credit. When your credit score and income proof get better, you can move on to an unsecured card. After any big credit activity, like getting a new loan, wait for three to six months before applying.
Smart usage keeps accounts healthy. Try to pay off the whole balance every month to avoid interest and keep your rewards. If that’s not possible, always pay more than the minimum. This reduces the interest you’ll owe.
Setting up TD AutoPay or pre-authorized payments can stop late fees and missed payments. Use TD’s mobile app and online banking to keep an eye on your spending, set alerts for strange activity, and see how many rewards you’ve got.
Every so often, look over your account’s terms. This helps you keep up with the TD credit card’s features and fees. If your spending habits change, switching to a different TD product might be better. Before you switch, talk to TD customer service about how it will affect your rewards and insurance.
Adding people to your account has its perks, like shared lounge access. But, consider the extra fees and the responsibility for any charges. Remember, adding users or switching products can change your eligibility for rewards and insurance. Always check the terms first.
For long-term benefit, pay on time, check your account often, and review your financial products as needed. These actions help secure a TD card, manage it well, improve your credit in Canada, and confidently add users when you need to.
Conclusion
This summary talks about important details Canadian travellers need to think about before applying for the TD First Class Visa Infinite. You’ll need to meet standard checks like minimum income and credit history. You can apply online quickly or visit a TD branch for personalized help.
The card offers lounge access, a great rewards program, and full travel insurance. These benefits need to be weighed against the yearly fee and interest rates. See if the fee makes sense for your travel style. Use tips to get more TD Points, like spending in bonus categories and choosing the best time to redeem for travel.
Before applying for the TD First Class Visa Infinite, check the latest terms on TD’s official site. Make sure to gather all documents needed and go over the cardholder agreement and insurance details. It’s smart to talk to TD yourself for questions about your account so you know about limits and how to make claims.
Being careful with your application process can help you make the most of this top-tier card many Canadian travellers love. Pick the best way to apply based on what you prefer. And remember, paying on time helps maintain your credit score and the rewards you can earn.
FAQ
What is the TD First Class Visa Infinite card?
Who is the TD First Class Visa Infinite best suited for?
What are the main travel benefits and lounge access options?
How do TD Points work and how can I earn them?
What travel insurance protections come with the card?
What are the eligibility requirements to apply?
What documents will I need to apply?
How can I apply for the TD First Class Visa Infinite?
What should I do to prepare before applying online?
What happens when I apply in a TD branch?
What is the annual fee and can it be offset or waived?
What interest rates apply to purchases and cash advances?
How is my credit limit determined and can I request increases?
What are the best ways to redeem TD Points for travel?
Can TD Points be transferred to airline or hotel partners?
How do lounge guest policies and access rules work?
What should I know about filing insurance claims for travel incidents?
How does TD First Class compare to other Canadian premium travel cards?
How can I improve my approval chances before applying?
What account management tips help maintain good standing?
Can I add authorized users or request a product change later?
Where can I find the most up-to-date terms, rates and offers?
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