Welcome

Guide

TD First Class Travel®

Visa Infinite* Card
 Your
passport
to the
world

Discover your
TD First Class Travel®
Visa Infinite* Card

Table of Contents:

Quick Steps for Getting Started 4

TD Rewards Program 5

Using Your TD Rewards Points 6

Your Travel Credit and More Perks 8

Insurance 11

Everyday Convenience 14

Keeping Your Card Secure 17

Contact and Support 19

3
 Quick Steps for
Getting Started
How to make the most of your new
TD First Class Travel® Visa Infinite* Card.
• Register for EasyWeb® Online banking
at easyweb.td.com to access and
manage your Account online and sign
up for online statements.

• Download the TD app to view your

Account and bank almost anywhere.
Learn more at td.com/app

• Visit My TD Rewards in the TD app or

EasyWeb to manage your TD Rewards
Points and discover loyalty perks.

• Set up your recurring bill payments on

your Account to save time, avoid late
fees and earn 4 TD Rewards Points for
every $1 charged to your Account1,8.

• Learn how to set up your Card on your

phone at td.com/waystopay to pay for
purchases at participating retailers
through Apple Pay2, Google Pay™,2 and
Samsung Pay2.

• Make your TD First Class Travel Visa

Infinite Card the Primary Card for
retail apps on your phone3 to earn
TD Rewards Points on purchases
you make through phone apps, like
food delivery and transportation.

4
 TD Rewards
Program
Every eligible purchase you make with your
TD First Class Travel Visa Infinite Card
earns you TD Rewards Points. Your points
will never expire as long as your Account is
open and in good standing.

The more you use your TD First Class

Travel Visa Infinite Card, the more
TD Rewards Points you’ll earn!

8 6
TD Rewards Points TD Rewards Points
for every $1 you spend for every $1 you spend
when you book travel4,8 on Groceries, Dining
through and Public Transit6,8.
Expedia For TD5.
Learn more at
expediafortd.com

4 2
TD Rewards Points TD Rewards Points
for every $1 you spend for every $1 you spend
on Recurring Bill on other Purchases
Payments, and made using
Streaming, Digital your Card7,8.
Gaming & Media1,8.
• 50% more TD Rewards Points at Starbucks
when you link your card with your
Starbucks® Rewards account. Conditions
apply. Visit td.com/starbucksoffer to
learn more.
• Plus, an annual Birthday Bonus of up to
10,000 TD Rewards Points awarded to
your Account every year9 to celebrate your
special day.
• Earn more TD Rewards Points when you
add up to three Additional Cardholders10
(Additional Card Annual Fees apply) and
earn TD Rewards Points every time they use
their Cards to make eligible purchases.

5
 Using Your
TD Rewards Points
Visit My TD Rewards in the TD app or
EasyWeb to manage your TD Rewards
Points and discover loyalty perks.

Go places on points
• Make your points go further when
you redeem through Expedia For TD:
Search over a million flights, hotels,
packages and more! When you’re
ready to book, you can redeem11 your
TD Rewards Points towards your travel
purchase right away.
• Or Book Any Way11: You can also
choose to book your trip through any
other travel agency or website. This
gives you the flexibility to use your
TD Rewards Points for all kinds of travel
purchases.
• And under the TD Rewards Program,
there are no blackouts12 or seat
restrictions12.

Amazon Shop with Points

Redeem your TD Rewards Points towards
making purchases at Amazon.ca13.
Learn more at
amazon.ca/tdrewards

Starbucks®Rewards
Link your Card with your Starbucks
Rewards account and you can convert
your TD Rewards Points into Stars at
Starbucks to buy your favourite Starbucks
coffee or treat at participating stores using
the Starbucks app. Conditions apply.
Visit td.com/starbucksoffer

6
Merchandise and Gift cards
Redeem your TD Rewards Points for great
deals on a wide selection of merchandise
and gift cards.

Financial Rewards
• Pay With Rewards: Redeem
TD Rewards Points to help pay down
your credit card balance.

7
 

$100 Annual TD Travel Credit14

Each year, you will receive one $100.00
TD Travel Credit on your first Eligible Travel
Credit Purchase of $500.00 or more made
with Expedia For TD and posted to the
Account in a calendar year.

Enjoy your time at the airport with

global lounge access15
Need a place to relax and recharge before
you get on your flight? Your TD First Class
Travel Visa Infinite Card lets you access
1,200+ airport lounges worldwide with the
Visa Airport Companion Program15. Plus,
pre-book your visit at participating airport
lounges for extra peace of mind. Enjoy
4 complimentary lounge visits per
membership year, as well as airport dining
and retail discounts and offers.
Enroll now at visaairportcompanion.ca or
through the Visa Airport Companion App.

Enjoy the perks of being a

Visa Infinite Cardholder16
• As a Visa Infinite Cardholder, you have
access to exclusive gourmet events that
cater to your astute tastes. The Visa
Infinite Dining Series serves up culinary
explorations with prized chefs and
acclaimed wines.
• Receive seven exclusive benefits when
you book your stay through the Visa
Infinite Luxury Hotel Collection,
featuring over 900 of the world’s most
intriguing properties.

8
 • Get exclusive access to tickets for
advance screenings and special movie
events with the Visa Infinite Screening
Series. Visa Infinite Cardholders can
also enjoy presale access, priority
access line and exclusive benefits and
offers for the Toronto International
Film Festival.

Complimentary Visa Infinite Concierge

Service17
On-call 24 hours a day, seven days a week,
the Visa Infinite Concierge Service can help
with any Cardholder request — big or
small, to help you get the most out of life
whenever you travel, shop and use your
Card. Call toll-free 1-888-853-4458 (from
Canada and the U.S.) or 1-630-350-4545
(from outside Canada and the U.S.).
Visit visainfinite.ca to explore your
Visa Infinite Card benefits and opt in to
receive the latest offers.

Save on car rentals

Save a minimum of 10% on the lowest
available base rates18,19 in Canada and the
U.S., and a minimum of 5% on the lowest
available base rates18,19 internationally, on
qualifying car rentals at participating Avis
and Budget locations.

9
Avis
Reserve at avis.com/tdcreditcards
Quote Avis Worldwide Discount
(AWD) #C078400 at time of reservation
and charge the full rental to your
TD First Class Travel Visa Infinite Card.
Budget
Reserve at budget.com/tdcreditcards
Quote Budget Customer Discount
(BCD) #A331700 at time of reservation
and charge the full rental to your
TD First Class Travel Visa Infinite Card.

Apply for optional

Deluxe TD Auto Club Membership20
With optional Deluxe or Standard TD Auto
Club Membership, know that, in the event of
a road emergency, help is just a phone call
away. For information and to enroll, call
1-800-245-0297.
Learn more at td.com/autoclub

10
 Insurance
Explore the insurance coverages
included with your TD First Class Travel
Visa Infinite Card.

Travel Medical Insurance21

You’re covered without even having to
charge the trip to your Card! Your coverage
includes:
• Up to $2 million comprehensive
emergency medical coverage for when
you are travelling outside of your
province or territory, whether
internationally or within Canada.
• No out-of-pocket costs for eligible
emergency medical expenses.
• 24/7 medical assistance.
• Coverage for the first 21 days of your
trip if you are under 65 years of age. If
you or your spouse is aged 65 or older,
you are covered for the first four days of
your trip – for longer trips, top-up
coverage is available for purchase by
calling 1-800-293-4941.

Trip Cancellation/Trip Interruption

Insurance22
Use your Card and/or TD Rewards Points to
cover the full cost of your trip, and you’ll
have coverage for:
• Up to $1,500 per insured person to a
maximum of $5,000 for all insured
persons if you need to cancel your
travel plans before you leave because
of a covered cause.
• Up to $5,000 per insured person to a
maximum of $25,000 for all insured
persons per covered trip if you need to
come home early due to a covered
cause.

11
 • Need additional coverage? You may
be eligible to increase your coverage
for an additional premium by calling
1-800-293-4941.

Common Carrier Travel Accident

Insurance23
You, your spouse and dependent children
are insured for up to $500,000 while
travelling on a common carrier (such as a
bus, ferry, plane or train) whenever you
charge the full cost of your transportation to
your Card and/or use TD Rewards Points.

Auto Rental Collision/Loss Damage

Insurance24
Use your Card and/or TD Rewards Points to
pay for the full cost of an eligible car rental
and get the Collision Damage Waiver (CDW)
coverage at no additional cost for up to
48 consecutive days. Please note that some
rental agencies may require you to buy CDW
coverage from them: contact them before
reserving a car to verify their policies.

Delayed and Lost Baggage Insurance25

If your baggage is delayed for more than
6 hours, or is lost by a Common Carrier, each
insured person has coverage for emergency
purchases of essentials, such as clothing and
toiletries. Use your Card and/or
TD Rewards Points to cover the full cost of the
tickets and each insured person is covered
up to an overall maximum of $1,000 per trip.

Mobile Device Insurance26

Get mobile device protection of up to
$1,000 in the event of loss, theft, accidental
damage or mechanical breakdown for
eligible mobile devices when you use your
Card to pay all of your monthly mobile bill
payments and any upfront costs, or charge
at least 75% of the purchase price when
paying the full cost of your new mobile
device up front.
12
Purchase Security and Extended
Warranty Protection27
You automatically have access to this
coverage for eligible items you’ve
purchased with your Card:
• Repair, replacement or reimbursement
should eligible items be stolen or
damaged within 90 days of purchase.
• Double your warranty, up to
12 additional months, if the eligible
item came with a manufacturer’s
warranty valid in Canada.

Hotel/Motel Burglary Insurance26

When you stay at a hotel/motel within Canada
or the United States and use your Card and/or
TD Rewards Points to cover at least 75% of the
total cost of your stay, you will receive up to
$2,500 of coverage per occurrence for most
personal items stolen from your hotel or motel
room belonging to the Cardholder on the
Account and eligible family members travelling
with the Cardholder.

Flight/Trip Delay Insurance28

If your trip is delayed more than four hours,
each insured person is covered for up to
$500 for reasonable and eligible hotel, motel
or restaurant expenses whenever you charge
at least 75% of the cost of your transportation
to your Card and/or TD Rewards Points.

Be prepared with optional TD Credit

Card Payment Protection Plan29
Optional TD Credit Card Payment
Protection Plan insurance products
are designed to help you make your
TD Credit Card payments in the event
of a covered Job Loss, Total Disability
or Loss of Life.
• To learn more about optional Payment
Protection Plan or to enroll, call
1-800-294-8602 or visit td.com/BP

13
 

Help and assistance.

• If your TD Credit Card is damaged or
not working, you can request a
replacement Card online through
EasyWeb, through the TD app using
your mobile device, or by phone at
1-800-983-8472.
• If your TD Credit Card has been lost or
stolen, you must immediately report
this to us by phone at 1-800-983-8472.
• Fast, reliable access to cash. You can
ask for an emergency Cash Advance30
of up to $5,000 in emergency funds
(subject to your available credit limit), at
over one million ATMs internationally, at
all TD Canada Trust branches and at
select financial institutions around the
world.
• Getting information when you need it.
The TD Credit Card Contact Centre can
also provide you with important
information, such as the location of the
nearest Visa member office for Cash
Advances or contact numbers for
embassies and consulates.

Ways to Pay
Save time with Apple Pay2, Google Pay™,2
and Samsung Pay2
Mobile Wallets are accepted by many
shops, restaurants and retailers, making
it a convenient and easy way to pay for
everyday purchases with just a tap of
your phone.
Learn more at
td.com/waystopay

14
Tap to pay with Visa
Contactless payments are a secure way to
pay for small-dollar purchases at
participating retailers. It’s fast and more
convenient than cash, and your Card never
leaves your hand.

Pay online easily and securely

Online buying is evolving so you can pay
with fewer clicks. Paying online with your
TD Visa Card is easy, smart, and secure. Just
click to pay with your TD Visa when you see
the Click to Pay icon where Visa is accepted.
Enroll now at visa.ca

Manage your Account, your way

TD Green Machine® ATMs

Access and manage your Card Account

at any of our ATMs.
Find an ATM at
td.com/branchlocator

EasyWeb® Online banking

Manage your Card Account easily online.

Log in to EasyWeb at
easyweb.td.com

EasyLine® telephone banking

Give us a call to access or manage your

Card Account.
Call
1-866-222-3456

TD app

Get secure access to TD’s mobile

banking service anywhere you are.
Learn more at
td.com/app

15
Balance Transfers
Consider consolidating higher-rate non-TD
credit card balances you may have to your
TD First Class Travel Visa Infinite Card
Account through a Balance Transfer31.
You can more easily keep track of your
expenses with one monthly payment. Talk
to us about the convenience and potential
interest savings of a balance transfer.
Visit your TD branch or call
1-800-983-8472.

Payment Plans
Turn credit card purchases into
manageable monthly payments. This
convenient feature gives you more control
over your budget knowing when these
purchases are paid off in full. This can
come in handy if you’re planning to buy a
new laptop, go on a trip or start a home
renovation project. (Conditions apply.
Visit td.com/paymentplans for details.)

Emergency Travel Assistance Services32

Help is just a call away with toll-free
access to help in the event of a personal
emergency while travelling. Emergency
Travel Assistance Services can help
you with:
• Translation services in the event of an
emergency situation.
• Lost document and ticket replacement.
• Emergency Cash Transfer in the event
of a theft, loss or emergency – our
Administrator can assist you to obtain
a Cash Advance, which will be
charged to your Account.
• In Canada and the U.S., call
1-866-374-1129.
• In other countries, call collect
416-977-4425.

16
 Keeping Your
Card Secure
Visa Zero Liability
Shop online and in person securely with
Visa Zero Liability and be protected, in the
event that unauthorized transactions are
made on your Card. See your Cardholder
Agreement for complete information on
unauthorized transactions and your
responsibilities, including your
responsibility to protect your PIN.

Lock or unlock your Card

Misplaced your TD Credit Card? Feel more
confident by locking your Card in the
TD app. When locked, pre-authorized
payments and ATM transactions will still go
through, credit card payments will still be
accepted, and you can make transfers. If
you find your Card, it’s just as easy to
unlock it.

Keep your Personal Identification

Number (PIN) Secure
• Choose a PIN you can remember
that’s difficult to guess. Don’t use a
phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand
or body to shield the keypad when
you enter your PIN.
• Never let anyone else know or use
your PIN or use your Card.
• Make transactions only when and
where you feel secure. If in doubt,
don’t use your Card.
• Reset your PIN at a TD branch or
24/7 at any TD ATM.

17
Shop with confidence with Chip & PIN
technology
Chip & PIN technology provides an added
level of security through the use of a
Personal Identification Number (PIN).

24-hour Fraud Protection

Our enhanced protection measures are
part of an industry-wide effort to protect
you from the inconvenience of Credit Card
fraud. In the event that our advanced fraud
prevention system detects unusual activity
relating to your Account:
• You may receive a phone call from a
TD Credit Card Customer Service
Representative asking you to confirm
that you, or an Additional Cardholder,
performed a transaction on your
TD Credit Card Account.
• During a transaction, a merchant
may receive an electronic message
requesting that they contact the
TD Credit Card Contact Centre and
allow you to speak with one of our
Customer Service Representatives.
• Your Card may be temporarily blocked
until we can contact you for verification.
• You can automatically receive TD Fraud
Alerts to your mobile phone any time
we suspect suspicious activity on your
TD First Class Travel Visa Infinite Card,
or on any Additional Cardholder’s Card
on your Account.
Learn more at
td.com/fraudalerts

18
 Contact and
Support
For more information about your Card:
TD Credit Card Contact Centre (7 a.m. to
12 midnight ET, seven days a week):
Within Canada and the U.S.:
1-800-983-8472
Outside Canada and the U.S.,
call collect: 416-307-7722
TTY (text telephone):
1-866-704-3194

To report a lost or stolen Card and

arrange a replacement Card:
Loss Prevention Centre (24 hours):
Within Canada and the U.S.:
1-888-347-3261
Outside Canada and the U.S.,
call collect: 416-308-3763

For information on travel protection

or to make a claim:
Travel Insurance:
Within Canada and the U.S.:
1-866-374-1129
Outside Canada and the U.S.,
call collect: 416-977-4425

For more information about the

TD Travel Rewards Program, including
your TD Rewards Points balance:
TD Rewards Points:
Within Canada and the U.S.:
1-800-983-1043

19
Annual interest rates, fees and features are current
as of April 30, 2025, unless otherwise indicated and
subject to change.
1 Earn 4 TD Rewards Points for every $1 in Purchases
you make on your TD First Class Travel Visa Infinite*
Card (“Account”) that are classified by the Visa
payment network’s Merchant Category Code
(“MCC”) as Digital Goods Media – Books, Movies,
Music (MCC 5815), Digital Goods – Games (MCC
5816), Digital Goods – Applications (MCC 5817),
Digital Goods – Large Digital Goods Merchants
(MCC 5818), Cable, Satellite and Other Pay
Television/Radio/Streaming Services (MCC 4899)
(“Streaming, Digital Gaming & Media Purchases”),
or by the Visa payment network as recurring
payments that are pre-authorized with a merchant
to occur on a monthly or other regularly recurring
basis (“Recurring Bill Payments”). The TD Rewards
Point earn rate on recurring bill payments and
Streaming, Digital Gaming & Media is only
available on the first $25,000 in annual net
Purchases (“Annual Cap”). If your total Purchases in
this category exceed the Annual Cap in a year, you
will earn the Base Earn Rate on these Purchases for
the remainder of the year. If you have questions
about the MCC that applies to a Purchase, contact
TD at 1-800-983-8472.
2 Subject to current $250 limit for point-of-sale
transactions. Certain transactions may not be
completed outside of Canada and in-app
availability may be limited. Certain merchants may
set their limit under $250. Please check with the
merchant about the limit before using Apple Pay,
Google Pay or Samsung Pay.

20
 Please visit http://www.apple.com/ca/apple-pay/
for a complete list of Apple Pay-compatible devices,
https://pay.google.com/intl/en_ca/about/ for a
complete list of Google Pay compatible devices,
and https://www.samsung.com/ca/apps/samsung-
pay/ for a complete list of Samsung Pay compatible
devices.
3 The Toronto-Dominion Bank is not responsible for
any third party retail apps, including their use and
any services or products provided through such
apps.
4 Earn 8 TD Rewards Points for every $1 in Purchases
made through Expedia For TD and charged to your
TD First Class Travel® Visa Infinite* Card Account.
5 Expedia For TD is operated by Expedia, Inc. at
ExpediaForTD.com and 1-877-222-6492. The
Toronto-Dominion Bank and its affiliates are not
responsible for any of the services and products
offered/provided by Expedia, Inc.
6 Earn 6 TD Rewards Points for every $1 in Purchases
you make on your TD First Class Travel Visa Infinite
Card (“Account”) at merchants classified by the
Visa payment network’s Merchant Category Code
(“MCC”) as Grocery Stores and Supermarkets
(MCC 5411) (“Grocery Purchases”), or Eating Places
and Restaurants (MCC 5812), Drinking Places (MCC
5813), and Fast Food Restaurants (MCC 5814)
(“Dining Purchases”), or Local and Suburban
Commuter Passenger Transportation, Including
Ferries (MCC 4111) (“Public Transit Purchases”). The
TD Rewards Point earn rate for each of Grocery
Purchases, Dining Purchases, and Public Transit
Purchases is only available on the first $25,000 in
annual net Purchases in each category (“Annual
Cap”). If your total Purchases in one of these
categories exceeds the Annual Cap in a year, you
will earn the Base Earn Rate on Purchases in that
category for the remainder of the year. If you have
questions about the MCC that applies to a
Purchase, contact TD at 1-800-983-8472.
7 Earn 2 TD Rewards Points (“Base Earn Rate”) for
every $1 on all other Purchases that do not fall
into any other Purchase category identified in the
TD Rewards Program Terms and Conditions
(“Other Purchases”) charged to your TD First Class
Travel® Visa Infinite* Card Account (“Account”).
Any returned items, refunds, rebates, or other
similar credits will reduce or cancel the TD Rewards
Points earned on the original Purchase. Fees, Cash
Advances (including Balance Transfers, and
Cash-Like Transactions), interest charges, optional
service, refunds, rebates, or other similar credits do
not earn TD Rewards Points. For more details,
please review the TD Rewards Program Terms and
Conditions at td.com/agreements. Other
Conditions: Offer may be changed, withdrawn, or
extended at any time and cannot be combined

21
 with any other offer. The Account must be open &
in Good Standing on the date points are awarded
to qualify.
9 The TD Rewards Birthday Bonus applies only to the
Primary Cardholder of a TD First Class Travel®
Visa Infinite*Card. Each year, you will receive a
TD Rewards Birthday Bonus (“Birthday Bonus”) on
your Account, equal to 10% of the total number of
TD Rewards Points earned over the 12 months
preceding the Primary Cardholder’s birthday, to a
maximum Birthday Bonus of 10,000 TD Rewards
Points. The TD Birthday Bonus is only calculated on
Points earned while using your current TD First
Class Travel® Visa Infinite Account. This means that
previously earned points on other rewards Cards,
point adjustments, acquisition bonus points, or
other promotional TD Rewards Points earned do
not count towards your Birthday Bonus. The
Account must be open & in Good Standing on the
date points are awarded to qualify.
10 Primary Cardholder remains liable for all charges to
the Account, including those made by any
Additional Cardholder. A maximum of 3 Additional
Cardholders are allowed on the Account.
11 You can redeem your TD Rewards Points directly
through Expedia For TD at the time you make your
Travel Purchase. You may pay for your Travel
Purchase by using all or some of your TD Rewards
Points. When you make a Travel Purchase directly
through Expedia For TD, every 200 TD Rewards
Points are worth $1. You can only redeem in
increments of 200 TD Rewards Points at the time of
booking. Any TD Rewards Points that you redeem
towards these Travel Purchases will appear as a
credit to the Account.

You may redeem TD Rewards Points in other

manners that we may allow from time to time
(including for Travel Purchases made through a
travel agency, supplier or provider that is not
Expedia For TD). For more information about how
to redeem TD Rewards Points visit td.com/
tdrewardspoints.
12 Subject to carrier or space availability.
13 The Amazon.ca Shop with Points program for
TD Rewards Points (“SWP for TD”). is provided by
Amazon.ca. To use your TD Rewards Points to pay
for an order at Amazon.ca, your eligible TD credit
card must be linked to your Amazon.ca account. For
more information, including how to enrol in SWP for
TD and terms, conditions and restrictions, visit
www.amazon.ca/tdrewards. Amazon.ca is operated
by Amazon.com, Inc. The Toronto-Dominion Bank
and its affiliates are not liable or responsible for
SWP for TD or any of the services and products
offered/provided by Amazon.ca. SWP for TD may be
amended or cancelled at any time without notice.
22
14 You will receive one $100.00 TD Travel Credit on
your first Eligible Travel Credit Purchase posted to
the Account in a calendar year. In order to receive
the TD Travel Credit, the Account must be open,
Active and in Good Standing. An Eligible Travel
Credit Purchase means:
• A Hotel, Motel, Lodging, or Vacation Rental
Purchase of $500.00 CAD or more made with
Expedia For TD; or
• A Vacation Package Purchase of $500.00 CAD
or more made with Expedia For TD, that includes
a Hotel, Motel, Lodging or Vacation Rental
booking packaged with a transportation booking.
See your TD Rewards Program Terms and
Conditions for more details.
15 TD First Class Travel Visa Infinite Primary Cardholders
have access to participating lounges within the Visa
Airport Companion Program (“Program”), hosted and
managed by DragonPass International Ltd.
Cardholders must enroll for this benefit either
through the Visa Airport Companion App (available
to download for free) or on the Program Website
(visaairportcompanion.ca) using a valid TD First
Class Travel Visa Infinite Card. Upon enrollment,
4 complimentary lounge visits will be available for
the Cardholder per membership year; the
complimentary visits can be used by the Primary
Cardholder for themselves and for their
accompanying guests at participating lounges. All
additional visits beyond the complimentary visits are
subject to a fee of $32 USD (subject to change) per
person per visit. Pre-bookings must be made by the
enrolled Cardholder and the enrolled Cardholder
needs to be in attendance to fulfill the pre-booking.
The Cardholder can either pay for each visit or use a
complimentary lounge visit plus a pre-booking fee
for each accompanying guest(s), including the
Cardholder. Applicable lounge access charges will
be billed to the Card connected to the Cardholders’
Program membership. Unless suspended or
cancelled, the Program membership and any
included complimentary lounge visits (if applicable)
will automatically renew annually on the anniversary
date (e.g. when the Cardholder enrolled for the
Program). To view a full list of participating airport
lounges, their facilities, opening times and
restrictions, Cardholders can visit the Program App
and Website for more information. Cardholders who
participate in the Program are subject to the
DragonPass Terms of Use, Terms of Service and
Privacy Policy and Visa’s Privacy Notice. To view the
full Terms and Conditions for the Program, please
visit the Program App or Website. The Program
services and benefits are provided by DragonPass
and applicable third party offer providers and neither
Visa nor TD is responsible for any claims or damages
23
 arising from participation in the Program.
16 You must be an eligible Visa Infinite Cardholder with
a valid Canadian-issued Visa Infinite Card to take
advantage of the Visa Infinite benefits and services.
Certain benefits and services require enrollment.
Offers and benefits are non-transferable, and
discounts cannot be combined with any other offer
or discount. Neither Visa nor the Issuer of the Card
is responsible for any claims or damages arising
from use of any benefits or services provided by a
third party. Visa reserves the right to modify or
cancel offers or benefits at any time and without
notice. All offers, benefits and services made
available through Visa are subject to complete
terms and conditions, including third party
suppliers’ terms and conditions, available online at
visainfinite.ca/infinite/terms.jsp The Visa Infinite
privacy policy (available online at visainfinite.ca/
infinite/privacy.jsp) applies to all benefits and
services that require enrollment through, or are
otherwise provided by, the Visa Infinite Concierge or
the Visa Infinite website. The collection, use and
disclosure of Cardholders’ personal information by
third party suppliers of services and benefits to
Visa Infinite Cardholders are subject to such third
parties’ own privacy policies.
17 The goods and services Cardholders request or
otherwise choose to obtain through the Visa Infinite
Concierge Service are provided by various
third-party service providers unrelated to Visa. Visa
does not endorse, review or qualify these service
providers. Visa makes no representations or
warranties (either express or implied) about, and
assumes no responsibility or liability for, these
service providers or the goods and services that
may be obtained through the Visa Infinite
Concierge. Neither Visa nor the Issuer is responsible
for any claims or damages arising from use of any
benefits or services provided by a third party. Visa
cannot guarantee the successful fulfillment of
Cardholders’ requests in all instances. There is no
fee for the Concierge’s services; however,
Cardholders are responsible for the cost of any
goods or services (including any related fees or
costs) authorized by the Cardholder and purchased
by the Visa Infinite Concierge on the Cardholder’s
behalf. All costs will be charged directly to the
Cardholder’s Visa Infinite Card.
18 Provided by Avis Rent A Car System ULC. Minimum
discount offer subject to terms and conditions,
which may change without notice. Blackout dates
may apply. Base rate refers to time and kilometre/
mile charges only. Taxes, fees and surcharges are
extra. The Toronto-Dominion Bank is not responsible

24
 for any vehicles, services, discounts or other offers
made available by Avis Rent A Car System ULC.
19 Provided by Budget Rent A Car System, Inc.

Minimum discount offer subject to terms and

conditions, which may change without notice.
Blackout dates may apply. Base rate refers to time
and kilometre or mile charges only. Taxes, fees and
surcharges are extra. The Toronto-Dominion Bank is
not responsible for any vehicles, services, discounts
or other offers made available by Budget Rent A Car
System, Inc.
20 TD Auto Club is provided by Dominion Automobile

Association (2004) Limited, an independent

third-party service provider. The Toronto-Dominion
Bank and its affiliates accept no responsibility in
respect of these services.
21 Underwritten by TD Life Insurance Company.

Medical and claims assistance, claims payment

and administrative services are provided by our
Administrator. Benefits, features and coverages are
subject to conditions, limitations and exclusions,
including a pre-existing condition exclusion, that are
fully described in the Certificate of Insurance
included with your TD Credit Cardholder
Agreement. Note that this insurance offers different
benefits, with different terms and conditions, than
the optional Travel Medical Insurance that is
available to all TD customers. The day of departure
from and the day of return to your province or
territory of residence each count as one full day.
21-day coverage if you’re under 65 and 4-day
coverage if you’re 65 or older.
22 Underwritten by TD Life Insurance Company (for

medical covered causes) and TD Home and Auto

Insurance Company (for non-medical covered
causes). To be eligible for this insurance, your trip
must be paid for in full using your TD Credit Card
and/or TD Rewards Points. Benefits, features and
coverages are subject to conditions, limitations and
exclusions, including a pre-existing condition
exclusion, that are fully described in the Certificate
of Insurance included with your TD Credit
Cardholder Agreement. Note that this insurance
offers different benefits, with different terms and
conditions, than the optional Trip Cancellation and
Trip Interruption Insurance that is available to all
TD customers.
23 Underwritten by TD Life Insurance Company. To be

eligible for this coverage, your trip must be paid for

in full using your TD Credit Card and/or TD Rewards
Points. Benefits, features and coverages are subject
to conditions, limitations and exclusions that are
fully described in the Certificate of Insurance
included with your TD Credit Cardholder
Agreement.

25
24 Underwritten by TD Home and Auto Insurance
Company. Car rentals must be charged in full to the
Card and/or associated TD Rewards Points, cannot
exceed 48 consecutive days and the rental agency’s
Collision Damage Waiver (CDW) coverage must be
declined by the Cardholder. Please note, in some
jurisdictions, rental agencies may require you to
purchase the CDW coverage from them — it is
important to call before booking your car rental to
confirm their insurance requirements. Refer to the
Auto Rental Collision/Loss Damage Insurance
section of your TD Credit Cardholder Agreement for
rental exclusions and further details.
25 Underwritten by TD Home and Auto Insurance

Company. To be eligible for this coverage, your trip

must be paid for in full using your TD Credit Card
and/or associated TD Rewards Points. Benefits,
features and coverages are subject to conditions,
limitations and exclusions that are fully described in
the Certificate of Insurance included with your
TD Credit Cardholder Agreement.
26 Insurance coverages are underwritten by American

Bankers Insurance Company of Florida (ABIC) under

Group Policy TD102022. Benefits, features and
coverages are subject to conditions, limitations and
exclusions that are fully described in the Certificates
of Insurance included with your TD Credit
Cardholder Agreement. ABIC, its subsidiaries, and
affiliates carry on business in Canada under the
trade name of Assurant®. ®Assurant is a registered
trademark of Assurant, Inc.
27 Underwritten by TD Home and Auto Insurance

Company. To be eligible for this coverage, the item

must be paid for in full using your TD Credit Card.
Benefits, features and coverages are subject to
conditions, limitations and exclusions that are fully

26
 described in the Certificate of Insurance included
with your TD Credit Cardholder Agreement.
28 Underwritten by TD Home and Auto Insurance

Company. To be eligible for this coverage, at least

75% of your trip cost must be paid for using your
TD Credit Card and/or associated TD Rewards Points.
Benefits, features and coverages are subject to
conditions, limitations and exclusions that are fully
described in the Certificate of Insurance included
with your TD Credit Cardholder Agreement.
29 Life coverage is underwritten by American Bankers

Life Assurance Company of Florida and Job Loss

and Total Disability coverages are underwritten by
American Bankers Insurance Company of Florida.
The Toronto-Dominion Bank receives a fee from
each insurer with respect to premium collection.
Complete terms of coverage are in the Certificate of
Insurance you will receive upon enrollment.
Eligibility requirements, limitations and exclusions
apply, and vary by benefit.
30 Cash Advance is subject to available credit. Fees

apply to applicable Cash Advances and Cash

Advances accrue interest at the Cash Advance rate
that applies to your Account from the date the Cash
Advance is made.
31 Subject to available credit. Balance Transfers are

treated as Cash Advances and accrue interest at

the Cash Advance rate that applies to your Account
from the date the Cash Advance is made. See your
Cardholder Agreement for complete information on
Cash Advances including how we apply your
payments and interest to Cash Advances.
32 Provided by our Administrator under a service

agreement with TD Life Insurance Company. This is

not an insurance benefit but assistance services only.

All trade-marks are the property of their respective

owners.
* Trademark of Visa Int.; Licensed user.
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trademarks of Amazon Services International, Inc. or
its affiliates.
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Corporation. © 2025 Starbucks Coffee Company.
All rights reserved.
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trademarks of Apple Inc., registered in the U.S. and
other countries. Apple Pay and Touch ID are
trademarks of Apple Inc.
Google Pay is a trademark of Google LLC.
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trademarks of Samsung Electronics Co., Ltd.
® The TD logo and other TD trademarks are the
property of The Toronto-Dominion Bank or
its subsidiaries.

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