Travelling for business is better when you can do it together Travel perks you can share with friends and family For exceptional shared air travel experiences Enjoy flexible rewards to help make the most of your travels.

Interest rates, fees and features are effective as of August 17, 2021, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

^{^} The up to $2,400 value is based on the combined total value of: The actual redemption value of the Buddy Pass as of May 31, 2021 (over 70% of cardholders received at least $350 value); Free first checked bags for two people, on a round-trip flight in the first year ($120); Usage of the Nexus statement credit benefit at at an approximate exchange rate of $1.25 USD as of May 31, 2021 ($50 USD = $62.50 CAD for each cardholder = $125 CAD); and that the 65,000 Aeroplan points upon approval of your TD Aeroplan Visa Infinite Privilege card are redeemed for a flight reward ($1,300), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of May 31, 2021. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 - May 31, 2021; and unlimited Maple Leaf Lounge access in North America ($550 based on annual membership cost, based on average published rate for Maple Leaf Lounge entry).

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html . Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html . All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

¹ Priority Airport Services A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the Primary Cardholder or Additional Cardholder may be required to show their qualifying credit card to the Air Canada agent.

² Priority Same Day Airport Standby and Upgrades A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Airport Standby, and a higher priority for upgrade requests to a premium cabin. Priority airport standby and upgrade clearance are available on day of travel when travelling on a fare that allows for airport standby or upgrades, and upon satisfying the applicable condition, such as payment of fees or use of upgrade instrument(s), such as eUpgrade credits. Benefit only applies for flights operated by Air Canada, Air Canada Rouge, or under the Air Canada Express brand. Priority on standby and upgrade lists is determined by several factors, including, but not limited to, holding Aeroplan Elite Status, an eligible Aeroplan-branded credit card, and other rules as determined by Air Canada in its sole discretion and as may be changed by Air Canada from time to time. See applicable Aeroplan Elite Status and eUpgrade conditions.

³ Must apply by December 5, 2021. Welcome Bonus of 20,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite Privilege* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 45,000 Aeroplan points and the bonus Buddy Pass, you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 45,000 Aeroplan points and the bonus Buddy Pass, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points, additional bonus Aeroplan points and bonus Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass to be credited to your Aeroplan Member account.

The bonus Buddy Pass entitles a companion to accompany the Primary Cardholder for a $0 base fare, when a published Economy Class fare marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand is booked for travel wholly within North America. The pass is valid for 12 months from the date of issuance. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once for travel wholly within North America, which is defined as Canada, the United States (including Hawaii), and Mexico. Companion will be responsible to pay all applicable taxes, fees, and charges that apply above the base fare. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase of a ticket, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. The pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the pass is reinstated in the Primary Cardholders account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable and all applicable taxes, fees, and charges that apply above the base fare. Companions who are members of the Aeroplan program or other partner frequent flyer programs will not be eligible to accumulate points or miles for the ticket issued in exchange for the companion pass. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows for such benefits and upgrades. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services are subject to the General Conditions of Carriage & Tariffs and any other terms and conditions relating to air transportation services in effect at the time of booking, as determined by Air Canada in its sole discretion and as may be changed from time to time.

This one-time bonus Buddy Pass is only valid for eligible cardholders. You will not be eligible for the bonus Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. This offer may be changed, cancelled or extended at any time and cannot be combined with any other offers.

⁴ Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

⁵ Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category.Aeroplan points are earned on eligible purchases charged to the Account as follows:

• 2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of direct through Air Canada Products; or
• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery, Travel or Dining Products; or
• 1.25 Aeroplan points earned for each $1 in all other Purchases.
• Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $100,000 of Purchases of direct through Air Canada Products, Gas, Grocery, Travel or Dining Products.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery, Travel, Dining or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery, Travel, Dining or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery, Travel, Dining or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Air Canada Bonus Rate and Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

⁶ Preconditions/General T&Cs The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

⁷ Free First Checked Bag A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. See more information on baggage restrictions.

⁸ Annual Worldwide Companion Pass Primary Cardholders will receive one (1) Companion Pass after spending more than $25,000 on net purchases (less any returns and credits) in the 12 months prior to card renewal date. The pass will be deposited into the Aeroplan account up to 10 weeks after your cardholder renewal date. The pass entitles a companion to accompany Primary Cardholder for a fixed base fare, when Primary Cardholder books a published economy fare on a flight marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Passes are valid for 12 months from the date issued. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the full base fare will be charged, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once on their choice of travel (i) within Canada and continental United States (excluding Hawaii) for $99 CAD base fare (ii) to/from Hawaii, Mexico, Central America, and the Caribbean for $299 CAD base fare, (iii) to/from South America, Europe, Middle East, and Africa for $499 CAD base fare, and (iv) to/from Asia, Australia, and New Zealand for $599 base fare. Companion will be responsible to pay all applicable taxes, fees, charges and surcharges that apply above the companion’s base fare. All travel must originate or terminate in Canada or the United States. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. Pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the pass is reinstated in the Primary Cardholder’s account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable, and all applicable taxes, fees, charges and surcharges that apply above the base fare. Companions who are members of Aeroplan or other partner frequent flyer programs are eligible to accumulate points and/or miles for the ticket issued in exchange for the companion pass according to conditions of the fare brand purchased. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services on Air Canada are subject to the General Conditions of Carriage & Tariffs at the time of redemption.

⁹ You must be an eligible Visa Infinite Privilege Cardholder with a valid Canadian issued Visa Infinite Privilege Card to take advantage of the Visa Infinite Privilege benefits and services. Certain benefits and services require enrolment. 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 the 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. The Visa Infinite Privilege privacy policy applies to all benefits and services that require enrolment 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 Privilege Cardholders are subject to such third parties’ own privacy policies.

¹⁰ Complimentary Air Canada Maple Leaf Lounge Access A Primary Cardholder and Additional Cardholder(s) are each entitled to complimentary access to any Air Canada Maple Leaf Lounge located in Canada and the United States, including International Air Canada Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Guests of Primary Cardholders or Additional Cardholders may enter upon paying an applicable fee. Access will be granted in conjunction with a same-day, confirmed ticket on a flight marketed or operated by Air Canada, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline. Anyone under the age of majority entering an Air Canada Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Air Canada Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. See applicable Air Canada Maple Leaf Lounges Terms and Conditions.

¹¹ Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹² Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹³ The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program.

¹⁴ The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

¹⁵ The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Privilege 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 Privilege Concierge service. Neither Visa nor the Issuer is responsible for any claims or damages arising from the 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 Privilege Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite Privilege Card.

¹⁶ 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 Aeroplan 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.

¹⁷ 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 may be medically underwritten and is available for purchase to all TD customers, with which you may be eligible to top up. The day of departure from and the day of return to your province or territory of residence each count as one full day. 31-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

¹⁸ 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 Aeroplan 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.

¹⁹ 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 Aeroplan 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.

²⁰ Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. To be eligible for Hotel/Motel Burglary Insurance, stays must be at a hotel/motel within Canada or the United States and you must pay for at least 75% of the total cost of your stay with your Card and/or Aeroplan Points. To be eligible for Mobile Device Insurance you must use your Card to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Card when paying the full cost of your mobile device up front. 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 name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

²¹ Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan 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.

²² Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

²³ You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

²⁴ Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. 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 TD Auto Club Membership provided by AXA Assistance Canada Inc., an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

²⁶ 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 enrolment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

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See Air Canada and Aeroplan trade-mark ownership details.

™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.

* Trademark of Visa Int., used under license.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.