Overview
The TD Aeroplan Visa Infinite Privilege Card is the flagship of TD's Aeroplan credit card lineup and one of the most premium travel credit cards available in Canada. At $599/year, it's crafted from metal and loaded with benefits that frequent Air Canada flyers will appreciate: unlimited Maple Leaf Lounge access with a guest, an annual companion pass from $99, Priority Airport Services, and the highest Aeroplan earn rates of any TD card.
The current welcome offer delivers up to $3,000 in total value, including up to 85,000 Aeroplan points across a three-tier bonus structure. This card was voted Top Ultra Premium Credit Card by readers of Rewards Canada in 2024 — and it's easy to see why.
Earning Aeroplan Points
The Infinite Privilege tier offers the best earning rates in the TD Aeroplan family:
- 2 Aeroplan points per $1 on eligible Air Canada purchases (including Air Canada Vacations)
- 1.5 Aeroplan points per $1 on gas, EV charging, groceries, travel, transit, and dining
- 1.25 Aeroplan points per $1 on all other purchases
The breadth of the 1.5x bonus categories is impressive — it covers gas, groceries, travel, transit, and dining, which is a category not included in the Infinite card's 1.5x earn. The 1.25x floor on all other spending is also notably higher than the Infinite card's 1x base.
On $3,000/month in combined spending with a typical mix of dining, groceries, gas, and general purchases, you'd earn approximately 48,000+ Aeroplan points per year — before counting any welcome or anniversary bonus.
Earn Points Twice
Like all TD Aeroplan cards, you can earn points twice at over 150 Aeroplan partner brands and 200+ online retailers via the Aeroplan eStore. Show your Aeroplan number when you pay with your card and you'll earn both card points and partner points.
Points Never Expire
Your Aeroplan points never expire as long as you remain a TD Aeroplan Visa Infinite Privilege primary cardholder in good standing.
What Are Aeroplan Points Worth?
| Redemption Method | Value per Point | Notes |
|---|---|---|
| Fixed-point flight charts | 1.5–3.0¢+ | Best value, especially in premium cabins |
| Market fare flights | ~1.0–1.5¢ | Dynamic pricing based on cash fare |
| Upgrades | 1.5–2.5¢ | Bid or instant upgrades on Air Canada |
| Hotels, car rentals | ~1.0¢ | Through the Aeroplan travel portal |
| Merchandise, gift cards | ~0.5–0.8¢ | Poorest value — avoid if possible |
Aeroplan Family Sharing
Up to 8 family members can pool their Aeroplan points together through Aeroplan Family Sharing. With the Infinite Privilege card's high earn rate, you can be the anchor earner for your family's award travel.
Welcome Bonus Breakdown
The welcome offer is structured in three tiers, with the third being a one-time anniversary bonus:
| Tier | Requirement | Bonus |
|---|---|---|
| 1st purchase | Make any purchase with your new card | 20,000 Aeroplan points |
| $12,000 spend | Spend $12,000 within 180 days of account opening | 35,000 Aeroplan points |
| $24,000 spend (anniversary) | Spend $24,000 within 12 months of account opening | 30,000 Aeroplan points |
| Total | 85,000 Aeroplan points |
At a conservative 1.5¢/point valuation, that's $1,275 in points alone. TD values the total first-year package at up to $3,000 when factoring in the lounge access, companion pass, and other benefits.
Maple Leaf Lounge Access
The headline benefit: unlimited access to Air Canada Maple Leaf Lounges for the primary cardholder, including complimentary access for one guest. This applies when flying Air Canada and is a significant perk — Maple Leaf Lounge day passes cost $65+ each.
In addition, primary cardholders receive 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program — useful when you're flying non-Air Canada routes and want lounge access.
Annual Companion Pass
Receive an annual round-trip companion pass from $99 (plus taxes, fees, charges, and surcharges) on Air Canada flights. This lets you bring a travel companion along for a fraction of the regular fare. On popular routes, the savings can easily offset a significant portion of the card's annual fee.
Priority Airport Services
As an Infinite Privilege cardholder, you receive access to Priority Airport Services on Air Canada flights:
- Priority Boarding — Board before general boarding
- Priority Baggage Handling — Your bags come out first
- Priority Airport Standby — Get priority for standby seats
- Priority Airport Upgrades — Priority for day-of upgrade availability
These benefits make the airport experience noticeably smoother and are typically reserved for elite-status Aeroplan members.
Free Checked Bags
Free first checked bag (up to 23kg/50lb) for the primary cardholder and up to 8 travel companions on the same Air Canada reservation. Additional cardholders also receive this benefit. At Air Canada's standard checked bag fees, a family of four saves $280–$600 per round trip.
NEXUS Application Fee Rebate
Apply for the NEXUS trusted traveller program and receive an application fee rebate of up to $100 CAD once every 48 months. Unlike the Infinite card, the Infinite Privilege extends this benefit to additional cardholders as well.
Insurance & Benefits
The Infinite Privilege tier includes the most comprehensive insurance package:
- Travel emergency medical insurance — Coverage for medical emergencies while travelling
- Trip cancellation & interruption insurance — Reimbursement for pre-paid, non-refundable travel costs
- Flight delay & baggage insurance — Coverage for delays, lost, or damaged baggage
- Car rental collision/loss damage waiver — Decline the rental company's coverage
- Purchase protection & extended warranty — Protection on eligible purchases
- Mobile device insurance — Coverage for your smartphone against damage and theft
Partner Perks
- Starbucks — Link your card to earn 50% more Stars at participating Starbucks stores
- Visa and OpenTable — Exclusive primetime reservations at select restaurants across North America
- Aeroplan eStore — Earn bonus points at 200+ online retailers
- TD Offers — Exclusive perks and offers from TD and participating merchants
How It Compares
| Feature | Platinum ($89) | Infinite ($139) | Infinite Privilege ($599) |
|---|---|---|---|
| Air Canada earn rate | 1x | 1.5x | 2x |
| Bonus category earn rate | 1x | 1.5x | 1.5x (+ dining & travel) |
| Base earn rate | 1 per $1.50 | 1x | 1.25x |
| Free checked bags | |||
| Lounge access | Maple Leaf + guest | ||
| Companion pass | From $99 | ||
| Priority services | |||
| NEXUS rebate | + additional cardholders | ||
| Metal card | |||
| Income requirement | None | $60K/$100K | $150K/$200K |
Drawbacks to Consider
$599 Annual Fee
This is an expensive card. To justify the fee, you need to actively use the lounge access, companion pass, and earn enough bonus points to outpace a lower-tier card. The breakeven calculation favours frequent Air Canada flyers who spend $3,000+/month on the card.
No First-Year Fee Waiver
Unlike the Infinite and Platinum cards, the Infinite Privilege does not offer a first-year annual fee waiver. You're committing to $599 from day one.
Foreign Transaction Fee (2.5%)
At $599/year, many would expect no foreign transaction fees. Unfortunately, TD charges the standard 2.5% FX fee on non-CAD purchases. For a card at this price point, that's a notable omission.
High Income Requirement
You need $150,000 personal income or $200,000 household income to qualify — the highest threshold of any TD Aeroplan card.
Full Bonus Requires $24,000 in Spend
Unlocking all 85,000 welcome points requires $24,000 in spending within 12 months — $2,000/month. While achievable for high earners, it's a significant commitment.
Who Is This Card Best For?
This card is an excellent choice if you:
- Fly Air Canada frequently and want lounge access for yourself and a guest
- Value the companion pass for annual trips with a partner or family member
- Spend heavily across groceries, gas, dining, travel, and transit categories
- Want the highest possible Aeroplan earn rates on a single card
- Appreciate Priority Airport Services (boarding, baggage, standby, upgrades)
- Meet the $150,000/$200,000 income requirement
- Can put $2,000+/month on the card to maximize earning and justify the fee
It's not the best choice if you:
- Fly infrequently — the $599 fee is hard to justify without regular lounge use
- Spend frequently in foreign currencies and need to avoid FX fees
- Can't meet the income requirement — consider the Infinite ($139/year) instead
- Prefer a more flexible points program not tied to a specific airline
- Don't value lounge access or the companion pass
Bottom Line
The TD Aeroplan Visa Infinite Privilege Card is the ultimate Aeroplan credit card for high-spending, frequent Air Canada travellers. The combination of unlimited Maple Leaf Lounge access with a guest, an annual companion pass from $99, 2x earning on Air Canada, 1.5x on groceries, gas, dining, travel and transit, and Priority Airport Services creates a premium travel experience that few Canadian credit cards can match.
At $599/year, it's not for everyone — but for those who fly Air Canada regularly and spend enough to maximize the earn rates, the value easily exceeds the fee. The 85,000 point welcome bonus (worth up to $1,275 in flights) plus the companion pass and lounge access make the first year particularly compelling.
