Visa Infinite Benefits: What Are They and How Do You Access Them?
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Visa Infinite and Visa Infinite+ credit cards are among the best in the Canadian market. They offer strong welcome bonuses, an impressive range of earning opportunities, and a variety of reward types. This diversity of options makes it easy for pretty much everyone to find a card that suits their spending style and earning priorities.
The Visa Infinite and Visa Infinite+ families of cards also offer their cardholders many notable benefits, including savings at gas stations, free travel insurance, and complimentary airport lounge access (and more!).
Also included in the benefits package for every single Visa Infinite and Visa Infinite+ in Canada is a valuable add-on called “Visa Infinite Benefits”, but what exactly are these benefits, and how do you access them?
In this guide, we’ll go over each of the perks that come with the Visa Infinite Benefits package, including what they are and how to take advantage of these offerings.
Visa Infinite and Visa Infinite+ Credit Cards
The portfolio of Canadian Visa Infinite and Visa Infinite+ credit cards represents mid-tier premium options. They typically have an annual fee between $120 and $150 (which is sometimes waived for the first year) and a minimum income requirement of $60,000 individual and $100,000 household (though this will depend on the specific card).
Most of Canada’s major banks offer at least one Visa Infinite option. In some cases, the financial institution will give you the choice of multiple options, each earning a different type of reward. These rewards range from cash back to airline programs like Aeroplan and British Airways Avios to travel-focused programs like CIBC’s Aventura and RBC’s Avion to all-around lifestyle options like TD Rewards and Scotiabank’s Scene+.
Above the Visa Infinite tier, there’s also the even-more-premium Visa Infinite Privilege level. These cards offer increased benefits, often including annual credits, airport lounge access, and levelled-up versions of perks available with their Visa Infinite siblings.
Each Visa Infinite and Visa Infinite+ card also comes with its own set of perks that the issuing bank sets, plus an always-included array of benefits listed under « Visa Infinite Benefits » (as you can see on the TD First Class Travel® Visa Infinite* Card website in the image below.)
In the sections below, we’ll go over what the Visa Infinite Benefits package includes and how you can access each perk.
Visa Infinite Cards
The following are the most popular Visa Infinite and Visa Infinite+ cards available in Canada:
| Financial Institution | Visa Infinite/Visa Infinite+ cards |
|---|---|
| BMO | BMO eclipse Visa Infinite* Card |
| CIBC | CIBC Aeroplan® Visa Infinite* Card |
| RBC | RBC Avion Visa Infinite Card; RBC British Airways Visa Infinite Card; RBC More Rewards Visa Infinite Card; RBC Avion Visa Infinite Business Card |
| Scotiabank | Scotia Momentum® Visa Infinite+* Card; Scotiabank Passport™ Visa Infinite+* Card; Scotiabank Passport® Visa Infinite Business* Card |
| TD | TD Cash Back Visa Infinite* Card; TD® Aeroplan® Visa Infinite* Card; TD First Class Travel® Visa Infinite* Card |
| Wealthsimple | Wealthsimple Visa Infinite+ Card |
| Laurentian Bank | Laurentian Bank Visa Infinite* Card |
There are also Visa Infinite cards available with some local credit unions and other Canadian banks like Manulife Bank, Meridian, and Vancity.
Visa Infinite Benefits
Each of the above cards gives cardholders access to the following Visa Infinite Benefits:
Visa Infinite Concierge
The first perk that you can enjoy with your Visa Infinite or Visa Infinite+ card is access to a Visa Infinite Concierge, which gives you a complimentary personal assistance on-call 24 hours a day, seven days a week.
The concierge service is a helpful resource that you can use to get personalized information and referrals on things like travel, dining, entertainment, and more. By calling the concierge, you can get someone to help you book a restaurant, plan an itinerary for your week in Paris, call your Airbnb host in Morocco who doesn’t speak your language, and so much more.
In Visa’s words, the concierge feature is designed to support you with any request, « big or small, to help you get the most out of life whenever you travel, shop and use your card. »
How can a Visa Concierge help?
To give you an idea of the range of ways you can use your Visa Concierge, here are some examples of what they can help you with:
- Travel: Assistance with planning flights, accommodations, ground transportation, and recreation at your destination (or at home). This may include helping you make reservations, coordinating your schedule, and more
- Dining, Entertainment, and Recreation: These services could range from assisting you with getting tickets to an event, sports game, or museum, or helping you snag reservations at an exciting new restaurant
- Personal Services: You can also ask your Visa Infinite Concierge to help you organize a flower delivery, send a gift, or even help you think of a good idea for a gift if you’re not sure what to get someone.
The concierge can also call garages to price a car repair, find a good place for a haircut in a new city, or locate a bike shop that rents bicycles so you can pedal around a city you’re visiting.
As you can tell, this Visa Infinite benefit can be helpful in a lot of ways, and you may find that it becomes an invaluable resource both when you travel and at home.
You can reach your Visa Infinite Concierge toll-free by telephone at 1-888-853-4458.
Visa Infinite Luxury Hotel Collection
The next Visa Infinite benefit is actually 7 exclusive benefits that you can enjoy when you book an eligible hotel stay through the Visa Infinite Luxury Hotel Collection website and use your Visa Infinite or Visa Infinite+ credit card to pay.
The Visa Infinite Luxury Hotel Collection includes over 900 of the world’s most captivating, diverse, and prestigious properties. The offerings are also hand-selected and regularly assessed to ensure they meet the high standard of the program, and Visa adds new properties frequently.
Properties of all types and sizes are part of the portfolio, from smaller boutique hotels that capture local culture and charm (many of which are part of Hilton’s Small Luxury Hotels portfolio) all the way up to world-famous hotel brands like Park Hyatt, Waldorf Astoria, and Mandarin Oriental.
Visa Infinite Luxury Hotel Collection benefits
The 7 exclusive benefits that you can enjoy thanks to your eligible Visa Infinite or Visa Infinite+ card are:
- Best available room rate guarantee
- An automatic room upgrade when you arrive (when available)
- Complimentary in-room Wi-Fi (when available)
- Complimentary breakfast for two
- A $25 USD food/beverage credit
- VIP Guest status
- Late check-out upon request (when available)
In order to be eligible for these 7 perks, you must use an eligible Visa Infinite or Visa Infinite+ card to book and pay for your entire stay and must make your reservation either on a Visa Infinite Luxury Hotel Collection website or through your Visa Concierge.
Whether you’re booking one of the only 52 spectacular rooms at the Banyan Tree Higashiyama Kyoto or a family stay at the Intercontinental in Lisbon, booking through the Visa Infinite Luxury Hotel Collection website or the Visa Infinite concierge is a great way to amp up the value and luxury during your stay.
Additional considerations
In addition to taking advantage of the 7 benefits available with the Visa Infinite Luxury Hotel Collection, there are a couple of other rewards and savings opportunities worth noting.
First, if you have the option, we recommend making your reservation using a Visa Infinite/Visa Infinite+ card that offers a good earning rate on hotels/accommodations. For example, the TD First Class Travel Visa Infinite* Card earns 2 TD Rewards points per $1 spent on hotels, and the RBC Avion Visa Infinite earns 1.25 Avion points per $1 spent on travel.
If you’re travelling outside of Canada, it could also be beneficial to spend on a card that doesn’t charge the usual 2.5% foreign transaction (FX) fee like most cards. The Scotiabank Passport Visa Infinite +* Card is our top pick here as it not only doesn’t charge this fee, but it also gives you perks like free airport lounge access and comprehensive travel insurance coverage.
Keep in mind that you can also earn hotel loyalty rewards when you stay at eligible properties. The Visa Hotel Luxury Collection includes properties within the World of Hyatt program, the Hilton Honors program, and the Leading Hotels of the World’s Leader Club program.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $120 | |||
| $150 |
Visa Destinations
Visa Destinations, the next benefit on the list, is essentially a repository of curated ways that you can use your eligible credit card to access discounts, special deals, and unique experiences in destinations around the world.
The Visa Destinations website features selected cities across the globe. There are currently 9 destinations included as part of this feature: 7 cities and 2 countries: Paris, Dubai, London, Mexico City, Miami, San Francisco, Italy, and Thailand.
You can easily explore the available deals and experiences by searching either by destination or using the included categories like culture, dining, shopping, travel, entertainment, and wellness. When you find a perk that you’d like to use, just follow the instructions that come with it to redeem the deal.
To get a sense of what’s available, here are some of the current offerings that Visa Infinite and Visa Infinite+ cardholders can enjoy in Paris:
- Complimentary Fast Lane access at the Louvre for you and 3 guests
- 10% off up to 2 Paris Je T’Aime City Passes, saving you money on popular sights and attractions
- 2-star Michelin dining experience
- Luxury shopping experience at Printemps Haussmann
- Sommelier led wine tastings
- …and much more
Details, including prices and available dates, on each are available on the website. Offerings change often and can fill up, so book early if you’re interested and check back often to see what’s new and exciting.
Additional Considerations
If you’re headed abroad, you may want to consider a good travel credit card that doesn’t incur the usual 2.5% FX fees that most other Canadian cards charge.
As we mentioned in the section above, the strongest choice for these savings is the Scotiabank Passport Visa Infinite +* Card, which not only doesn’t charge FX fees but also comes with an array of travel perks and earns valuable Scene+ points that you can redeem to help cover the cost of your trip.
Visa Infinite Dining Series
Through the Visa Infinite Dining Series, eligible Visa Infinite and Visa Infinite+ cardholders get exclusive access to food and drink events across Canada. The program splits into the original Dining Series and Special Events, inviting cardholders to explore incredible culinary opportunities that change for each season.
To let cardholders know what events are coming up, the Visa Infinite Dining Series program releases a brochure each season (Spring/Summer/Fall/Winter) that lists the available dining experiences. These experiences feature highly sought-after restaurants, famous visiting chefs, and unique food and drink partnerships that you can access for only one or two nights with an eligible Visa credit card.
In the past, events have included:
- A collaborative celebration of food and drink at Pearl Morissette, Canada’s only 2-star Michelin restaurant, where visiting chefs from 3-Star Michelin SingleThread in Sonoma Valley, California, spotlight the best of each region and restaurant. (Price = $945 per person)
- One-night-only menus and experiences at restaurants like Pichai in Montreal ($200 per person), Mystic in Halifax ($245 per person), Jeju in Vancouver ($250 per person), Auberge du Pommier in Toronto ($425 per person), and many more
- Special prix-fixe menu at Maven in Toronto ($85 per person)
As you can see, the prices for the Visa Infinite Dining Series events can range from an approachable $85/person to a more lavish $945/person. You can expect this price range to be similar in each season, though the participating restaurants and chefs will change.
You can book events on the Visa Infinite Dining Series website with your eligible Visa Infinite or Visa Infinite+ credit card. Just act quickly when the new experiences are announced, as seating is limited and these events consistently sell out.
Additional considerations
When making a reservation for one of these delicious events, we recommend using a card that has a high category earning rate on food and drink expenses, such as the BMO eclipse Visa Infinite* Card, which earns 5 BMO Rewards points per $1 spent in this category, and the TD First Class Travel Visa Infinite* Card, which earns 6 TD Rewards points per $1 spent.
Visa Infinite Wine Country
Do you enjoy a glass of wine or two? How about exploring the beautiful wine-making regions of British Columbia and Ontario? If yes, you’ll likely enjoy the next benefit, the Visa Infinite Wine Country.
With this perk, you can use your eligible Visa Infinite or Visa Infinite+ card to experience exclusive benefits at select participating wineries. Depending on the location, the benefits may include private tastings, curated guided tours, preferred cardholder pricing, and more.
Locations and Perks
Using your eligible credit card, you can enjoy perks with wineries in the Okanagan Valley in BC, as well as the Niagara Region and Prince Edward County in Ontario.
To help you navigate the many wineries and benefits, Visa publishes two pages, one for Ontario and one for British Columbia, listing the participating wineries and the perks available at each. Depending on which winery you’re visiting, the perks may include a selection of the following:
- 2-for-1 tastings and guided tours for the first cardholders who book
- A complimentary glass of wine for the cardholder and a guest with the purchase of a tasting
- Private tastings and cellar or vineyard tours led by the winery team
- Visa Infinite pricing on tasting menus paired with local wines
- Priority access to buy library wines at select estates
- Exclusive experiences, such as a helicopter tour of Okanagan wineries
For example, at Road 13 Vineyards in Oliver, BC, the Seasonal Selections experience costs $20 per person, and the first 50 cardholders who book it get the 2-for-1 offer. In Ontario, The Grange in Prince Edward County offers Visa Infinite cardholders a private tasting of five wines paired with local cheeses for $66.50 per guest.
Accessing these benefits and discounts varies with each location. Tastings and tours require a reservation with the winery ahead of time, and you must present your eligible credit card at the property. For some 2-for-1 offers, you book online on the winery’s website using a promo code.
You can find these promo codes, rules for accessing perks, and information about all participating wineries on Visa’s Visa Infinite Wine Country page.
The program is now called Visa Infinite Wine Country. Along with year-round benefits at select wineries in British Columbia and Ontario, it offers guided tasting tours led by master sommeliers and wine-country dining experiences reserved for Visa Infinite cardholders.
Additional Considerations
Since wineries will likely fall within your Visa Infinite card’s food and drink/dining category, it’s best to use a card that has an elevated earning rate in this area.
As we mentioned in the Visa Dining Series section above, a couple of top Visa Infinite cards we recommend for earning on food and drink expenses are the BMO eclipse Visa Infinite* Card and the TD First Class Travel Visa Infinite* Card.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
Access Rewards
Access Rewards, the last major perk that’s part of the Visa Infinite Benefits package, is specifically designed for golfers looking to explore the amazing courses across the United States.
Previously known as Troon Rewards, Access Rewards launched on November 13, 2025, and gives eligible Visa Infinite and Visa Infinite+ cardholders an Access membership with automatic Silver Status. With this membership, golfers can book tee-times at more than 150 courses around the world, and they can earn Access Rewards points at over 50 of these properties.
How to access
You can easily access these benefits by going to the Access website or the Access Golf app and signing up with your email address and eligible Visa Infinite or Visa Infinite+ card number. If you’re already a member of Access Rewards, you can register your eligible credit card on the Visa Infinite Access website to get upgraded to the membership level above the one you currently have.
Membership levels
Your membership level determines the rate at which you earn Access Rewards points for each dollar you spend when you play at eligible courses or make purchases at Access Shop: Silver Status members earn 1.1x points, Gold Status members earn 1.15x points, and Platinum Status members earn 1.2x at eligible locations.
You can redeem the points you earn towards tee-time costs or for eligible purchases through the Access Shop. Keep in mind that Access Rewards points expire 24 months after they were issued.
Additional membership options
Access also offers Premium and Premium+ membership levels for $249 USD and $399 USD, respectively. These memberships get you discounts, guest passes, and automatic Silver or Gold status. If you golf often at the 150+ courses, this may be worthwhile for the discounts, but keep in mind that you’re already getting Silver status with your Visa Infinite card (and Platinum status if you have an eligible Visa Infinite Privilege card).
Other Benefits
In addition to all the benefits mentioned above, eligible Canadian Visa Infinite and Visa Infinite+ cardholders can take advantage of the following perks:
- Visa RSVP Rewards Benefits: Get automatic Platinum status with RSVP Rewards, the loyalty program for Sandman, Sandman Signature, and Sutton Place Hotels. With your Platinum status, you’ll earn points faster and enjoy perks such as dining discounts, free upgrades, and late check-out (all subject to availability). Learn more about RSVP Rewards on the program website.
- TIFF Benefits: Thanks to Visa’s partnership with the TIFF (Toronto International Film Festival), cardholders can access exclusive benefits such as ticket pre-sales, priority entrance at events, and lounge access at the Visa Screening Room and at Roy Thomson Hall during the annual film festival. You can take advantage of these perks by following Visa and TIFF on social media, where they’ll announce the new offers and packages when the festival schedule is set, and tickets are ready to go on sale.
- Canada Soccer: Canadian soccer fans who hold an eligible Visa Infinite or Visa Infinite+ card can access exclusive ticket pre-sales for National Team home matches. Follow Visa and Canada Soccer to stay up to date with events and on-sale dates.
- GigSky: Eligible cardholders get a complimentary 1 GB / 15-day mobile data plan with GigSky and also get 20% off all data plans to keep you connected around the world. Check out our article on the GigSky/Visa partnership to learn more.
- Booking.com: With your eligible Visa Infinite or Visa Infinite+ card, you can sign up for an account with Booking.com to save on eligible accommodations and get up to 8% back in travel credits. You can earn up to a maximum of $230 USD in travel credits, and you can then use them to save on future stays and more.
Discounts and card perks
Visa Infinite and Visa Infinite+ cardholders can also enjoy a selection of discounts on activities, travel expenses, and more. Examples of available discounts include 10% off with VIA Rail, 15% off at the Royal Ontario Museum (ROM), a 4th night free at Fairmont The Queen Elizabeth in Montreal and Fairmont Tremblant, plus savings for yoga classes and other lifestyle merchants.
Just keep in mind that these offers change often, so you’ll want to take a look at the Visa Infinite benefits website to confirm the current offerings.
Beyond all of the above perks that are part of the Visa Infinite Benefits package, each Visa Infinite and Visa Infinite+ card also offers its own array of perks and benefits curated by the financial institution.
While these benefit packages are unique to each card, they often include perks such as travel insurance, discounts with specific merchants, elevated rewards earning rates for partnered companies, annual credits, and more. Take a look at each card through the links below to find out more about their portfolio of perks.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $120 | |||
| $165 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $150 | |||
| $199 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $240 |
Bottom Line
The Visa Infinite Benefits package offers a fantastic variety of ways to access unique experiences and save money. With these perks conveniently included with every Visa Infinite and Visa Infinite+ credit card in Canada, it’s easy to access and enjoy some added value and fun opportunities.
We hope this guide has helped you better understand these perks and has inspired you to take advantage of these offerings and get a little bit more from your Visa Infinite or Visa Infinite+ credit card.
To keep up with the latest card offers, perks, and points news, sign up for our free newsletter.
Frequently Asked Questions
What are Visa Infinite Benefits?
Visa Infinite Benefits are a package of add-on perks available for free with every Visa Infinite and Visa Infinite+ credit card in Canada. There are 7 major benefits and a number of smaller benefits, including:
Which credit cards in Canada offer Visa Infinite Benefits?
All Visa Infinite and Visa Infinite+ credit cards in Canada come with Visa Infinite Benefits. These perks are automatically available as soon as you sign up for an eligible credit card, and they remain available as long as the card is in good standing.
How do I access my Visa Infinite Benefits with my credit card?
You access each Visa Infinite Benefit in a different way. Some require that you sign up for a membership, others require that you book through a specific website, and some need you to use a promo code. Check out our guide above to learn about each benefit and how to access it, so that you’re able to take full advantage of the discounts, promotions, and unique experiences on offer.
How do I contact the Visa Infinite Concierge?
You can reach the Visa Infinite Concierge toll-free at 1-888-853-4458. The service is available 24 hours a day, seven days a week, and it comes at no extra cost with your Visa Infinite or Visa Infinite+ card.
Do Visa Infinite Benefits cost extra?
No. Visa Infinite Benefits are included for free with every eligible Visa Infinite and Visa Infinite+ card in Canada. You only pay for individual experiences you choose to book, such as a Dining Series event or a hotel stay.
How many hotels are in the Visa Infinite Luxury Hotel Collection?
The Visa Infinite Luxury Hotel Collection includes over 900 properties worldwide. When you book an eligible stay through the official website or your Visa Concierge and pay with your eligible card, you receive 7 exclusive benefits, including a room upgrade when available and complimentary breakfast for two.
What is the difference between Visa Infinite and Visa Infinite Privilege benefits?
Visa Infinite Privilege cards sit one tier above Visa Infinite and add enhanced perks. For example, with Access Rewards golf, Privilege cardholders get automatic Platinum status (1.2 points per dollar) and access to Troon Privé private clubs, compared to the automatic Silver status (1.1 points per dollar) that comes with a Visa Infinite card.
