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TD Credit Card Enhancements in Effect: VIP Lounge Access!

Alexandrine Bertrand
Alexandrine Bertrand Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
All posts by Alexandrine Bertrand
May 1, 2025
Updated Sep 12, 2025
Fact checked by
Marie-Ève Leclerc
Marie-Ève Leclerc Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
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Editor's note from Milesopedia.com
Finance TD Credit Card Enhancements in Effect: VIP Lounge Access!
To the point As of May 1, 2025, TD is enhancing its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but is also increasing interest rates.

Last January, TD unveiled a series of changes to its entire credit card portfolio, effective May 1, 2025.

These changes mainly affect discount rates and benefits, with the addition of new multiplier categories such as:

  • Public transport;
  • Electric vehicle recharging;
  • Establishments serving alcohol (bars, nightclubs, lounges);
  • Streaming services, digital media and video games.

What’s more, the most noteworthy change concerns the TD First Class Travel® Visa Infinite* Card which will now offer a complimentary Visa Airport Companion membership and four annual airport lounge passes with DragonPass!

However, these improvements are accompanied by an increase in interest rates for the majority of cards.

TD Credit Cards - Summary of Changes

Map Main changes
TD First Class Travel® Visa Infinite* Card
  • Free Visa Airport Companion membership + 4 lounge accesses per year ( $285 value)
  • New multipliers on public transit (6 points per $), establishments serving alcohol (6 points per $), streaming services, video games and digital media (4 points per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD Platinum Travel Visa* Card
  • New multipliers on public transit (4.5 points per $), establishments serving alcohol (4.5 points per $), streaming services, video games and digital media (3 points per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD Rewards Visa* Card
  • New multipliers on public transit (3 points per $), establishments serving alcohol (3 points per $), streaming services, video games and digital media (2 points per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD® Aeroplan® Visa Infinite Privilege* Credit Card
  • New multiplier on electric vehicle recharging (1.5 points per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD® Aeroplan® Visa Infinite* Card
  • New multiplier on electric vehicle recharging (1.5 points per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD® Aeroplan® Visa Platinum* Credit Card
  • New multiplier on electric vehicle recharging (1 point per $)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD Cash Back Visa Infinite* Card
  • New cash bsck rates on public transit(3%), electric vehicle recharging(3%), establishments serving alcohol(3%), streaming services, video games and digital media(3%)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD Cash Back Visa* Card
  • New cash back rates on public transit(1%), electric vehicle recharging(1%), streaming services, video games and digital media(1%)
  • Interest rates on purchases and cash advances (QC only) increased to 21.99%.
TD Low Rate Visa* Credit Card
  • Reduced fees for returned payments to $10
  • Promotional balance transfer fees increased by up to 5%.
  • Addition of credit balance administration fees
  • Changes do not apply to residents of the Quebec

TD First Class Travel® Visa Infinite* Card

Changes include new access to airport lounges, new reward categories and increased interest rates.

Major new benefit

New reward categories

  • Public transit: 6 points per dollar (annual cap of $25,000)
  • Establishments selling alcohol (bars, nightclubs, lounges): 6 points per dollar (annual cap of $25,000)
  • Streaming services, video games and digital subscriptions: 4 points per dollar (annual cap of $25,000)

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99%
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

The full Review is available here.

The TD Rewards redemption rate for travel remains the same: 200 points for $1 on Expedia for TD and 250 points for $1 with Book Your Way.

TD Platinum Travel Visa* Card

Changes include new reward categories and increased interest rates.

New reward categories

  • Public transit: 4.5 points per dollar (annual cap of $15,000)
  • Establishments selling alcohol (bars, nightclubs, lounges): 4.5 points per dollar (annual cap of $15,000)
  • Streaming services, video games and digital subscriptions: 3 points per dollar (annual cap of $15,000)

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD Rewards Visa* Card

Changes include new reward categories and increased interest rates.

New reward categories

  • Public transit: 3 points per dollar (annual cap of $5,000)
  • Establishments selling alcohol (bars, nightclubs, lounges): 3 points per dollar (annual cap of $5,000)
  • Streaming services, video games and digital subscriptions: 2 points per dollar (annual cap of $5,000)

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Changes include new reward categories and increased interest rates.

New reward categories

  • Electric vehicle charging: 1.5 points per dollar (included in Gasoline category)
  • Public transport: 1.5 points per dollar (included in the Travel category)
  • Annual cap of $100,000 (unchanged) on 1.5-point categories

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD® Aeroplan® Visa Infinite* Card

Changes include a new rewards category and an increase in interest rates.

New reward categories

  • Electric vehicle charging: 1.5 points per dollar (included in Gasoline category)
  • Annual cap of $80,000 (unchanged) on 1.5-point categories

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD® Aeroplan® Visa Platinum* Credit Card

Changes include a new rewards category and an increase in interest rates.

New reward categories

  • Electric vehicle charging: 1 point per dollar (included in Gasoline category)
  • Annual cap of $80,000 (unchanged) on 1-point categories

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD Cash Back Visa Infinite* Card

The changes include new cash back categories and an increase in interest rates.

New cash back categories

  • Electric vehicle charging: 3% (annual cap of $15,000)
  • Public transit: 3% (annual cap of $15,000)
  • Streaming services, games and digital subscriptions: 3% (annual cap of $15,000 combined with pre-authorized payments)

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD Cash Back Visa* Card

The changes include new cash back categories and an increase in interest rates.

New cash back categories

  • Electric vehicle charging: 1% (annual cap of $5,000)
  • Public transit: 1% (annual cap of $5,000)
  • Streaming services, games and digital subscriptions: 1% (annual cap of $5,000 combined with pre-authorized payments)

Changes in interest rates

  • Purchasing: increase from 20.99% to 21.99
  • Penalty rate: increase from 25.99% to 26.99%
  • Cash advances (Quebec only): increase from 20.99% to 21.99%

Other changes

  • New administration fee on inactive credit balance (after 12 months)
  • Changes to cash advance transaction fees
  • Reduced fees for returned payments

The full Review is available here.

TD Low Rate Visa* Credit Card

The changes concern only miscellaneous expenses, with no change in interest rates.

Changes in transaction fees on cash advances and balance transfers

  • 1% of amount (minimum $3.50, maximum $10)
  • No charge for credit balances
  • Returned payment fee reduced from $48 to $10
  • Promotional balance transfer fee increased to 5% (previously 3%)

New fees

  • Administration fee on inactive credit balance after 12 months (maximum $10)

These changes do not apply to Quebec residents. The full Review is available here.

Bottom Line

Despite a rise in interest rates, TD is significantly enhancing the benefits of its credit cards as of May 1, 2025.

TD adds new categories to include sustainable modes of transport: electric vehicle recharging and public transport will be rewarded at the same rate as gasoline. The bank is also adding bars and nightclubs to the Restaurant category.

However, it is the TD First Class Travel® Visa Infinite* Card that stands out the most with the addition of access to VIP airport lounges. With four free accesses per year (a value of $285), it becomes one of the best travel credit cards in Canada.

There’s never been a better time to take advantage of the current welcome offer: up to 135,000 TD Rewards points ( $675 value in travel) and the first year free!

Come to discuss that topic in our Facebook Group!
Alexandrine Bertrand
Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
All posts by Alexandrine Bertrand

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