TD Aeroplan Visa Infinite Privilege

Overview

The TD Aeroplan Visa Infinite Privilege Card is TD Bank's top-tier personal Aeroplan card, sitting above the TD Aeroplan Visa Infinite in both earn rates and perks. It carries a $599 CAD annual fee and a steep income threshold — $150,000 CAD personal or $200,000 CAD household — making it a product for high earners who fly Air Canada frequently. The earn structure runs three tiers: 2x Aeroplan points on direct Air Canada purchases, 1.5x on gas, groceries, dining, travel and transit, and EV charging, and 1.25x on all other eligible purchases. That 1.25x base rate is meaningfully above the 1x floor most Visa Infinite cards sit at.

Who this card is for

This card is for frequent Air Canada travellers in upper income brackets who want lounge access, elevated earn rates, and premium travel perks bundled into a single Visa. The Maple Leaf Lounge access is the headline benefit — it changes the airport experience fundamentally for anyone departing on Air Canada or Star Alliance flights in North America. If you're buying economy or business class Air Canada tickets several times a year, the combination of lounge access, 2x points on those direct purchases, and priority boarding makes the annual fee easier to absorb.

Key benefits

Unlimited Maple Leaf Lounge and Air Canada Café access in North America stands as the core differentiator. Primary and additional cardholders can each access lounges independently on days they're flying — this isn't a shared annual visit count. Through December 2026, one guest can be brought in at no charge per lounge visit. The card also provides six complimentary international lounge visits annually through the Visa Airport Companion program by Dragonpass, covering over 1,200 global lounges.

Earn 2x points on Air Canada purchases and 1.5x on gas, groceries, dining, travel, transit, and EV charging (subject to a $100,000 CAD combined annual cap across the accelerated categories, after which those purchases drop to 1.25x). Spend $10,000 CAD on Air Canada in a year and earn 20,000 Aeroplan points from those transactions alone. The 1.25x base rate means even spending outside the bonus categories accumulates faster than with most competing cards. A NEXUS rebate, free first checked bags, priority boarding on Air Canada, and a substantial welcome bonus round out the package.

Potential drawbacks

The $599 CAD annual fee and income requirement make this inaccessible to most Canadians. If you don't fly Air Canada regularly, the Maple Leaf Lounge access — the primary justification for the premium fee — provides no value. The card doesn't offer transferability to hotel programs or non-Aeroplan airline currencies, so it's purpose-built for the Air Canada ecosystem. Anyone who only occasionally flies Air Canada and wants lounge access is probably better served by a card with a guest-pass lounge benefit at a lower fee.

How it compares

The American Express Aeroplan Reserve earns 3x Aeroplan points on dining and travel — a higher rate in those categories — and also includes Maple Leaf Lounge access at $599 CAD. The choice between the two often comes down to Visa vs. Amex acceptance and whether the 3x Amex dining earn rate or the TD card's 1.25x base rate on all spending is a better fit for your actual spending pattern. For a holistic view of premium Aeroplan options, both deserve side-by-side comparison.

Bottom line

If you fly Air Canada multiple times a year and meet the income requirement, the Maple Leaf Lounge access and elevated earn rates justify the $599 CAD fee. For occasional Air Canada travellers, the math rarely works out in this card's favour.