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 Features & Benefits The following features and benefits are available with the indicated TD Visa Cards. TD Visa Benefits Personal Banking Services The Power of Visa Benefits, features and coverages are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder. Monetary values are stated in Canadian dollars, except those for the U.S. Dollar Visa Card.
TD Visa Benefits Auto Rental Collision/Loss Damage Insurance
Use your eligible TD Visa Card to charge the full cost of a car rental and the Auto Rental Collision/Loss Damage Insurance program will cover you at no additional cost. This insurance coverage means you do not need to purchase the collision/loss damage insurance coverage offered by the car rental company. You'll be protected against loss arising from damage to the rental car on most rentals in North America and many foreign countries. Some restrictions apply.
Underwritten by Primmum Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver must be waived by the Primary Cardholder. Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Coverage Certificate provided with your TD Visa Card. Purchase Security and Extended Warranty Protection1
Enjoy worry-free shopping with Purchase Security and Extended Warranty Protection. If an eligible item that you purchased in full with your eligible TD Visa Card is stolen or damaged within 90 days of purchase, it may be replaced or repaired or you will be reimbursed for it. If the item comes with a manufacturer's warranty, you may be entitled to double the warranty period by up to 12 additional months. Emergency Travel Assistance Services1
Emergency Travel Assistance Services gives you the peace of mind that comes from knowing help is readily available in case of a personal emergency when you are travelling. By simply calling a toll-free number, you can be provided with -
Fees apply to each cash advance transaction Delayed and Lost Baggage Insurance1
If your checked baggage is lost or delayed by more than six hours from the time of arrival at your final destination, you, your spouse and dependent children can be reimbursed up to $1,000 each. This includes the cost to replace essential items purchased before the baggage is returned to you, and the replacement cost of personal property that is not covered by the airline or other insurance if your checked baggage is never returned. Simply charge the full cost of your tickets to your eligible TD Visa Card to receive this coverage.
If illness, injury or a death in your immediate family prevents you from completing part of a trip, you can claim up to $5,000 per person to a maximum of $25,000 for certain portions of your trip and return airfare. Simply charge the full cost of your tickets to your TD Gold Elite Visa Card to be eligible for coverage.
When you leave your province of residence, you'll automatically be covered for up to $1,000,000 of unexpected emergency medical expenses, including hospital bills, doctors and diagnostic tests (if the tests are approved in advance). You'll be covered for trips up to 8 days2 long if you're under 65, and 2 days2 if you're 65 or older. If you have a medical emergency, call the Emergency Assistance Center: 1-866-374-1129 from Canada or the U.S. or, from other countries, call collect at 416-977-4425. Expert medical advisors and coordinators can help you get to a doctor or hospital and handle eligible payments. It's important to call right away to ensure you get the maximum benefit; some expenses are only eligible if approved in advance. There are some limitations and exclusions to your coverage. For example, costs that relate to pre-existing conditions are not covered. Also, if you don't contact the Emergency Assistance Center immediately, benefits will be reduced to 80% of what would otherwise be payable, to a maximum of $30,000. Please read your certificate of insurance for full details of coverage, eligibility, limitations and exclusions, and take it with you on your trip. Trip Cancellation / Trip Interruption Insurance1
When you charge the full cost of your trip to your TD First Class Travel Visa Infinite Card,2 you'll automatically receive Trip Cancellation/Trip Interruption Insurance for the trip. If an illness, injury or other covered cause prevents you from starting your trip, you'll be covered for up to $1,000 of eligible cancellation expenses per eligible person, to a maximum of $5,000 for all eligible persons on the same trip. Eligible expenses include the cost of unused travel arrangements that were charged to your card or, with pre-approval, the cost of leaving later for your trip. Also, if a covered cause prevents you from completing your trip, you'll be covered for up to $5,000 of eligible trip interruption expenses per eligible person, to a maximum of $25,000 for all eligible persons on the same trip. If you need to cancel or interrupt your trip, call the Emergency Assistance Center right away to report your cancellation or to discuss alternate travel arrangements: 1-866-374-1129 from Canada or the U.S. or, from other countries, call collect at 416-977-4425. There are some limitations and exclusions. For example, costs that relate to pre-existing conditions are not covered. Also, only the expenses that are non-refundable when the covered cause happens will be covered. Please see your certificate of insurance for full details of benefits, eligibility, limitations and exclusions. Exclusive Hotel, Personal Concierge and Dining Privileges
As a valued TD First Class Travel Visa Infinite Cardholder, you will have access to:
For further details and conditions that apply to these exclusive privileges, visit www.tdtravelrewards.com, type in your TD First Class Travel Visa Infinite Card number and password and look for the "Exclusive Privileges through Visa" link.3 Common Carrier Travel Accident Insurance1 Up to $500,000
Up to $500,000 US
Up to $200,000
Up to $150,000
You, your spouse and dependent children are automatically insured while travelling on a common carrier or in a rental car whenever you charge the full cost of your ticket or car rental to your eligible TD Visa Card. 1 Underwritten by Chubb Insurance Company of Canada. Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Coverage Certificate provided with your TD Visa Card.
American Express Travellers Cheques are welcomed at establishments around the world. As a TD Visa Cardholder, you're entitled to purchase any amount you need through participating TD Canada Trust branches - without paying the standard commission fees. Budget Rent A Car Preferred Rates1 You'll receive a preferred rate on car rentals from participating Budget locations across Canada, the U.S. and other international locations when the rental is charged in full to your eligible TD Visa Card. 1Provided in Canada by Budget Rent A Car of Canada Limited. Some conditions and exclusions may apply. Priority Pass Membership Discount
Travel like a VIP with a Priority Pass Membership. All TD Canada Trust travel cardholders receive an annual discount on a Priority Pass membership1, your key to 600 VIP airport lounges worldwide. Relax and take refuge from the chaos of the terminal, enjoy peace and quiet and complimentary refreshments, no matter which airline or class you fly. If you need to stay in touch en route, most lounges offer phone, fax, email and Internet facilities. You can even use your TD points towards your membership. 1Provided by priority pass. Some conditions apply. All discounts on Priority Pass Memberships or other rates and offers received by Priority Pass Members through their TD Canada Trust travel cards may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer. Authorized User Cards are an easy way to provide your spouse, a family member or a close friend with many of the same benefits and purchasing power that you enjoy. Remember, with the TD First Class Travel Visa Infinite Card, TD Platinum Visa Card, TD Gold Elite Visa Card, TD(R)/AAdvantage(R) Platinum, TD Classic Travel Visa Card, TD Rebate Rewards and The GM Card, you'll earn rewards on the eligible net purchases made on the Authorized User Cards as well as your own Card. Primary Cardholder is responsible for all charges to the Account.
With your TD Visa Card, and a Personal Identification Number (PIN) obtained at any TD Canada Trust branch, you have access to instant cash advances, subject to your available credit limit, at over 804,000 automated banking machines (ABMs) worldwide and You can call toll-free whenever you want Account information or have questions regarding your TD Visa Card. With your TD Visa Card and Personal Identification Number (PIN), you can also access your TD Visa Account balance and activity, make payments and withdrawals, and access your TD Canada Trust bank accounts 24 hours a day, seven days a week. Simply use a Green Machine ABM, TD Canada Trust EasyWeb Internet banking or TD Canada Trust EasyLine telephone banking. (For TD U.S. Dollar Visa Card, only account balance available on EasyWeb Internet banking) Click here to take the EasyWeb Tour and/or register. Visit your TD Canada Trust branch to receive a PIN to access your TD Visa Account through Green Machine ABMs or other ABMs. TD U.S. Dollar Visa Cardholders may request a PIN by calling customer service. Fees apply to each cash advance transaction. Simply present your TD Visa Card at TD Canada Trust branches in Canada to access your TD Canada Trust accounts or receive cash advances up to your available credit limit. Visit your Fees apply to each cash advance transaction. With your TD Visa Card, TD Canada Trust branches will cash almost any cheque drawn on a Canadian financial institution that's payable to you -- up to your available credit limit,
You can use TD Visa Cheques just as you would a personal cheque. They can be used to charge goods and services directly to your TD Visa Account wherever credit cards aren't accepted. You can also use them to transfer non-TD Visa credit card balances to your TD Visa Account. Please note that TD Visa Cheques are treated as cash advances and accrue interest from the transaction date until full payment is received. Stop payments are not permitted. Subject to available credit. We reserve the right to refuse to honour any cheque. Pre-Authorized Payment Service
For added convenience, you can have your TD Visa Card payments automatically withdrawn from your bank account at any Canadian financial institution. Simply choose to have your minimum monthly payment or the full balance withdrawn from a personal chequing or savings account on the due date. TD U.S. Dollar Visa Cardholders can have their payments automatically withdrawn from any US Dollar chequing account in Canada or the United States. The Power of Visa TD Visa Cards are accepted in more than 300 countries around the world at more than 27 million retailers, restaurants and other merchants, including over 619,000 merchants across Canada. Emergency Assistance from the Visa Service Centre Visa Service Centre representatives are ready to help 24 hours a day, seven days a week, anywhere in the world. Emergency Card Replacement -- report your lost or stolen Card immediately and the Visa Service Centre will do its best to get a replacement Card to you wherever you are. Emergency Cash Advance -- you can ask for an emergency cash advance in an amount determined by the type of TD Visa Card (subject to your available credit limit). Up to $5,000 for TD Gold, TD Platinum and TD Visa Infinite Cards. Up to your credit limit for TD U.S. Dollar Visa Cards. And up to $500 for all other TD Visa Cards. Available by request for TD Purchase Manager Visa Cards. Message Service -- in the event of a personal emergency while travelling, messages can be forwarded to family members at home. Information -- the Visa Service Centre can provide you with the location of the nearest Visa member office where you can receive cash advances, as well as the locations of embassies and consulates. Fees apply to each cash advance transaction. When you charge hotel accommodations to your TD Visa Card, you can request a guaranteed reservation. This assures that the room you asked for -- or a comparable substitute -- will be held, even if you arrive late, until checkout time the following day. Please note that cancellation fees may apply. TD Visa chip Cards provide an added level of security through the use of a Personal Identification Number (PIN). The embedded computer chip stores information in a secure, encrypted format, making it more difficult for unauthorized users to copy or access the information on the Card. Cardholders will be required to enter their PIN when they make a transaction at a chip terminal (and no signature will be required), helping protect the Card from unauthorized use. Chip/PIN is part of a worldwide transition in most countries from magnetic stripe payment cards. TD Visa Consumer Cards will come equipped with Visa payWave*, a new “contactless” payment system that’s faster and more convenient than paying with cash. You can charge small dollar purchases directly to your TD Visa Card, simply by waving your Card in front of the Visa payWave terminal that you'll start to see at more and more merchants.
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