TDCT Emerald Flex Rate Visa Welcome Guide EN

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TD Emerald Flex Rate Visa* Card

Welcome Guide

Enjoy great financial flexibility
at a low interest rate

Discover your TD Emerald Flex Rate Visa* Card

Getting Started

Benefits

Insurance

Convenience

Card Security

Contact and Support

Getting Started

Benefits

Welcome to your new TD Emerald Flex Rate Visa* Card

Enjoy the value and convenience of:

Quick steps to getting started and making the most of your Card
• Activate your TD Emerald Flex Rate Visa* Card simply by calling the
number on the sticker found on your new Card, then follow the simple
prompts. Don’t forget to sign your Card!

• a preferred low variable interest rate based on your credit history;
• security and protection for your Card when you shop and travel;
• adding up to three Authorized User Cards to your Account with no
Annual Fee.

• Register for EasyWeb® Online banking at easyweb.td.com to access
and manage your Account online and sign up for online statements or, if
you prefer to bank by phone, call EasyLine® telephone banking at
1-866-222-3456.

Add Authorized User Cards

• Learn how to add your Card to Apple Pay
at tdcanadatrust.com/applepay if you have an iPhone, or TD Mobile
Payment at tdcanadatrust.com/waystobank if you use Android, to make
convenient, everyday payments with just a tap of your phone.

w Learn more at tdcanadatrust.com/authorizeduser

• Update your Card as the Primary Card on your favorite retail apps,
like auto-reloads, food delivery and transportation to enjoy convenience
for your everyday purchases.
• Set up regularly recurring bill payments on your Account with
participating merchants to save time and avoid late fees with bills paid
automatically on their due dates.
• Download the TD app at td.com/app to view your Credit Card
Account almost anywhere. Plus, you can bank at home, or on the go.

Add up to three Authorized User Cards1 (no Annual Fee) to your Account (no
additional credit approval required) and they will share the same purchasing
convenience of the TD Emerald Flex Rate Visa* Card that you have.

Save time on regularly recurring bill payments
Set up regularly recurring bill payments on your Account with participating
merchants such as phone bills. You’ll save time and avoid late fees when your
bills are paid automatically on their due dates.

Save with Avis Rent a Car and Budget Rent a Car
Save a minimum of 10% off the lowest available base rates2, 3 in Canada and the
U.S., and a minimum of 5% off the lowest available base rates2, 3 internationally,
on qualifying car rentals at participating Avis and Budget locations.
Avis

You can reserve your Avis car rental by visiting avis.com/tdcreditcards
Quote Avis Worldwide Discount (AWD) #C078400
at time of reservation and charge the full rental to your
TD Emerald Flex Rate Visa* Card

Budget

You can reserve your Budget car rental by visiting
budget.com/tdcreditcards. Quote Budget Customer Discount
(BCD) #A331700 at time of reservation and charge the full rental
to your TD Emerald Flex Rate Visa* Card

Get the help you need with the
optional TD Auto Club Membership

Enhance your TD Emerald Flex Rate Visa* Card
with optional benefits

With Deluxe or Standard TD Auto Club Membership4, you and your family will
know that in the event of a road emergency, help is just a phone call away.

You can add optional benefits and services to your TD Emerald Flex Rate Visa*
Card that are suitable for you.

w Find out more at tdcanadatrust.com/autoclub

Optional TD Travel Insurance Coverages available to you
Travel Medical Insurance6 – When you’re travelling, the last thing you want to
worry about is your emergency medical coverage. As a TD Emerald Flex Rate Visa*
Cardholder, you can purchase optional TD Travel Medical Insurance.
You’ll enjoy:
• comprehensive emergency medical coverage up to $5 million, if eligible,
for when you are travelling outside of your province or territory, whether
internationally or within Canada;
• no out-of-pocket costs for eligible emergency medical expenses;
• 24/7 emergency medical assistance.
Trip Cancellation and Trip Interruption Insurance7 – With Trip Cancellation
and Trip Interruption Insurance, if due to a covered cause, such as an illness, injury
and more:
• you need to cancel your trip, we’ll help you recover your trip expense;

Insurance

• you need to return home early, we’ll cover the cost of your eligible return
transportation.

Explore the insurance coverages included with your
TD Emerald Flex Rate Visa* Card
Shop confidently with Purchase Security and Extended Warranty Protection5,
and learn about optional TD Travel Insurance coverages.
Purchase Security and Extended Warranty Protection – You automatically
have access to Purchase Security and Extended Warranty Protection, which
includes coverage for most eligible new items you’ve purchased on your Card:
• Repair, replacement or reimbursement should items be lost, stolen or
damaged within 90 days of purchase;
• Double your warranty, up to 12 additional months, if the eligible item
came with a manufacturer’s warranty valid in Canada.

w For information about Travel Medical Insurance, or Trip Cancellation
and Trip Interruption Insurance, and how to enroll,
visit tdcanadatrust.com/travelmedical or call 1-800-293-4941.
Be prepared with optional Balance Protection insurance8
Optional Balance Protection insurance products are designed to assist in managing
your credit obligations on your TD Emerald Flex Rate Visa* Card in the event of your
Involuntary Unemployment, Total Disability, Dismemberment, Critical Illness or Death.
w To learn more about optional Balance Protection insurance products or to
enroll, call 1-866-315-9069 or visit tdcanadatrust.com/BP

Convenience
Enjoy the convenience of your TD Emerald Flex Rate Visa* Card

Simplify the way you pay with TD Mobile Payment

Discover all the features that make using your Card more convenient every day,
from simplifying making purchases, to assistance if you lose your Card.

The next time you’re on the go, like on your morning run or walking the dog,
don’t worry about reaching for cash for your small purchases, simply use your
AndroidTM smartphone9. With TD Mobile Payment, just link an eligible
TD Credit Card to the TD app and you can pay safely and securely in a
few seconds.

Help and assistance
• Fast replacement Cards.
Report your lost or stolen Card immediately and the TD Credit Card
Contact Centre will do its best to get a replacement Card to you wherever
you are.
• Fast, reliable access to cash.
You can ask for an emergency Cash Advance of up to $500 in emergency
funds (subject to your available credit limit), at over one million ATMs
worldwide, at all TD Canada Trust branches and at select financial
institutions around the world.
• Getting information when you need it.
The TD Credit Card Contact Centre can help you with important
information, such as the location of the nearest Visa member office for
Cash Advances or contact numbers for embassies and consulates.

w Learn how to add your Card at tdcanadatrust.com/waystobank
Pay with Visa payWave*
Visa payWave Technology is the secure, convenient, contactless way to pay for
small-dollar purchases at participating retailers. It’s faster and more convenient
than cash – and your Card never leaves your hand.
Shop online simply with Visa Checkout
Visa Checkout10 makes it easy to pay online with your TD Credit Card. Sign up
for Visa Checkout, a service available from Visa that simplifies the online
checkout process. It’s available anywhere you see the Visa Checkout logo.
w Enroll now: Visit visacheckout.ca

Manage your Account, your way

Ways to Pay

TD Green Machine® ATMs

Save time with Apple Pay
Apple Pay is accepted in a growing number of shops, restaurants, and other
retailers. Many apps have also added Apple Pay to their accepted methods of
payment. Just look for the Apple Pay or contactless payment symbols at the
check-out.
w Learn how to add your Card at tdcanadatrust.com/applepay

Access and manage your Card Account at any of our ATMs.
w Find an ATM: Visit tdcanadatrust.com
EasyWeb® Online banking
Manage your Card Account easily online.
w Login to EasyWeb at easyweb.td.com

Easyline® telephone banking
Give us a call to access or manage your Card Account

Card Security

w.
Call 1-866-222-3456

Explore your TD Emerald Flex Rate Visa* Card
fraud security features

TD app

Protecting the security of your Card should always be a priority. That’s why your
TD Emerald Flex Rate Visa* Card comes with features that help protect you
when you shop online and in person.

Get secure access to TD’s mobile banking service anywhere you are.
w Download the app at td.com/app

Security Features

Balance Transfers
Consider consolidating any higher-rate non-TD credit card balances you may
have to your TD Emerald Flex Rate Visa* Card Account through a Balance
Transfer.11 By transferring your balances, you can more easily keep track of your
expenses with one monthly payment. Talk to us about the convenience and
potential interest savings of consolidating your balances to your
TD Emerald Flex Rate Visa* Account.
w For more information, visit us at your nearest TD Canada Trust branch or
call 1-800-983-8472.

• Shop online and in person securely with Visa Zero Liability and be
protected in the event that unauthorized transactions are made on
your Card. See your Cardholder Agreement for complete information on
unauthorized transactions and your responsibilities, including your
responsibility to protect your PIN.
• Shop with confidence with Chip & PIN technology. Chip & PIN
technology provides an added level of security through the use of a
Personal Identification Number (PIN).
• Verified by Visa* provides you with increased security and convenience
when you shop online.

Personal Identification Number (PIN) Security Tips
• Choose a PIN you can remember that’s difficult to guess. Don’t use a
phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when
you enter your PIN.
• Never let anyone else know or use your PIN or use your Card.
• Make transactions only when and where you feel secure. If in doubt,
don’t use your Card.
w Reset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7
at any TD Canada Trust Green Machine ATM.

Fraud Protection (24-hour)
Our protection measures help protect you from credit card fraud. In the event
that we detect unusual activity relating to your Account:
• you may receive a phone call from a TD Credit Card Customer Service
Representative asking you to confirm that you, or an Authorized User,
performed a transaction on your TD Emerald Flex Rate Visa* Card Account;
• during a transaction, a merchant may receive an electronic message
requesting that they contact the TD Credit Card Contact Centre and allow
you to speak with one of our Customer Service Representatives;
• your Card may be temporarily blocked until we can contact you for
verification.

Interest rates, fees and features are effective as of June 19, 2017, unless otherwise indicated
and are subject to change.
1 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. To
add Authorized User, your Account must be open and in good standing.
2 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions which may
change without notice. Blackout dates may apply. Base rate refers to time and kilometre/mile charges only.
Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services,
discounts or other offers made available by Avis Rent A Car System ULC.
3 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions which may
change without notice. Blackout dates may apply. Base rate refers to time and kilometre/mile charges only.
Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services,
discounts or other offers made available by Budget Rent A Car System, Inc.
4 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no
responsibility in respect of these services.
5 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for
in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and
exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
6 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical
Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and
claims assistance, claims payment and administrative services are provided by our Administrator. Benefits,
features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition
exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel
Medical Insurance can be purchased by calling 1-800-293-4941, or visiting tdcanadatrust.com. Note that this
optional insurance offers different benefits, on different terms and conditions, than the Travel Medical Insurance
that is automatically included with other TD Credit Cards.
7 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation
and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and
TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and
administrative services are provided by our Administrator. Benefits, features and coverages are subject to
conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the
Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941
or by visiting tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and
conditions, than the Trip Cancellation/Trip Interruption Insurance that is automatically included with other
TD Credit Cards.
8 Life, Accidental Death at 66 and Critical Illness coverages are underwritten by American Bankers Life Assurance
Company of Florida and Involuntary Unemployment, Total Disability, Disability Requiring Hospitalization and Loss
of Self-Employment Income coverages are underwritten by American Bankers Insurance Company of Florida.
Dismemberment coverage is underwritten by TD Life Insurance Company. The Toronto-Dominion Bank receives a fee
from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance
you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

Selected Android mobile devices are eligible for TD Mobile Payment. The mobile device must be enabled with Near
Field Communication (NFC) technology (contactless). You must also have occasional access to a cellular data
network or Wi-Fi connection.
10 The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its affiliates are not
responsible for the service including any offers made available to you through the service.
11 Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance
rate that applies to your Account from the date the Cash Advance is made. See your Cardholder Agreement for
complete information on Cash Advances including how we apply your payments and interest to Cash Advances.
9

More about your TD Emerald Flex Rate Visa* Card
Cardholder Agreement
For complete information about your Card, please refer to your
Cardholder Agreement.
w Download the PDF: Visit tdcanadatrust.com/agreements

Contact and Support
Important Numbers
For more information about your Card:
TD Credit Card Contact Centre (7 a.m. to 12 midnight ET, seven days a week):
Within Canada and U.S.:

1-800-983-8472

Outside of Canada and U.S.:

call collect 416-307-7722

TTY (text telephone):

1-866-704-3194

To report a lost or stolen Card and arrange a replacement Card
Loss Prevention Centre (24 hours):
Canada and U.S.:

1-888-347-3261

Outside Canada and U.S.:

call collect 416-308-3763

All trade-marks are the property of their respective owners.
* Trademark of Visa International Service Association and used under license.
®
The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
13

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TDCT Emerald Flex Rate Visa Welcome Guide EN