How much cash back will I earn on TD Credit Card?

On the average $600/month bill: $6.00 at 1% or $12.00 at 2% per month from Neobanc, up to $144 a year.

Neobanc CASHBACK

How to Get Cash Back on Your TD Credit Card bill

Pay your TD Credit Card bill through Neobanc by Interac e-Transfer and earn up to 2% cash back on every payment. Free to use, setup takes 2 minutes.

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Takes ~2 minutes · Works with any Visa or Mastercard · TD Credit Card qualifies

600

average monthly TD Credit Card

1-2%

Neobanc cash back, on top of card rewards

≈ $58/yr

back on this bill (cash back + 2% card rewards)

Quick answer:

Add TD Credit Card as a payee in Neobanc (TD VISA), enter your card number (16-digit TD credit card number), and fund the payment by Interac e-Transfer (free). You'll earn 1% to 2% Neobanc cash back on every payment, up to $144 a year on a typical $600/month bill.

What is TD Credit Card?

TD Credit Card bills average around $600/month for a typical household. All TD consumer cards are Visa, so every TD card uses the same 'TD VISA' payee; payments can take up to 2 business days to apply.

How to Get Cash Back on Your TD Credit Card Bill

Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
Add TD Credit Card as a payee: search "TD Credit Card" in Bills. Banks and Neobanc list it as TD VISA.
Enter your card number: 16-digit TD credit card number, see below for exactly where to find it.
Fund the payment by Interac e-Transfer: free, from any Canadian bank account in your name. One-time or recurring.
Earn cash back on every payment: 1% to 2% lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your TD Credit Card Number

Format: 16-digit TD credit card number. the front of your TD Visa card or the top of your monthly statement

Verified against www.td.com, July 2026.

Can I Pay TD Credit Card With a Credit Card?

No. You can't pay a credit card with another credit card through Neobanc. Credit card bills are funded by Interac e-Transfer from your bank account, which is free. What you gain is the cash back: paying TD Credit Card straight from your bank earns nothing, while the same payment routed through Neobanc earns 1% to 2% back. On a typical $600/month statement, that's up to $144 a year for the exact same bill.

The Math on Your TD Credit Card Bill

Average $600/month: Neobanc returns $6.00/month at the 1% rate, or $12.00/month on the 2% tier, up to $144 per year for changing how you pay, not what you pay. There is no fee: Interac e-Transfer funding is free.

How do I save the most on my TD Credit Card bill each month?

Pay in full, and pay it through Neobanc. Paying by bank transfer or Pre-Authorized Debit earns nothing; the same payment through Neobanc earns up to $144 a year. Interest (typically ~20.99% on purchases) keeps accruing on unpaid balances, and payments 30+ days late can be reported to the credit bureaus. Set a recurring Neobanc payment about a week before the due date: funds take 3 business days to process plus 1 to 3 business days for bill-pay delivery, and you earn on every cycle without running late.

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Frequently Asked Questions

Can I pay my TD Credit Card bill with a credit card?

No. Through Neobanc, credit card bills are funded by Interac e-Transfer from your bank account, which is free. You still earn 1% to 2% Neobanc cash back on every TD Credit Card payment.

Where do I find my TD Credit Card number?

16-digit TD credit card number. You'll find it on the front of your TD Visa card or the top of your monthly statement

Which payee do I choose for TD Credit Card?

Banks and Neobanc list it as TD VISA. Pick the one matching your service and enter your card number exactly as it appears.

How long does a TD Credit Card payment take through Neobanc?

Allow 3 business days for Neobanc to process your Interac e-Transfer, plus 1 to 3 business days for bill-pay delivery to the issuer. Schedule about a week before your statement due date.

Can I set up automatic payments for TD Credit Card?

Yes, set a recurring payment in Neobanc so every cycle earns cash back automatically (this replaces TD Credit Card's Pre-Authorized Debit).

Is there a fee to pay TD Credit Card through Neobanc?

No. Funding by Interac e-Transfer is free, so there is no fee to pay TD Credit Card through Neobanc, and you earn 1% to 2% cash back on top.

What happens if my TD Credit Card payment is late?

Interest (typically ~20.99% on purchases) keeps accruing on unpaid balances, and payments 30+ days late can be reported to the credit bureaus.

Is there a TD Credit Card promo code?

Promotions come and go, but the evergreen discount is structural: 1% to 2% cash back on every TD Credit Card payment through Neobanc, funded free by Interac e-Transfer.

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