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Points Programs

Hotel programs, best credit cards, back to {post.category_name}, back to guides, the beginner’s guide to td rewards credit cards.

TD offers three personal credit cards in the TD Rewards lineup, allowing cardholders to earn points that can be used for travel and more.

Written by Erin Partridge

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On May 10, 2024

Read time 28 mins

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TD Rewards is the in-house points currency offered exclusively by TD Bank. The rewards program allows TD Rewards credit card holders to earn TD Rewards Points.

The rewards program is available through three of TD’s personal credit cards: the TD Rewards Visa* Card, the TD Platinum Travel Visa* Card, and the TD First Class Travel® Visa Infinite* Card.

In this guide, we’ll go over how to access this program with a personal TD credit card, and how to earn and redeem TD Rewards Points for excellent value.

What Is TD Rewards?

TD Rewards is TD Bank’s in-house points currency that’s accessible through three personal credit cards and one business TD Rewards credit card.

Credit cards in the TD Rewards program earn TD Rewards Points, which are a fixed-value points currency that’s exclusive to the bank.

The fact that the currency has fixed value means that the value of the points doesn’t fluctuate, and instead its value is based on the way in which you choose to redeem them (more on this below).

TD Rewards Points can be earned exclusively through credit card welcome bonuses that you can access as a first-time cardholder when you get a TD Rewards credit card, and through spending on the same eligible card.

As you earn a welcome bonus and additional points through day-to-day spending, your TD Rewards account balance will grow.

These accumulated points can be redeemed several ways, with the fixed value of a single TD Rewards Point ranging from 0.25 cents per point to 0.5 cents per point (all figures in CAD).

This means that if you had 100,000 TD Rewards Points in your account, you could redeem these for a value of between $250 and $500, depending on which type of redemption you choose.

The most valuable way to redeem TD Rewards Points is for travel, which we’ll explore in detail below.

TD Rewards Points are a great points currency to collect if you’re someone who wants to be able to redeem points for travel, and especially if you often book your trips through Expedia.

TD Rewards Points are also a great currency to collect in addition to other airline and hotel points, since they’re useful in offsetting other travel costs, such as cruises, independent hotels, and short-term rentals that aren’t covered by brand-specific programs (e.g., Aeroplan, Marriott Bonvoy, WestJet Rewards ).

Since TD Rewards Points are redeemable at a fixed value that’s tied to the cash value of the redemption, they’re not the best choice for aspirational travel like business class or First Class flights; however, they remain a valuable currency for other travel expenses.

TD Rewards Credit Cards

As we mentioned above, TD Rewards Points can only be earned through TD Rewards credit cards.

TD currently offers three personal credit cards for this program: the TD First Class Travel® Visa Infinite* Card, the TD Platinum Travel Visa* Card, and the TD Rewards Visa* Card.

To sort out which of the above three is best for you, let’s look at each of the personal credit cards’ features and eligibility requirements.

TD First Class Travel® Visa Infinite* Card

This is the TD Rewards program’s flagship card, offering the strongest earning rates and the best welcome bonus.

The card’s welcome bonus fluctuates depending on the bank’s current offer, often coming in around 100,000 TD Rewards Points and with an all-time high of 135,000 TD Rewards Points.

Given this, it’s ideal to time your application to coincide with an elevated welcome bonus, as this is a one-time opportunity for new cardholders.

The fees and eligibility requirements of this card are as follows:

  • Annual fee: $139
  • Supplementary cardholders: $50
  • Minimum income requirement: $60,000 (personal), $100,000 (household)
  • Estimated credit score needed: Good to Excellent

Since this is a premium credit card, you can enjoy elevated earning rates in specific categories, with earning rates as follows:

  • Earn 8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
  • Earn 6 TD Rewards Points† per dollar spent on eligible grocery and restaurant purchases†
  • Earn 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
  • Earn 2 TD Rewards Points† per dollar spent on all other eligible purchases†

As an example of the earning power of these rates, let’s imagine that you spend $500 on groceries and restaurants in a month.

Given the earning rate of 6 TD Rewards Points per dollar spent, $500 in spending within this category will earn you 3,000 points. These 3,000 TD Rewards Points can then be redeemed for between $7.50 and $15 in value, depending on the redemption path you choose.

This value is equivalent to a 1.5–3% return on your $500 in purchases ($7.50/$500 = 1.5%, $15/$500 = 3%).

Since TD Rewards Points can be redeemed for a maximum value of 0.5 cents per point, the return on spending you get is 4%, 3%, 2%, or 1%, depending on your purchase.

Plus, as an annual birthday perk, you can earn 10% of the TD Rewards Points earned in the previous 12 months back on your cardholder anniversary,† up to 10,000 TD Rewards Points per year.†

The TD First Class Travel® Visa Infinite* Card also comes with a range of perks and benefits.

For example, cardholders are eligible to earn a $100 TD Travel Credit† on accommodations and vacation packages of at least $500 booked through Expedia® for TD†, and can also enjoy car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally.†

Additionally, the card often offers a first-year annual fee rebate, and it comes with strong insurance coverage for travel and eligible purchases.

Overall, the TD First Class Travel® Visa Infinite* Card is best suited for individuals who meet the income requirements and who are looking to accumulate TD Rewards Points rapidly with the elevated earning rates.

More in-depth information about the TD First Class Travel® Visa Infinite* Card can be found in our dedicated guide for the card.

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  • Earn 20,000 TD Rewards Points upon making your first purchase †
  • Earn 115,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
  • Plus, earn up to 10,000 TD Rewards Points back on your birthday †
  • Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
  • Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
  • Use your rewards for any travel bookings available on Expedia ® for TD †
  • Minimum income: $60,000 personal or $100,000 household
  • Annual fee: $139, rebated for the first year †
  • Application must be approved by January 6, 2025 to receive this offer

TD Platinum Travel Visa* Card

The TD Platinum Travel Visa* Card is the mid-tier card in the TD Rewards lineup, and it offers good earning rates and an enticing welcome bonus.

  • Annual fee: $89
  • Supplementary cardholders: $35
  • Minimum income requirement: N/A

Similarly to the TD First Class Travel® Visa Infinite* Card , the TD Platinum Travel Visa* Card also earns elevated rates in specific categories, just at a slightly lower rate than its premium counterpart.

These earning rates are as follows:

  • 6 TD Rewards Points† per dollar spent on eligible Expedia® for TD†
  • 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining†
  • 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
  • 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†

To see these rates in action, let’s again imagine that you spent $500 on groceries and restaurants in a month.

With the 4.5 TD Rewards Points per dollar rate, $500 in spending within this category will earn you 2,250 points. These 2,250 TD Rewards Points can then be redeemed for between $5.60 and $11.25 in value, depending on the redemption path you choose.

This value is equivalent to a 1.12–2.25% return on your $500 in purchases ($5.60/$500 = 1.12%, $11.25/$500 = 2.25%).

In terms of perks and benefits, the TD Platinum Travel Visa* does not provide much, which is expected with a mid-tier card.

Cardholders can often enjoy a first-year annual fee rebate as well as car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally†. The card also provides some basic insurance coverage.

This card is best suited for individuals who would like to earn TD Rewards Points with elevated earning rates, but who don’t meet the eligibility requirements of the TD First Class Travel® Visa Infinite* Card.

More in-depth information about the TD Platinum Travel Visa* Card can be found in our dedicated guide for the card.

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  • Earn  15,000 TD Rewards Points upon first purchase †
  • Earn 35,000 TD Rewards Points upon spending $1,000 in the first 90 days †
  • Plus, earn 6x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
  • Earn  4.5x TD Rewards Points † on eligible grocery and restaurant purchases †
  • No minimum income requirement
  • Annual fee: $89, rebated in the first year †

TD Rewards Visa* Card

The TD Rewards Visa* Card is the program’s entry-level, no-fee card. It offers the lowest earning rates of the three TD Rewards credit cards, and it typically comes with the opportunity to earn a modest welcome bonus.

  • Annual fee: $0
  • Supplementary cardholders: $0
  • Estimated credit score needed: N/A

As can be expected with any no-fee credit card, the earning rates for the TD Rewards Visa* Card are lower than the other TD Rewards cards; however, there are still elevated rates in specific categories.

The TD Rewards Visa* comes with the following earning rates:

  • 4 TD Rewards Points† per dollar spent on eligible Expedia® for TD purchases†
  • 3 TD Rewards Points† per dollar spent on eligible groceries and dining purchases†
  • 2 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
  • 1 TD Rewards Point† per dollar spent on all other eligible purchases†

To help understand the value of these earning rates, let’s look at the same monthly spend of $500 on groceries and restaurants as above.

Since you earn 3 TD Rewards Points per dollar in the groceries and dining category, $500 of spending within this category will earn you 1,500 points. These 1,500 TD Rewards Points can then be redeemed for between $3.75 and $7.50 in value, depending on the redemption path you choose.

This value is equivalent to a 0.75–1.5% return on your $500 in purchases ($3.75/$500 = 0.75%, $7.50/$500 = 1.5%).

In terms of perks and benefits, the TD Rewards Visa* Card comes with very little.

Cardholders can enjoy car rental discounts at Avis and Budget to the tune of 10% in Canada and the US, and 5% internationally†, and they will have access to some minimal insurance coverage, such as extended warranty, purchase protection, and Mobile Device Insurance.

The TD Rewards Visa* Card is best suited for individuals who are looking for a no-fee way to earn TD Rewards Points.

More in-depth information about the TD Rewards Visa* Card can be found in our dedicated guide for the card.

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  • Earn 15,152 TD Rewards Points when you spend $500 within 90 days of Account opening+ †
  • Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †

Redeeming TD Rewards Points

TD Rewards Points can be redeemed for travel, gift cards and merchandise, higher education, statement credits, and on amazon.ca,

We’ll focus on the travel options in the sections below since these are the most valuable options, and given that you’re on our website, they’re likely the options that most intrigue you.

That said, if you’re interested in learning more about the other available options, check out our Essential Guide to TD Rewards, which goes over each alternative in detail.

Redeeming TD Rewards Points on Expedia for TD

The most valuable way to redeem TD Rewards Points is by using them through Expedia for TD.

When redeemed this way, each TD Rewards Point is worth 0.5 cents per point, meaning that 100,000 TD Rewards Points can be redeemed for $500 worth of travel.

Expedia for TD is essentially the same as the regular Expedia platform, except it’s linked with your TD Rewards Points account, and you log in with your TD credentials.

To access Expedia for TD, simply sign in to your TD Rewards account, click “Expedia for TD” under the “Redeem” tab, and then click through to the Expedia for TD portal.

You can use Expedia for TD the same way you would use regular Expedia, allowing you to book flights, hotels, car rentals, and other travel purchases.

Notably, through this redemption avenue, you can also redeem your TD Rewards Points for cruises, tours, and Disney tickets.

After signing in to Expedia for TD, you can search for your desired hotel, cruise, tour, or whatever else you might like to book.

As an example, let’s say you’d like to redeem your TD Rewards Points for tickets to Universal Orlando Resort.

Once you’ve selected your purchase on Expedia for TD, look for “Use your TD Points” on the check-out page. From there, select the number of points you’d like to redeem and then proceed with your purchase.

The minimum redemption amount is 200 points (equal to $1), and you’re able to make the purchase with a combination of cash and points, allowing you to decide how much of the purchase you’d like offset with your TD Rewards Points.

When redeeming your points through Expedia for TD, you still need to pay the full purchase amount up front. The value from your redeemed points will be credited to your TD Rewards credit card statement after the purchase is completed and within 3–5 business days.

When booking through Expedia for TD, it’s important to remember that you’re booking through a third-party vendor (Expedia) and not directly with the airline, hotel, car rentals, etc.

For hotel bookings, this means that you won’t earn any hotel status benefits or accrue elite qualifying nights. For car rentals, you won’t earn things like Hertz points or free rentals through National Free Days.

However, you will still be able to accrue elite-qualifying points/miles with airlines as long as you attach your associated membership number to your booking at the time of purchase or add it at the check-in counter.

Most importantly, when booking a flight through Expedia for TD, be aware that any and all changes and cancellations must be pursued through Expedia for TD, and can’t be done through the airline.

Redeeming TD Rewards Points with Book Any Way Travel

If you’d rather book travel directly with vendors (e.g., Hyatt, WestJet, VIA Rail) instead of using Expedia for TD, you can still get great value from your points.

When redeemed for purchases made outside of Expedia for TD, each of your TD Rewards Points is worth 0.4 cents. This means that 100,000 TD Rewards Points is worth $400 for travel booked using your TD Rewards credit card.

To redeem your TD Rewards Points through the Book Any Way option, all you need to do is charge the eligible flight, hotel, train ticket, etc. to your TD Rewards credit card.

Once the purchase has posted to your credit card account, you can redeem your TD Rewards Points to offset the cost by using the TD Rewards website or by calling 1-800-983-8472 within 90 days of the purchase date.

To redeem TD Rewards Points online, log in to your TD Rewards account and select “Book Any Way Travel” from the “Redeem” tab.

On the next screen, fill in the information about the transaction against which you’d like to redeem points.

You’ll need to have the purchase transaction date, its description, and the exact dollar amount before proceeding. This information can be found on your credit card account statement.

If you’d like to redeem points for multiple transactions at once, simply click on “add another transaction” and fill in the additional information.

Once you’ve submitted your request for redemption, you can expect to receive the value back as a statement credit within 3–5 business days.

While you won’t get the best value from your TD Rewards Points this way, this option does offer excellent flexibility as TD has one of the most generous definitions of an eligible “travel expense” in the industry.

Using Book Any Way, you can redeem your TD Rewards Points for the vast majority of travel expenses, including campsites, jet-ski rentals, and even theatre tickets as long as they were purchased while travelling.

Keep in mind though that in the cases involving more unique travel expenses, you may need to speak with a customer service representative in order to redeem your points.

If you’d like more details about how you can redeem your TD Rewards Points through other redemption methods, we’ve included more options and additional details in our Essential Guide for TD Rewards.

Alternatively, you can always check out the TD Rewards website to explore the program further.

TD Bank offers three personal TD Rewards credit cards that allow you to earn TD Rewards Points.

These points are a valuable currency that can be redeemed for almost all your travel expenses at a fixed value, making them one of the most flexible fixed-value currencies on offer in Canada.

If you’re looking for a credit card that earns points redeemable for travel expenses and you prioritize flexibility, the TD Rewards travel cards are great options to consider. 

Can I have a TD Rewards credit card if I don’t bank with TD?

Yes, you can. To pay your TD Rewards credit card bill without a TD bank account, simply search for TD as a payee within your online banking’s bill payment feature, and then add your TD credit card number as the account number.

Can I book travel for other people with my TD Rewards Points?

Yes, you can make a booking for someone else using your TD Rewards Points. To do so, go through the search and booking process as usual, using your friend/family member’s name and information in lieu of your own.

Do I have to redeem my TD Rewards Points for travel?

No. TD Rewards Points can also be redeemed for merchandise, gift cards, statement credits, higher education, and on amazon.ca.

Can I exchange my TD Rewards Points for cash?

TD Rewards Points can be redeemed for a cash credit towards your TD credit card statement at a rate of 400 points = $1 (CAD).

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  • Published: 27 September 2024

Risk factors of diphtheria outbreak in damt district of Al Dhalea Governorate, 2023 -Yemen: a case–control study

  • Sameer Shedaiwah 1 ,
  • Hamood Alsharabi 2 ,
  • Labiba Anam 3 &
  • Mohammed Abdullah Al Amad   ORCID: orcid.org/0000-0002-1566-4964 4  

BMC Infectious Diseases volume  24 , Article number:  1034 ( 2024 ) Cite this article

Metrics details

In Yemen, diphtheria has become an important health problem since 2017 when diphtheria re-emergence as a consequence of war and the collapse of the health system. In 2023, there has been a 57% increase in diphtheria cases compared to 2021 and 2022. Damt district of Al Dhalea Governorate had the highest reported cases for year 2023. The study aims to determine the risk factors associated with diphtheria outbreak in Damt District.

A retrospective matched case–control (1:2) was used. All confirmed cases based on the WHO case definition reported from Damt district during 2023 were considered cases. Two age-matched (± 5years) neighborhood controls were recruited per case. A pretested questionnaire was used for collecting data during household interviews including demographic and household characteristics, knowledge of diphtheria, vaccination status, contact with a case of diphtheria, and travel history. Frequency and proportion for quantitative and median with interquartile range (IQR) for quantitative variables. Chi-square and Mann–Whitney tests to compare the distribution of categorical and numerical variables between cases and controls. Univariate and multivariate conditional binary logistic regression, and Adjusted Odds ratio (AOR) with a 95% confidence interval at P  < 0.05 were used to identify risk factors.

A total of 118 cases and 236 controls were enrolled, 56% were females (63% of cases vs. 53% of controls). The median (IQR) age was 14 (9,22) years for cases vs 12(7,23) of control, it was significantly higher for females than males in the case group: (16(10,29) Vs 10(6,18), P  < 0.001) and control group: (15(8,25) vs 12(7,18), p -value = 0.022). Partial vaccination status AOR = 13.7(6.1–31.1), P -value < 0.001), contacts with a case of diphtheria AOR = 8.5(2.3–31.0), P value < 0.001) and Female gender, AOR = 3.3(CI; 1.1–9.5, P value = 0.029), were the main risk factors.

Conclusions

Poor vaccination and contact with a case of diphtheria were the main contributors to diphtheria in the Damt district particularly among adult females. Increasing the vaccination coverage with a diphtheria-containing vaccine through routine immunization as well as tetanus-diphtheria vaccine for childbearing age females along with community awareness regarding protection measures during home care of diphtheria cases. Vaccination services as well as gender barriers related to Td vaccination should be investigated.

Peer Review reports

Diphtheria is an acute disease caused by toxin-producing strains of Corynebacterium diphtheriae mainly affects the upper respiratory tract (tonsils, pharynx, larynx, nose) [ 1 ]. Diphtheria is a vaccine-preventable disease but multiple doses and booster doses are necessary to establish and maintain immunity [ 1 , 2 ].

Thus, young children and those who are not immunized or under-immunized are at risk of the disease which spreads from person to person directly through respiratory droplets, within 2–3 days of infection, a thick, grey coating pseudo-membrane covers the affected area of the respiratory system and could lead to airway obstruction [ 2 ]. The released toxin also can reach other organs and can cause myocarditis, paralytic symptoms, and nephritis death could occur if proper treatment is delayed and severe cases have a mortality rate of 5–10% [ 1 , 2 , 3 ].

Despite the availability of a safe and effective vaccine, recent outbreaks have occurred due to under-vaccination, particularly in developing countries [ 1 ].

In Yemen, diphtheria has become an important health problem since 2017 when the diphtheria epidemic occurred as a consequence of war, the health system collapsed, and low vaccination coverage [ 4 , 5 ]. Between July 2017 and August 2018, 2243 cases were reported with an incidence rate of 8 cases per 100,000 population [ 6 ]. As a response, many efforts focused on: the clinical management of cases, referral pathways, and isolation units have been made along with three vaccination campaigns conducted in 2018 and 2019 and targeting children between the ages of 6 weeks and 15 years [ 7 ].

The widespread political instability, displacement of populations, and damaged infrastructure along with nearly half of the non-functional health facilities are the main challenges of vaccine delivery in Yemen that increased the risk of a diphtheria outbreak [ 8 ]. Furthermore, the insecurity and the destruction of transportation networks disrupted supply chains, particularly in remote areas, extremely challenging [ 9 ].

Recently, diphtheria cases have risen gradually since 2021, with a significant increase noted from June to September 2023 which indicates a 57% increase in diphtheria cases compared to 2021 and 2022. From January up to September 2023, a total of 1671 suspected diphtheria cases with 109 associated deaths have been reported from the whole country compared to 1283 cases reported in the whole of 2022 [ 10 ]. Furthermore, this increase marks a change from the usual winter seasonal pattern [ 11 , 12 ].

Many studies have been conducted to describe the impact of war and ongoing conflicts such as health system collapse and low vaccination coverage as the root causes of a diphtheria outbreak in Yemen [ 4 , 5 ]. The epidemiology, clinical, and microbiological features also have been described and investigated by many studies [ 6 , 12 , 13 ].

As for the risk factors of diphtheria transmission at the level of the individual, a study conducted in Sana’a city in 2019 indicated Sharing a bedroom with at least two people, contact with a diphtheria case, and Non-vaccination as the main risk factors for diphtheria in Sana’a city [ 14 ].

There is still a gap in the information related to the risk factors of diphtheria transmission in rural areas such as Damt district which is the district of Al Dhalea Governorate that reported 204 diphtheria cases and 14 associated deaths. So, it is considered the first district to report diphtheria cases and related deaths for 2023. The study aims to determine the risk factors associated with diphtheria infection in Damt District.

Study design

A matched case–control study with a ratio of (1:2) cases to controls matched by age ± 5 years and residency was performed in Damt District, Al Dhalea Governorate.

The study was conducted in Damt District of Al Dhalea Governorate, which has a total of nine districts. Three districts are under the authority of the northern government (Damt, Jaban, and Al-Hasha) and five districts are under the authority of the southern government (Al-Shuaib, Al-Husayn, Al-Dhalea, Jahaf and Al-Azaraq). The last one (Qa’taba district) is divided between the two authorities. Damt district is located and far away from the south of the capital Sana'a by 198 km 2 , has an area of 371 km 2 with (10) sub-districts shown in Fig.  1 . The population density is 284 people/km 2 and the majority of the population works in agriculture. There are 4 Medical Health Centres and 12 health units, where immunization services are provided. According to the electronic Integrated Diseases Early Warning System (eIDEWS), Damt district is the first district in Al Dhalea Governorate and Yemen that reported diphtheria cases and assoiled deaths for the year 2023.

figure 1

Map of Al Dhalea Governorate and Damt District

Definition of cases and controls

The WHO case definition for diphtheria was used as any persons at any age who have lived in one of the Damt subdistricts, Al Dhalea Governorate, stuffed from inflammation of the tonsils, pharynx, or larynx, with a membrane attached and difficult to remove from the tonsils, pharynx, or nose and reported by eIDEWS during the year 2023.

Controls were defined as; any person who matched the case by age (± 5years) lived in the same neighborhood since January 2023 and did not suffer from any of the diphtheria symptoms.

Study sample and sampling procedure

All confirmed or probable cases of diphtheria reported by eIDEWS from January to December 2023 were considered cases. Two age-matched (± 5years) neighborhood controls were recruited per case, particularly from houses located on the right side of the case house, with one control per house. If no matched control in a house or the matched control refused to participate in the study, another control was recruited from the next house.

Inclusion and exclusion criteria

All confirmed or probable cases of diphtheria reported by eIDEWS from January to December 2023 were included. Cases were excluded if they lived outside of Damt district during the year 2023, refused to participate, died, were psychiatric patients, or moved from the district at the time of study conducting. Controls were excluded if they lived outside of Damt district during the year 2023, or refused to participate in the study or psychiatric patients at the time of study conducting.

Data collection tools and procedures

A pretested structured questionnaire was adopted from literature in English [ 14 , 15 ]. It was translated into Arabic and tested through a pilot study among 14 participants who were not included in this study.

The questionnaire covered sociodemographic characteristics of cases and controls (age; sex; sub-district; education and occupation) travel history, vaccination status with diphtheria toxoid-containing vaccines diphtheria-pertussis and tetanus vaccine, and contact with diphtheria cases. The variables related to the head of household characteristics; (education, occupation), household type, number of rooms, family size, family income, availability, and number of handwashing and toilet facilities were collected, in addition to (Yes/No) answers to 5 questions related to diphtheria general information.

Data collected during household interviews and the line list of reported cases was used to identify the address of cases to be visited at their homes by well-trained interviewers, and face-to-face interviews either with participants ≥ 18 years or with the head of the household /parents of participants < 18 years who agree to participate in the study.

As for data quality, the questionnaires were reviewed each day and checked for any incomplete or missing data, and ten percent of questionnaires were selected randomly for validation which was performed through phone calls or home visits by supervisors.

Variables and operational definitions

The vaccination status was defined as follows: participants were considered fully vaccinated if they had received three or more doses of diphtheria toxoid-containing vaccines or partially vaccinated if they had received less than three doses of diphtheria toxoid-containing vaccines confirmed by vaccination card or verbally for older people who only vaccinated in the national campaigns.

For analysis purposes, the householders were categorized as the following. As for cases and controls, the education was further categorized as uneducated; illiterate individuals who could not read and write or were at pre-school age and educated; or individuals with a basic and secondary school or university education. The occupation was categorized as pre-school age for children at that age, students for people at schools, employed for those who had a job in private or public sector, and unemployed for individuals without a job. As for householders, illiterate individuals who could not read and write or with basic school education (attained 9 or fewer years of school education), were classified as having low-level education, whereas individuals with a secondary school or university or above were classified as high-level of education. Individuals who had a job and were working were classified as employed while those who had not a job and were not working as unemployed. The World Bank classification for low-income countries for the year (2022–2023), was used to classify monthly income of householder by Yemeni Rial (YR) equivalent to USD: low income (≤ 61,000 YR), moderate (> 61,000 YR and ≤ 273,500 YR), and high income (> 273,500 YR), For knowledge, the scoring system for answers to five questions: 1 for correct answer and 0 for wrong answers) the scores were summed and categorized according to the median as good ≥ median or poor < median scores.

Data analysis

Epi Info Version 7.2 was used for data analysis. Frequency and percentage were used to summarize qualitative variables, mean standard deviation for quantitative variables with normally distributed data, and otherwise median and interquartile range (IQR). Chi-square, and T/ANOVA otherwise the Mann–Whitney tests were used respectively to compare the distribution of categorical and numerical variables of cases and controls. Conditional logistic regression was used to allow for age and residency matching. Univariate analysis was used to calculate the cured odds ratio (COR), and all variables with P  < 0.25 were included in multivariate analysis and the likelihood ratio test (LRT) was checked to ensure fitness. Adjusted Odds ratio (AOR) with a 95% confidence interval (CI) was used to report the strength of the association between the variables and diphtheria infection. P  < 0.05 was considered to indicate statistical significance.

A total of 118 cases and 236 controls were enrolled in the study with a median (IQR) age of 13(8,23) years;14 (9,22) years of cases compared to 12(7,25) of controls. In both groups, 47% of participants were from the Damt subdistrict. More than half (56%) were females (63% of cases vs. 53% of controls), and 59% had basic schools (64% of cases vs 57% of controls). Almost half (51%) of the participants were students (52% of cases vs. 51% of control) (Table  1 ).

For vaccination status against diphtheria; 60% (211/354) of all participants including 25% (30/118) of cases and 77% (181/236) of controls were fully vaccinated. The rest 40% (143/354) were partially vaccinated including 75% (88/118) of cases and 23% (55/236) of controls. Of all participants, 15% (52/354) had contacts with diphtheria cases accounting for 33%(39/118) and 6%(13/236) of cases and controls, respectively. only 6% (7/118) of cases compared to 1% (3/236) of controls had a travel history to areas affected by diphtheria (Table  2 ).

Only, 16% (19/118) of household heads of cases compared to 14% (33/236)of household heads of controls had a university education, the majority, 87% (103/118) compared to 93%(219/236) of household heads of cases and controls were unemployed. Low monthly income of 58% in both groups, 81% of cases compared to 73% of controls lived at houses, and both groups had a median (IQR) of 3(2,4) rooms, 5% of both groups had no toilet facility, and 49% of cases compared to 54% of controls had not handwashing facility at their dwellings. The health facilities are not far away and could be reached by both groups in a median (IQR) of 17(12,33) minutes (Table  3 ).

The univariate analysis by conditional binary logistic regression shows a significant association between diphtheria infection and various factors related to sociodemographic characteristics, household characteristics, vaccination status, and risks of contracting infection. As for sociodemographic factors, the COR of Gender females compared to males showed a higher likelihood of diphtheria infection COR = 1.9 (95% CI; 1.1–3.3, P -Value = 0.032) and individuals who were not engaged in work compared to pre-school age had a significantly higher risk COR = 11.7(95% CI;1.3–104.6, P value = 0.028). Individuals who lived in houses compared to those who lived in apartments had higher odds of infection COR = 3.6 (95% CI: 1.4–9.3, P -Value = 0.009). As for the potential risks of contracting diphtheria, partially vaccinated individuals compared to fully vaccinated individuals were at a significantly higher risk COR = 13.4 (95% CI; 6.7–27.9, P -Value < 0.001), having contact with a person who has diphtheria or traveling to an area affected by diphtheria increases the odds of infection COR = 13.5 (95% CI; 5.3–34.4, P -Value < 0.001), COR = 4.7 (95% CI; 1.2–18.0, P -Value = 0.026), respectively. The result of univariate analysis for all variables is presented in Supplement 1. All variables with a P value < 0.25 in the univariate analysis were included for multivariate analysis by conditional logistic regression, and after adjusting for other variables, only three variables including; gender, vaccination status, and contacts with diphtheria cases, remained associated with diphtheria infection. Female gender compared to males had three times the odds of contracting diphtheria AOR = 3.3( 95%CI; 1.1–9.5, P value = 0.029), individuals with partial vaccination status had 13.7 times the odds of diphtheria infection of those fully vaccinated AOR = 13.7( 95%CI: 6.1–31.1, P -value < 0.001), people who contacted with a case of diphtheria have eight times the odds of infection of those who not contacted a case of diphtheria AOR = 8.5(95%CI; 2.3–31.0, P value < 0.001) (Table  4 ).

Diphtheria is still an important health problem, particularly in conflict countries such as Yemen where diphtheria cases have risen gradually since 2021 to reach a significant increase in 2023 [ 10 ]. Damt District of Al Dhalea Governorate is one of the affected areas, where this matched case–control study has been conducted to identify the related risk factors for such an increase.

The result of univariate analysis in this study indicated an association between diphtheria infection and female gender. Even after adjusting with other variables, the AOR suggests a potentially increased risk of diphtheria among females compared to males. While there is no specific trend in the occurrence of respiratory diphtheria by gender [ 16 ]. A slightly higher proportion of males was reported in a study conducted in the Sadah governorate of Yemen, and another study conducted in Nigeria [ 13 , 17 ]. The explanation of this result could be attributed to many factors including; the incomplete vaccination status of females [ 18 ], women might be more exposed to household contacts since they are the caregivers for patients at home. As well as even vaccinated women, are more susceptible to diphtheria infection after 10 years of vaccination [ 19 ].

The unexpected result of our study is that more than half of the female cases (based on median age) of childbearing age are supposed to be prevented as they have received the tetanus-diphtheria (Td) vaccine. Thus, the result highlighted the absence of Td administration for females of childbearing age. It might be due to the gender barrier that could be attributed to the traditional conservative customs in Yemen. The cultural and social norms often restrict women’s access to healthcare, particularly in rural and conflict-affected areas. Women may face obstacles like needing male permission to seek medical care, limited mobility due to safety concerns, and a shortage of female healthcare workers, which can be particularly significant in conservative communities where women prefer or are only allowed to be treated by female providers [ 20 ]. These barriers may lead to lower vaccination coverage among women, especially those of childbearing age, who are more likely to be isolated during pregnancy or after childbirth [ 21 ]. Additionally, the healthcare infrastructure's collapse due to ongoing conflict further exacerbates these issues, as disrupted supply chains and damaged facilities make it difficult to maintain routine immunization programs [ 8 ].

The findings of this study showed no significant association between diphtheria infection and the education level and occupation of participant or household factors: education of household head, knowledge about diphtheria, dwelling type, family size, or number of rooms. This result was similar to the findings of a previous study conducted in Yemen and a study conducted in India [ 14 , 22 ]. However, our result was contrary to the result of a study reviewing factors affecting diphtheria which revealed educational level, physical conditions of the home, and level of knowledge [ 23 ]. The discrepancy in the results might be due to the difference in study design and study populations.

The results of this study indicated that full vaccination against diphtheria could reduce the likelihood of diphtheria infection by 13.7 times as compared to partial vaccination. These findings were in line with the findings reported by a previous study in Yemen [ 14 ], and many studies conducted elsewhere [ 23 , 24 , 25 ].

As for the source of infection; contact with a case of diphtheria was found to be associated with contracting diphtheria infection which increased the likelihood of infection by 8 times as compared to the absence of contacts. This finding was in line with the findings reported by a previous study in Yemen [ 14 ], and the result of the systematic review until January 2023 [ 21 ]. Similar to the result of previous studies, travel history was not found associated with diphtheria infection [ 14 , 24 ].

There were some limitations in this study, it was conducted in a small district and the majority of participants were females and the results may not be generalizable for all Yemeni governorates. Furthermore, however, this study was a matched case control, the match was for age and residency since it was difficult to find the matched gender for some cases that were from very remote areas or located in the front area of the war, and the immunization status might be affected by recall bias, particularly for older people who were lived at those areas. Nevertheless, this study provides information health programmers and policymakers could use to formulate vaccination policies as well as for further related research.

In conclusion, poor vaccination and contact with a case of diphtheria were the main identified factors that contributed to the occurrence of diphtheria outbreak in the Damt district particularly among females who are mostly the caregivers for patients at home and are at higher risk of household contact. Increasing the vaccination coverage against diphtheria either by DPT in general or Td for females of childbearing age. Moreover, increasing community awareness regarding home care protection measures and isolation of diphtheria cases could reduce the spread of the disease. Underline factors such as cold chain, vaccine delivery and other factors related to the vaccination services as well as gender barriers related to Td vaccination should be investigated.

The unexpected finding that females, particularly of childbearing age, are at higher risk of diphtheria despite being expected to have received the Td vaccination underscores significant gender-related disparities in healthcare access. These disparities, driven by cultural norms, limited mobility, and ongoing conflict in Yemen, highlight the critical need for targeted public health interventions that address the unique challenges women face in accessing healthcare.

For public health practice, this finding emphasizes the importance of integrating gender-sensitive approaches into vaccination programs. Ensuring that women have equal access to vaccinations, addressing vaccine hesitancy, and providing education tailored to their needs are essential steps to prevent future outbreaks and improve overall health outcomes. Public health strategies must also consider the broader social determinants of health, such as literacy and mobility, to effectively reduce the disease burden among vulnerable populations, particularly women in conflict zones.

Availability of data and materials

All relevant data are presented in this paper, and more information can be provided upon reasonable request from the corresponding author.

Abbreviations

Adjusted Odds Ratio

Crude Odds Ratio

Confidence Interval

Diphtheria-Tetanus-Pertussis Vaccine

Electronic Integrated Diseases Early Warning System

Interquartile Range

Likelihood Ratio Test

Tetanus-Diphtheria Vaccine

World Health Organization

Yemeni Rial

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Acknowledgements

We would like to thank the data collectors and study participants

The authors declare that the research was conducted in the absence of any commercial or financial relationships that could be construed as a potential conflict of interest.

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Sameer Shedaiwah

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Hamood Alsharabi

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Labiba Anam

Department of Community Medicine, Faculty of Medicine and Health Sciences, Sana’a University, Sana’a City, Yemen

Mohammed Abdullah Al Amad

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Contributions

SS contributed to the conception, design of the study, and methodology, supervised the data collection, analyzed the data, wrote the study report, and participated in manuscript writing. HA contributed to the conception and participated in data analysis and review of the study report.  LA made significant conception in reviewing the overall study, finalizing the study report, and reviewing the manuscript. MA revised the analysis of data, wrote the draft manuscript, and finalized the manuscript. All authors read and approved the final manuscript.

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Correspondence to Sameer Shedaiwah or Mohammed Abdullah Al Amad .

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This study followed the Declaration of Helsinki guidelines and was approved by the research ethical committee of the Ministry of Public Health and Population, Sana’a, Yemen (Letter no152 date 8/8/2023. An official approval from health authorities in the governorate was obtained. Informed consent was obtained from all subjects and/or their legal guardian(s). The authors confirm that all methods were performed based on the relevant guidelines and regulations in the county. The study did not involve experiments on human subjects or human participants. No human studies are presented in this manuscript.

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Shedaiwah, S., Alsharabi, H., Anam, L. et al. Risk factors of diphtheria outbreak in damt district of Al Dhalea Governorate, 2023 -Yemen: a case–control study. BMC Infect Dis 24 , 1034 (2024). https://doi.org/10.1186/s12879-024-09932-7

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DOI : https://doi.org/10.1186/s12879-024-09932-7

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  5. Student Banking

    td travel phone number

  6. Find the Best TD Travel Credit Card to help meet your needs

    td travel phone number

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  1. TD Bank Contact Us

    Our 24/7 cross-border banking support line can answer your questions. 1-877-700-2913.

  2. PDF TD First Class Travel® Visa Infinite* Card Welcome Guide

    The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite* Card. Each year, you will receive a TD Rewards Birthday Bonus ("Birthday Bonus") on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding ...

  3. Travel with ExpediaForTD.com: Vacation Homes, Hotels, Car Rentals

    Travel with ExpediaForTD.com: Vacation Homes, Hotels, Car Rentals ...

  4. Contact Us

    For quotes, to purchase a policy or any general inquiries. 1-833-962-1143. TTY 1-800-855-0511. Monday - Friday 8am-9pm ET. Saturday 9am-5pm.

  5. International Travel Tips: Prepare for Traveling Overseas

    For all your foreign exchange needs and more international travel tips, visit your local TD Bank or call Customer Service 24/7 at 888-751-9000. Find out how to make banking easier when traveling overseas. With a range of international travel tips on overseas banking, we can help simplify your travels.

  6. How my Program Works

    How my Program Works - ExpediaForTD.com

  7. TD CanadaTrust

    Call Us. We can quickly provide you with the help you need. We're only a phone call away. Banking. 1-866-222-3456. (EasyLine 24/7) TD Direct Investing. 1-800-465-5463. View our Telephone Directory.

  8. TD Rewards

    Contact your System Administrator for help. Redeem the TD Points you've earned on Purchases made with your TD Travel Credit Card.

  9. Easy Rewards Center

    Apply for the TD Easy Rewards Platinum Visa Credit Card. Apply online, call 888-561-8861 or find a store to apply in person. TD Banknorth Rewards Center. Earn and redeem. Quick and easy. When you use your TD Banknorth Easy Rewards credit card, you'll be amazed how quickly your points add up.

  10. TD First Class Travel Visa Infinite* Card

    Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1. Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1. Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards Points 22.

  11. Travel Rewards Card

    Discover the TD First Class Visa Signature ® Credit Card with chip, get 3% back on all travel purchases, no foreign transaction fees, 24/7 support and more. Skip to main content. About Us; ... Please contact us immediately at 1-888-561-8861 and we will cancel your card and send you a new one within 7-10 days. If you have automatic bill ...

  12. Travel Insurance

    The main TD Insurance plans designed to suit the different designation of travel are: Single trip 1 − You'll have access to worldwide emergency assistance 24/7. There's also an option for family or couple plans, and you'll have coverage for up to 212 days of travel 2. Annual 3 −This is for the more frequent jetsetters among us.

  13. Summer's here and so are travel plans

    TD Insurance Multi-Trip Medical Plan. If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3. Get Started.

  14. TD Rewards

    Expedia For TD is available exclusively to TD Rewards Credit Cardholders. Redeem your points to pay for all or part of your trip 1.; Earn points faster - Get up to 8 TD Rewards Points2 for every $1 in Travel Purchases you make by phone through Expedia For TD3 or online through ExpediaForTD.com.; Get an annual TD Travel Credit of $1006 when you book at Expedia For TD.

  15. PDF TD Platinum Travel Visa The Choice is yours. Welcome Guide

    Welcome Bonus†† (applies only in the first year) 15,000. Groceries and Regularly Recurring Bill Payments (yearly spend cap of $500 18,000 $15,000 for each) Other Purchases $1,000 24,000. Total TD Rewards Points in Your First Year. 57,000. e†††† of $285 in travel through Exped.

  16. Travel Insurance Claims

    Call our administrator 24/7 at 1-833-962-1140 toll free from Canada or the U.S. or from other countries by calling collect at + 1 519-988-7692. Once you call, a claim form will be sent to you via email or mail. When paper claim forms are required for your situation, you may complete and submit the claim form with all required documentation via ...

  17. The Beginner's Guide to TD

    The TD First Class Travel Visa Infinite* Card is the premium card offering in the TD Rewards credit card family. ... birthdate, address, phone number, and email address. Different credit cards will have different requirements, and for some credit cards you will be required to provide additional financial information such as your employment ...

  18. The Essential Guide to TD Rewards

    Booking non-Expedia travel using TD points is called "Book Any Way Travel" and can be booked by using the TD Rewards website or by calling 1-800-983-8472. Calling has a few distinct advantages, such as the ability to redeem your points for non-conventional travel items, such as gas, attractions, various hotel expenses, RV rentals, and even ...

  19. The Beginner's Guide to TD Rewards Credit Cards

    These 2,250 TD Rewards Points can then be redeemed for between $5.60 and $11.25 in value, depending on the redemption path you choose. This value is equivalent to a 1.12-2.25% return on your $500 in purchases ($5.60/$500 = 1.12%, $11.25/$500 = 2.25%).

  20. Contact Us

    Raise a concern. Do you have a concern or complaint to share? We want to make it right. Learn about problem resolution at TD Insurance. Contact TD Insurance today if you need help to submit a claim, want to speak with a licensed TD Insurance advisor, and more!

  21. Trip Details

    You must meet the following requirements: You must be a Canadian resident. You are covered by a valid government health plan of your Canadian province or territory for the entire duration of your trip (i.e., OHIP, AHCIP, etc.). You are a TD Bank Group customer, or the Spouse or Dependent Child of a TD Bank Group customer.

  22. Travel Insurance Plans for Canadians

    Annual Plan 1. Ideal for frequent travelers, our annual plan offers a more convenient and cost-effective option than buying a single plan each time you travel. You'll get up to $5 million in emergency travel medical coverage for an unlimited number of covered trips, up to your chosen maximum trip duration, for one year. View details.

  23. Risk factors of diphtheria outbreak in damt district of Al Dhalea

    In Yemen, diphtheria has become an important health problem since 2017 when diphtheria re-emergence as a consequence of war and the collapse of the health system. In 2023, there has been a 57% increase in diphtheria cases compared to 2021 and 2022. Damt district of Al Dhalea Governorate had the highest reported cases for year 2023. The study aims to determine the risk factors associated with ...