I'm wondering if anyone can explain why the Infinite Program in Canada is being launched as a completely different entity with each bank ?

Over at TD, their supposedly high-end card is going to have the same credit limit as any other gold or platinum card (5000)...apparently, most existing subscribers using the gold card will be upgraded - nothing too special here. This runs counter to others that have a much higher minimum limit plus a freedom for people to go over their limit if need be.

Meanwhile, over at RBC, there are two different cards -- the private banking card will have be uber-exclusive - 250K minimum income plus other rules. But their Avion air miles version will be less exclusive - and upgradeable.

In most of the world, the Infinite card is 'standard' in that it offers the best of the best - but here it seems that every bank has personalized it so much, with so many styles and approaches, that the end result is a less prestigious product...

thoughts?