Terry is preparing to lead the national team in their penultimate World Cup qualifier in Ukraine at the weekend secure in the knowledge that Fabio Capello's side are already assured of a place in South Africa next summer.
Seven wins out of eight at the start of the season have taken Chelsea to the summit of the Barclays Premier League, while two wins out of two in the group stage has given the Blues a perfect start to their Champions League campaign.
"This is my biggest season ahead of me and it's important to stay fit and keep playing well for Chelsea," Terry told the Daily Express. "Everybody knows the determination within myself to go on and win the Champions League with Chelsea, there is no bigger challenge than that.
"And with the England situation, I was captain of that side that didn't qualify and I took that very personally, and took a lot on my shoulders.
"It would 100% always annoy me if I retired without a Champions League winners' medal with Chelsea or some real success with England. To end my career without either of those things is unthinkable."