Overview of the RBC Avion Visa Infinite Privilege

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Earn rewards

1.25 points/$1

On bills, entertainment, gas, groceries, drug & pharmacy, restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit)

RBC Avion Visa Infinite Privilege details

Welcome bonus: earn 55,000 Avion points. Apply by January 15th, 2025
Anniversary bonus: earn 15,000 Avion points. Apply by January 15th, 2025
Annual fee: $399
Reward: Earn 1.25x points on bills, entertainment, gas, groceries, drug & pharmacy, restaurants (including fast food & drinks), travel (including flights, hotels, taxis, public transit)
Average point value: $0.021
Purchase interest rate: 20.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: $200K/yr
Household income: $200K/yr
Recommended credit score: 760+
Network: VISA
Provider: RBC Royal Bank
Card type: Travel

Detailed card summary

Benefits & features

Get 70,000 Avion points* (a travel value of $1,500^†). Apply by January 15th, 2025.
70,000 Avion points* is enough for two roundtrip tickets to almost anywhere in Canada & the US (Alaska and Hawaii require more points). Taxes and fees extra.^†
35,000 Avion Points on approval*
20,000 bonus points when you spend $5,000 in your first 6 months*
15,000 one-time anniversary bonus points after 12 months of account opening*
Earn 1.25 Avion point for every dollar you spend.¹
Enjoy six complimentary global airport lounge access passes5 ($375 value^). Plus take advantage of security fast track lanes and parking benefits at select Canadian airports^5.
Book flights on any airline, on any flight, at any time3. You can also use your points to redeem for vacation packages, hotels, cruises and tours³.
Pick any seat you want from 130+ airlines – with no seat restrictions or blackout periods, even during peak seasons.
Access more of the world with your 24/7 Visa Infinite Privilege Concierge
Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $23.
Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner
Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and, British Airways Avios.
Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
Get access to RBC offers which provides access to earn points faster at specified brands.
Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
Flexibility to book flights last-minute: up to 24hrs before departure.
Extensive insurance coverage
- Mobile Device Insurance included – up to $1,500¹²
- Travel with ease with trip cancellation¹² and trip interruption¹² insurance, and emergency medical¹².
- Plus, eligible purchases¹² made on the card are protected.
- Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family

How to redeem

How to get approved

Ratehub review

Natasha Macmillan

June 18, 2024

The RBC Avion Visa Infinite Privilege is your ticket to luxury travel perks, including airport lounge access, flexible travel point rewards and a full travel insurance package. It is worth noting, however, that the points earning rate could be higher for the annual fee.

Pros

Airport lounge access: When you register with the Visa Airport Companion program, get 6 annual airport lounge passes, available at 1,200 lounges around the world
Valuable rewards points: RBC points are extremely valuable when booked for flights and other travel redemptions through the Avion Rewards center
Generous welcome bonus: The welcome bonus may be enough to cover a flight through the Avion Rewards centre

Cons

Points earning rate: The base rate of 1.25 points per dollar could be higher compared to other cards with a similar annual fee
High annual fee: The annual fee is quite high and you’d need to be a frequent flier or really value luxury to get the most out of this card

Legal

* This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between May 1, 2024 and January 15, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two ⁽²⁾ consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve ⁽¹²⁾ to sixteen ⁽¹⁶⁾ weeks after the one- year anniversary of your account opening, provided that your account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
^{^}The calculation of lounge value (Visa Airport Companion Program (hosted and managed by DragonPass International Ltd. (“DragonPass”) is based on the comparable cost of direct enrollment in the program for membership by a Primary cardholder, which costs $99 USD and includes one complimentary airport lounge visit every year and the cost of additional 5 paid visits costing $32 USD per person, per visit. At an approximate exchange rate of $1.37 USD as of July 19, 2024.