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RBC Avion Visa Infinite Privilege Review



Annual Fee


Annual Rewards

25,000 points + $120

Intro Offer


Annual fee


Annual rewards

25,000 points + $120

Intro offer


  • Earn 1.25 RBC Rewards points for every $1 spent on travel-related purchases
  • Earn 1 RBC Rewards point for every $1 spent on all other purchases
  • Comprehensive travel insurance coverage
  • Access to over 1,200 airport lounges worldwide
  • Close to 3:1 transfer ratio to various frequent flyer programs
  • RBC Rewards points do not expire


  • High annual fee of $599
  • Requires a personal income of at least $200,000 or a household income of at least $300,000
  • Not suitable for individuals with low travel frequency
  • Other credit cards may offer better rewards rates on specific, non-travel related purchases

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The RBC Avion Visa Infinite Privilege has earned a 4.57 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the RBC Avion Visa Infinite Privilege are rewards and insurance.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the RBC Avion Visa Infinite Privilege the most important factors for scoring this card are its rewards and insurance.


With the RBC Avion Visa Infinite Privilege, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1.25 points
Pharmacy1.25 points
Gas1.25 points
Groceries1.25 points
Restaurants1.25 points
Specific Stores1.25 points
Travel1.25 points
All Other Spend1.25 points

Calculating your annual rewards

We estimate that spending $2,000 per month with the RBC Avion Visa Infinite Privilege would earn $699 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

All Other Spend$699

Our study investigating the value found that each dollar spent on the RBC Avion Visa Infinite Privilege is worth up to $0.02, depending on how you redeem.

This $699 in rewards value puts the RBC Avion Visa Infinite Privilege in the top 10% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the RBC Avion Visa Infinite Privilege earns $699 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the RBC Avion Visa Infinite Privilege for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Transfer to partner airlines$525
Apply to statement credit$174
Gift cards$216
Air travel – redemptions (scheduled)$699
RBC travel$300
Transfer to WestJet$300
Transfer to Hudson Bay$300
RBC financial products$249

For an annual spend of $24,000, we estimated annual rewards value at up to $699.

That’s equivalent to a 2.91% return on spending.

The RBC Avion Visa Infinite Privilege has an annual fee of $399. After deducting this, we predicted net annual rewards of $300.

This puts it in the top 50% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The RBC Avion Visa Infinite Privilege has a $399 annual fee.

The average card charges $85. So, the RBC Avion Visa Infinite Privilege is in the top 10% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The RBC Avion Visa Infinite Privilege scored a 3.5 out of 5 for perks, putting it in the top 10% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the RBC Avion Visa Infinite Privilege charges 1% more than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the RBC Avion Visa Infinite Privilege with a $2,000 starting balance, you can see in the graph how the 1% more in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

InsuranceThis CardAverage
Extended Warranty2 years1 year
Purchase Protection120 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term31 days15 days
Emergency Medical over 657 days4 days
Trip Cancellation$2,500$1,500
Trip Interruption$5,000$2,000
Flight Delay$1,000$500
Baggage Delay$750$500
Lost or Stolen Baggage$2,500$1,000
Rental Car Theft & DamageYesNo
Hotel Burglary$3,000$1,000
Mobile Phone Insurance$1,500$1,000

We scored it 3.8 out of 5 for insurance.

It offers 13 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$200,000
Household Income$200,000
Annual Fee$399
Extra Card Fee$0
Card typeVisa

We scored it 2.5 out of 5 for approval.

We predict that you will require a credit score of at least 760 to qualify for the RBC Avion Visa Infinite Privilege, while the average card requires 652 to qualify.

This puts it in the top top 10% of cards by approval difficulty.

The personal income requirements are $200,000, while the average card requires $23,896.

This puts it in the top 10% of cards by the income required to qualify.

The RBC Avion Visa Infinite Privilege credit card is a popular option for Canadians who seek rewards and luxury travel experiences. In this review, we will examine the earning potential, four significant benefits, and two drawbacks of using this card.

Lastly, we will mention any additional information that could assist potential users in their decision-making process.

Earning potential with the card:

The RBC Avion Visa Infinite Privilege card allows cardholders to earn RBC Rewards points as they make purchases. Earn 1.25 points per dollar spent on travel, 1.25 points per dollar on dining, and 1 point per dollar on all other eligible purchases. These points can be redeemed for various rewards, including travel, merchandise, and gift cards.

Additionally, users receive a welcome bonus of up to 50,000 points upon signing up.


  1. Travel perks and upgrades – This card offers significant advantages for frequent travelers with a range of benefits such as priority boarding, access to over 1,300 airport lounges worldwide through Priority Pass membership, and complimentary upgrades on select airlines.

    These perks can enhance the overall travel experience for cardholders.
  2. Flexible point redemption – The RBC Rewards program allows for flexible point redemption. This means that cardholders can redeem their points with any airline, anytime, without any blackout dates or restrictions.

    Additionally, points can easily be converted to multiple airline rewards programs like WestJet, British Airways, and American Airlines.
  3. Comprehensive insurance coverage – The Avion Visa Infinite Privilege card offers an extensive suite of travel insurance benefits, including emergency medical coverage, trip cancellation and interruption protection, and rental car insurance. This coverage provides cardholders with peace of mind when traveling.
  4. Premium suite of Visa Infinite Privilege benefits – In addition to the travel perks mentioned earlier, cardholders can also access a wide range of exclusive services and experiences through the Visa Infinite Privilege program.

    These benefits include dedicated concierge services, luxury hotel privileges, and exclusive dining and entertainment experiences.


  1. High annual fee – One significant drawback of the RBC Avion Visa Infinite Privilege card is its substantial annual fee of $399. This fee may deter potential cardholders who are not confident they will make optimal use of the card’s rewards and benefits.
  2. Moderate earn rate – While this card does offer a decent earning rate, especially for travel and dining purchases, some competitors’ cards may provide higher overall earn rates, making it essential for potential users to compare various options before settling on a card.

Additional information:

Cardholders also enjoy a valuable annual companion fare for travel within North America, starting at $199 plus taxes and fees. This perk can significantly offset the card’s annual fee if used strategically.

In summary, the RBC Avion Visa Infinite Privilege card is an excellent choice for frequent travelers seeking luxury travel experiences and robust insurance coverage. However, potential cardholders should weigh the high annual fee against the benefits and earning potential relative to other credit card options.

Interested in other credit cards? If the RBC Avion Visa Infinite Privilege credit card isn’t perfect for you, you might want to consider the RBC British Airways Visa Infinite. Plus, many Canadian’s that like the RBC Avion Visa Infinite Privilege like the RBC ION+ Visa, and the RBC US Dollar Visa Gold.


With the RBC Avion Visa Infinite Privilege credit card, you can redeem your points for a variety of rewards, including:

  • Travel Rewards: You can use your points to book flights, hotels, car rentals, cruises, and vacation packages through RBC’s online travel portal or by calling the RBC Rewards Centre.

    Points can be redeemed for travel on any airline with no blackout dates or seat restrictions. You also have the option to transfer your points to other popular frequent flyer and hotel loyalty programs.
  • Merchandise and Gift Cards: The RBC Rewards Centre offers a wide selection of merchandise and gift cards from popular retailers and brands, allowing you to shop for items like electronics, home goods, fashion accessories, and more using your points.
  • RBC Financial Rewards: You can also use your points to pay down your credit card balance, contribute to an eligible RBC investment account, or pay for other financial products and services available through RBC.
  • Charitable Donations: If you prefer to use your points for a good cause, you can choose to donate them to one of RBC’s supported charities.

In summary, the RBC Avion Visa Infinite Privilege card offers versatile and valuable redemption options that cater to a wide range of cardholder preferences, making it an excellent choice for those who want to maximize their reward potential.

The RBC Avion Visa Infinite Privilege credit card does have foreign transaction fees. Any purchases made in a foreign currency while using this card are subject to a 2.5% fee on top of the converted amount.

This fee is applicable when making purchases outside of Canada or on foreign websites that charge in a currency other than Canadian dollars.

Yes, the RBC Avion Visa Infinite Privilege credit card has a minimum income requirement. Applicants are required to have an individual annual income of at least $200,000 or a combined annual household income of at least $200,000 to be eligible for this card.

Key benefits

  • Card type: Visa Infinite Privilege
  • Interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers
  • Welcome bonus: Up to 50,000 RBC Rewards points
  • Minimum credit limit: $15,000
  • Earn a bonus of 20,000 RBC Rewards points with your first purchase
  • Access to Visa Infinite Privilege Concierge Services
  • Mobile device insurance coverage up to $2,500
  • Emergency medical coverage for the first 31 days of travel
  • Trip cancellation/trip interruption insurance up to $5,000 per person
  • Unused/restricted airline ticket insurance up to $2,500 per person
  • Car rental collision/loss damage insurance for rentals up to 48 days
  • Hotel/Motel burglary insurance up to $2,500
  • Purchase protection and extended warranty benefits

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