RBC Cathay Pacific Visa Platinum Review



Annual Fee


Annual Rewards

40,000 points + $120

Intro Offer


Annual fee


Annual rewards

40,000 points + $120

Intro offer


  • Earn Asia Miles: 1 Asia Mile per $1 spent on Cathay Pacific purchases, 1 Asia Mile per $1 spent on travel expenses, and 1 Asia Mile per $2 spent on all other purchases.
  • Sign-up Bonus: New cardholders enjoy a generous welcome bonus of 35,000 Asia Miles after meeting the minimum spending requirement in the first three months.
  • Annual Companion Fare: Cardholders receive an annual Economy Class companion ticket to select Asian destinations upon renewal.
  • Green Tier Membership: This card offers an initial complimentary 12-month Green Tier Membership status in the Marco Polo Club, Cathay Pacific’s frequent flyer program.
  • Exclusive Lounge Access: Enjoy two complimentary lounge passes to Plaza Premium Lounges worldwide each year.
  • Travel Insurance: Cardholders benefit from comprehensive travel insurance, including trip cancellation, interruption, and delayed baggage claims.


  • Annual Fee: The RBC Cathay Pacific Visa Platinum card comes with an annual fee of $120.
  • Limited Rewards Partners: Cardholders can redeem Asia Miles only on Cathay Pacific, sister airline Dragonair, and selected airline partners, limiting its options for reward flights.
  • High Interest Rate: The card has an interest rate of 19.99% on purchases and 22.99% on cash advances, which could be costly if you carry a balance.
  • Foreign Currency Conversion Fee: There is a 2.5% fee on foreign currency transactions, which can add up for those who frequently travel or make purchases across various currencies.
  • Complex Rewards Structure: Understanding and maximizing rewards may require more effort as rate earning varies based on purchase categories.

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With RBC Cathay Pacific Visa Platinum, here’s how you earn rewards:

Specific Stores2 points
All Other Spend1 point

How much your rewards are worth

The dollar value of your rewards depends on the specific RBC rewards program and what you choose to redeem your points for.

For RBC Cathay Pacific Visa Platinum in particular, if you spend $2,000.00 per month, here’s our estimated rewards earned depending on which reward you choose:

Redemption methodAnnual rewards
Flight rewards$529.20

Calculating your annual rewards

$24,000.00 annual spending x $2.21% return on spending = $529.20 annual rewards

$529.20 annual rewards – $120.00 annual fee = $$409.20 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score560 – 659
Interest Rates
Cash Advance22.9%
Balance Transfer22.9%
Annual Fee$120.00
Extra Card Fee$0
Card typeVisa

Insurance coverage

Extended Warranty1 year
Purchase Protection90 days
Travel Accident500000
Emergency Medical Term31 days
Emergency Medical over 657 days
Flight Delay500
Baggage Delay500
Lost or Stolen Baggage500
Rental Car Theft & DamageYes
Hotel Burglary2500

RBC Cathay Pacific Visa Platinum Review

The RBC Cathay Pacific Visa Platinum credit card is ideal for those who frequently travel to and from Asia, particularly with Cathay Pacific. This review will discuss the card’s earning potential and benefits, as well as potential drawbacks to consider.

1. Earning potential with the card:

The RBC Cathay Pacific Visa Platinum card allows cardholders to earn Asia Miles, which can be redeemed for flights, upgrades, and other travel-related rewards. Cardholders receive 1 Asia Mile per CAD $1 spent on eligible transactions directly with Cathay Pacific, and 1 Asia Mile per CAD $2 spent on other eligible purchases. There are no specific reward rates for different categories like dining, travel or grocery spending, with the exception of transactions with Cathay Pacific for an accelerated earning rate.

2. Benefit 1: Complimentary Green membership

Cardholders enjoy Green Tier membership in the Marco Polo Club, Cathay Pacific’s loyalty program. This grants them priority reservation waitlist status and priority airport standby.

3. Benefit 2: Welcome bonus miles

New cardholders receive a welcome offer of 15,000 Asia Miles after spending CAD $6,000 in the first three months. This can be a useful head-start to earn rewards for future travel.

4. Benefit 3: Annual bonus miles

Cardholders receive 2,000 bonus Asia Miles when they renew their card each year, further increasing their opportunity to earn travel rewards.

5. Benefit 4: Travel Insurance and purchase protection benefits

The card includes comprehensive travel insurance with benefits such as trip cancellation/interruption, emergency medical, and baggage loss/delay coverage. It also provides purchase protection and extended warranty for eligible purchases made with the card.

6. Drawback 1:

The RBC Cathay Pacific Visa Platinum has a relatively high annual fee of CAD $120. This can negate some of the benefits received if the cardholder does not accumulate a significant number of Asia Miles through regular spending.

7. Drawback 2:

Asia Miles generally have the highest value when redeemed for flights or upgrades on Cathay Pacific or partner airlines. The card may not be as useful for those who do not frequently fly with these carriers or have other preferences for earning and redeeming travel rewards.

8. Additional Information:

Cardholders can transfer RBC Rewards points to Asia Miles at a rate of 1:1, offering more flexibility in earning rewards. Overall, the RBC Cathay Pacific Visa Platinum credit card is a suitable choice for frequent travellers who often use Cathay Pacific or its partners and can maximize the returns on Asia Miles redemptions.

Is the RBC Cathay Pacific Visa Platinum not convincing you? Consider the RBC RateAdvantage Visa or the WestJet RBC World Elite MasterCard. Still not the right credit card? Make sure not to miss the RBC Cash Back Mastercard.


<p>With the RBC Cathay Pacific Visa Platinum credit card, cardholders can redeem their points primarily for Cathay Pacific flights. Specifically, points can be redeemed for Asia Miles, which can be used to book reward flights on Cathay Pacific, Cathay Dragon, and their oneworld alliance airline partners. Additionally, Asia Miles can be redeemed for flight upgrades, excess baggage fees, lounge access, hotel stays, car rentals, and a variety of lifestyle experiences, including dining and shopping.</p>

The RBC Cathay Pacific Visa Platinum credit card comes with a 2.5% foreign transaction fee. This fee applies when you make purchases in a foreign currency or transactions processed overseas by merchants. Keep in mind that transaction fees can vary depending on the card, so it’s important to research and compare while choosing the right credit card for your needs.

The RBC Cathay Pacific Visa Platinum credit card does not have a specific minimum income requirement for applicants.

Key benefits

  • 1:1 Asia Miles earning on Cathay Pacific & travel-related expenses
  • 1:2 Asia Miles on all other purchases
  • 35,000 Asia Miles welcome bonus (minimum expenditure conditions apply)
  • Annual companion fare: Economy Class to select Asian destinations
  • Complimentary 12-month Green Tier Membership, Marco Polo Club
  • 2 Plaza Premium Lounge passes per year
  • Inclusive travel insurance (cancellation, interruption, baggage delay)
  • Annual fee of $120
  • Redeem miles with Cathay Pacific, Dragonair, & selected airlines
  • 19.99% interest on purchases, 22.99% on cash advances
  • 2.5% foreign currency conversion fee
  • Variable rate earning system (May require focused attention)

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