RBC Visa Platinum Avion Review



Annual Fee


Annual Rewards

15,000 points + $120

Intro Offer


Annual fee


Annual rewards

15,000 points + $120

Intro offer


  • Flexible travel rewards program
  • Redeem points for flights, hotels, and more
  • No blackout dates or airline seat restrictions
  • Every purchase earns RBC Rewards points
  • Comprehensive insurance package
  • RBC’s Points Accelerator feature
  • Complimentary concierge service
  • Points can be transferred to partner loyalty programs


  • Annual fee of $120
  • Minimum income requirement of $60,000/personal or $100,000/household
  • Lesser rewards earning rate on everyday purchases
  • Foreign transactions incur a 2.5% fee
  • Limited bonus earning opportunities
  • Not the best option for cashback-seeking cardholders

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 Visa Platinum Avion, here’s how you earn rewards:

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 Visa Platinum Avion 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
Transfer to partner airlines$420.00
Apply to statement credit$139.20
Gift cards$172.80
Air travel – redemptions (scheduled)$559.20
RBC travel$240.00
Transfer to WestJet$240.00
Transfer to Hudson Bay$240.00
RBC financial products$199.20

Calculating your annual rewards

$24,000.00 annual spending x $2.33% return on spending = $559.20 annual rewards

$559.20 annual rewards – $120.00 annual fee = $$439.20 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score760 – 900
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
Trip Cancellation1000
Trip Interruption2500
Flight Delay500
Baggage Delay500
Lost or Stolen Baggage500
Rental Car Theft & DamageYes
Hotel Burglary2500

RBC Visa Platinum Avion Review

The RBC Visa Platinum Avion credit card is a popular travel rewards card that offers attractive benefits to its users. This comprehensive review will outline the card’s earning potential, four major benefits, two drawbacks, and other relevant information for potential users.

1. Earning Potential with the Card

The RBC Visa Platinum Avion credit card allows users to earn RBC Rewards points on their everyday purchases. For every $1 spent on travel purchases made through the RBC Rewards portal, cardholders will earn 1.25 points. For every $1 spent on all other eligible purchases, cardholders will earn 1 point per dollar. The more you use the card, the more points you can accumulate for redeeming on various rewards such as travel, merchandise, and gift cards.

2. Benefit 1: Flexibility in Travel Booking and Redemption

One of the key benefits of the RBC Visa Platinum Avion card is the flexibility it offers in booking and redeeming travel rewards. Cardholders can book flights with any airline, with no blackout dates or seat restrictions. This allows users to plan their trips according to their preferences and schedules. Additionally, points can be easily converted to other frequent flyer programs, extending the range of redemption options for users.

3. Benefit 2: Travel Insurance Coverage

RBC Visa Platinum Avion cardholders are provided with a comprehensive suite of travel insurance coverage, which includes travel medical insurance, trip cancellation and interruption insurance, flight delay insurance, and lost or delayed baggage insurance, among others. This makes the card a great choice for frequent travelers, as it offers financial protection against unforeseen events that may occur during their trips.

4. Benefit 3: RBC Rewards+ App

Cardholders have access to the exclusive RBC Rewards+ app, which provides a convenient way to manage, track and redeem their Rewards points. This user-friendly app provides an efficient method to browse redemption options available and redeem rewards on-the-go with just a few taps.

5. Benefit 4: Cardholder Security Features

With the RBC Visa Platinum Avion card, users can be confident in their card’s security features. The card is equipped with Chip and PIN technology and Zero Liability protection, ensuring that the cardholder is not held responsible for unauthorized charges. To further enhance security, RBC also provides proactive fraud detection and will notify cardholders of suspicious activity.

6. Drawback 1: Annual Fee

A significant drawback of the RBC Visa Platinum Avion credit card is the annual fee of $120. This may deter potential users who are not keen on paying a yearly fee for a credit card. However, it is essential to weigh the range of benefits and rewards offered by the card against this fee to determine its overall value.

7. Drawback 2: Limited Reward Accumulation Categories

Another drawback of the RBC Visa Platinum Avion card is that its reward rates for everyday categories, such as grocery and dining, are limited to 1 point per dollar spent. This may be a downside for potential users who are looking to earn increased rewards on specific spending categories.

8. Additional Information

The RBC Visa Platinum Avion credit card offers several additional benefits such as extended warranty and purchase protection, as well as access to the Visa Infinite Concierge service to help book travel, dining experiences, or event tickets. Overall, the RBC Visa Platinum Avion card is well-suited for users who are frequent travelers and are looking for flexibility in travel redemptions, comprehensive insurance coverage, and valuable cardholder security features.

Is the RBC Visa Platinum Avion not convincing you? Consider the RBC ION+ Visa or the RBC Cash Back Mastercard. Still not the right credit card? Make sure not to miss the RBC Avion Visa Infinite Privilege.


The RBC Visa Platinum Avion credit card allows you to redeem your points for various rewards, including:

  • Travel: Use your points for flights, hotels, car rentals, cruises, and vacation packages with no blackout dates or restrictions.
  • RBC Rewards Merchandise: Redeem points for gift cards, electronics, appliances, and more from popular brands through the online RBC Rewards catalogue.
  • Mortgage/Credit Line Payments: Apply your points towards your eligible RBC Royal Bank mortgage, personal loan, or Homeline Plan.
  • Investment Funds: Convert your points into eligible RBC investment products such as Guaranteed Investment Certificates or RBC mutual funds.
  • Charitable Donations: Donate your points to support a range of charitable organizations.
  • Pay Bills: Redeem points as a credit on your account statement to cover eligible expenses like other companies’ invoices, tuition fees, or event tickets.

The RBC Visa Platinum Avion credit card has a foreign transaction fee of 2.5% on purchases made outside of Canada, which includes transactions made in a foreign currency both online and in person. This fee is commonly charged by credit card issuers to cover the costs associated with currency conversion, risk management, and other related expenses when processing international transactions.

The RBC Visa Platinum Avion credit card does not have a specific minimum income requirement; instead, it requires that applicants meet the general eligibility requirements, which include a good credit history and the ability to meet the card’s minimum credit limit which is $5,000. This allows for more flexible qualification and is one of the aspects to consider when choosing the right card for your financial situation.

Key benefits

  • 15,000 welcome bonus points upon first purchase
  • Infinite concierge service available 24/7
  • 1 RBC Rewards point per dollar spent on everyday purchases
  • 1.25 RBC Rewards points per dollar spent on travel-related purchases
  • Customizable points redemption options
  • Emergency medical coverage up to $1 million
  • Robust trip cancellation/interruption insurance
  • Car rental theft and damage protection
  • Purchase protection and extended warranty coverage
  • Eligibility for RBC Royal Bank’s Customer Appreciation Program
  • Access to Visa Infinite Dining and Hotel Collection
  • Upgradable to RBC Avion Visa Infinite Privilege for additional perks

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