×1 Award winner
Pros & cons
Pros
- Up to 70,000 bonus points.
- High point value of up to 2.33 cents.
- Includes 12 types of insurance.
- Save 3 cents per litre on fuel at Petro-Canada.
Cons
- Only earns 1.25 points per $1 spent on all purchases.
- Poor rewards if not redeemed through the Air Travel Redemption chart.
- High income requirements of either $150,000 personal or $200,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 70k points + $120 which translates to an estimated $1,751.◊
For all welcome bonus details click here.
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 Avion Visa Infinite Privilege, here's how you earn rewards:
- 1.25 points per $1 spent on all purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For RBC Avion Visa Infinite Privilege in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Air Travel Redemption Schedule | $699 | |
| Transfer points to British Airways or Cathay Pacific | $525 | |
| Travel through RBC Rewards | $300 | |
| Charity donations | $300 | |
| Transfer points to WestJet Rewards | $300 | |
| Merchandise | $261 | |
| RBC financial products | $249 | |
| Gift Cards | $216 | |
| Statement credits | $174 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Air Travel Redemption Schedule | 2.33 cents | $23 |
| Transfer points to British Airways or Cathay Pacific | 1.75 cents | $18 |
| Travel through RBC Rewards | 1 cent | $10 |
| Charity donations | 1 cent | $10 |
| Transfer points to WestJet Rewards | 1 cent | $10 |
| Merchandise | 0.87 cents | $9 |
| RBC financial products | 0.83 cents | $8 |
| Gift Cards | 0.72 cents | $7 |
| Statement credits | 0.58 cents | $6 |
Calculating your annual rewards
$24,000 annual spending x 2.91% return on spending = $699 annual rewards
$699 annual rewards − $399.00 annual fee = $300 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- $200,000
- Household Income
- $200,000
- Annual Fee
- $399.00
- Extra Card Fee
- $99
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 2 years
- Purchase Protection
- 120 days
- Mobile Device
- $1,500
- Travel Accident
- $500,000
- Emergency Medical Term
- 31 days
- Emergency Medical over 65
- 7 days
- Trip Cancellation
- $2,500
- Trip Interruption
- $5,000
- Flight Delay
- $1,000
- Baggage Delay
- $750
- Lost or Stolen Baggage
- $2,500
- Hotel Burglary
- $3,000
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
RBC Avion Visa Infinite Privilege's 5.0 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Learn more about our rating methodology.
Awards
Each year for our annual credit card rankings our Genius Rating algorithm computes the best credit cards across 28 different categories. Here’s what this card has won this year:
Top cards from RBC
RBC Avion Visa Infinite Privilege review
The RBC Avion Visa Infinite Privilege is a top-class travel credit card from RBC with a truckload of perks, insurance, and points on purchases that can be converted at an excellent rate for very high returns.
That said, the high income requirements and annual fee are a major sticking point that turn many away from this card.
Here's our review of this luxury travel card, along with a comparison to another similar card on the market.
Pros of the RBC Avion Visa Infinite Privilege
Visa Infinite Privilege cards are some of the highest-end credit cards in Canada and their perks are always something to talk about.
1. Some of the best perks around
In terms of perks, the RBC Avion Visa Infinite Privilege has a long list that's filled to the brim with value:
- 6 free lounge visits per year
- Fast-tracked security and other airport benefits and discounts
- 24/7 concierge service
- 3¢ off per litre at Petro Canada and bonus Petro Points
- Bonus Rexall Be Well points
- $0 delivery fees for 12 months from DoorDash
A lot of these benefits come from the exclusive Visa Airport Companion program, which is only available on the highest-end Visa cards.
2. High earn rates
You'll get a flat earn rate of 1.25 points per $1 spent on all purchases with the RBC Avion Visa Infinite Privilege. And since each point is worth 2.33 cents, you'll get an effective return of just under 3%.
You'll earn RBC Avion Rewards, which can be redeemed for many different things – though it's best to redeem them using the Air Travel Redemption Schedule. Here's a chart detailing the point value for the different redemption options:
3. Loads of insurance coverage
The RBC Avion Visa Infinite Privilege has one of the best insurance packages out there, with 12 types of coverage. This includes 7 days of emergency medical for those over 65 and higher-than-average coverage amounts for most categories.
4. Massive welcome bonus
The welcome bonus is one of the biggest reasons to get this card – it's worth up to $1,631. You'll get 70,000 RBC points after your account is approved, spend $5,000 in the first 3 months, and on your 1 year anniversary. It's not too hard to claim and is incredibly rewarding – just imagine your dream vacation destination coming to you essentially for free.
That's the power of having a top-of-the-line RBC credit card.
Cons of the RBC Avion Visa Infinite Privilege
With all the perks and benefits of such a high-end card, it'd be too good to be true if there weren't some downsides. In this case, it's mostly due to its exclusivity – not everyone can afford to get one (or even qualify).
1. $399 annual fee
The first thing that scares potential users away is the high annual fee of $399. You'll have to ensure you can max out the welcome bonus and continue to spend enough to offset the annual fee. Otherwise, it won't be worth it.
2. High income requirements
To get the RBC Avion Visa Infinite Privilege, you'll need to make at least $200,000 per year (either personal or household income) to qualify. This puts it out of reach of many Canadians.
You'll also need a really good credit score of 760 to 900 to qualify.
Comparison to a more accessible card
Because of how hard (and expensive) it is to get and keep the RBC Avion Visa Infinite Privilege, we'll do a comparison with its more popular and more accessible brother, the RBC Avion Visa Infinite.
| RBC Avion Visa Infinite Privilege | RBC Avion Visa Infinite | |
|---|---|---|
| Rewards | * 1.25 points per $1 spent on all purchases | * 1.25 points per $1 spent on travel * 1 point per $1 spent on all other purchases |
| Welcome bonus | Up to 70,000 bonus points (terms) |  $100 GeniusCash + 55,000 bonus points (terms) |
| Number of insurance coverage types | 12 | 12 |
| Other perks | * $0 delivery fees for 12 months from DoorDash * 6 lounge visits per year * Other airport benefits like fast-tracked security * 24/7 concierge service * Save 3¢ per litre at Petro Canada * 50 Be Well points per dollar spent at Rexall | * $0 delivery fees for 12 months from DoorDash * Flexible rewards program * Save 3¢ per litre at Petro Canada * 50 Be Well points per dollar spent at Rexall |
| Annual fee | $399 | $120 |
| Income requirements | $200,000 personal or household | $60,000 personal or $100,000 household |
| Credit score requirement | 760 – 900 | 660 – 724 |
In all cases, the better card is the RBC Avion Visa Infinite Privilege – but it all depends on whether you can justify the annual fee since it's more than double what you'd have to pay for the RBC Avion Visa Infinite. It also matters whether or not you'll qualify in the first place due to the higher income and credit score requirements.
If you can make all of those things work, you'll get:
- Double the welcome bonus
- 25% more rewards on your purchases
- A seamless experience at most airports with expedited security and free lounge visits
- More valuable insurance despite the same number of coverage categories
Are you excited about all these perks and benefits?
As one of the highest-end travel credit cards, the RBC Avion Visa Infinite Privilege is on the wishlist for many Canadians, despite the difficulty in getting and maintaining it.
Do you have this card? Share your experience by leaving a review below.
FAQ
What travel benefits does the RBC Avion Visa Infinite Privilege have?
The RBC Avion Visa Infinite Privilege comes with Visa Airport Companion benefits, which include 6 free lounge visits, fast-tracked security, airport dining and retail discounts, and more.
Is there an annual fee waiver for the RBC Avion Visa Infinite Privilege?
No, the $399 annual fee cannot be waived for the first year and there are no ways to eliminate it fully, though some RBC bank accounts allow you to rebate up to $120.
What are the income requirements for the RBC Avion Visa Infinite Privilege?
You'll need to earn at least $200,000 in either personal or household income to qualify for this card.
Key benefits
Refer to RBC page for up to date offer terms and conditions.
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
* To be eligible for this offer your application for the RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege credit card must be received by the date indicated on this page and must be approved by us. Upon enrolment, 35,000 Avion points (or "welcome points") will appear within the first two monthly statements. The 20,000 additional Avion points will be awarded to you once a total of $5,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions) are posted to your credit card account within the first 6 months from the date your account is opened, provided your account is open and in good standing at the time you reach $5,000 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (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. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionreTo be eligible for this offer your application for the RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege credit card must be received by the date indicated on this page and must be approved by us. Upon enrolment, 35,000 Avion points (or "welcome points") will appear within the first two monthly statements. The 20,000 additional Avion points will be awarded to you once a total of $5,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions) are posted to your credit card account within the first 6 months from the date your account is opened, provided your account is open and in good standing at the time you reach $5,000 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (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. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512. † Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveller. 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).
** If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months. If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000. Enrolment is easy for eligible cardholders. You may cancel at any time. Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes). Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant®.
^ $120 cash welcome bonus represents free DoorDash DashPass for 12 months, which is valued at $9.99 per month.
User reviews
Reviewed by 34 Canadians
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I rarely write negative reviews, but my experience with Avion Rewards Infinite Privilege has been consistently disappointing.
The travel booking service is unreliable and the agents are unprofessional. Each time I’ve called, instead of support, I’ve faced obstacles. Despite paying $400/year for “infinite privilege,” I’ve received anything but privileged service.
Their system also seems broken. Prices on the website often don’t match what agents quote over the phone, and they refuse to honor their own advertised rates, always with excuses.
Overall, I’m very unhappy with the value of this card and am strongly considering downgrading from “infinite privilege.”
The reviews here are unreliable. This card is exceptional. You can redeem on any business class booking (including discounted) at 100 points = $2 or 2% of total cost including fees. No other card has that and this feature. Combined with the 1.25% earn rate, you are getting 2.5% of your purchases back in travel rewards. Also, the latest feature is Avion direct redemption, where they give you an auth code to book travel on your own and get the reward as a credit on your statement. This is handy when you find a better fare on an airline or other website than Avion, or when you want to do a booking with multiple cabins or for dependent children.
The 6 lounge passes are fine, and while not unlimited as with Amex Platinum, compare the annual fee at $399 instead of $699. Customer service can be spotty but try calling off-peak like at 9am on a weekday and you’ll get through quickly. All in all, I’ve had thousands of dollars of benefits per year far surpassing the annual fee. Recommend
When I go airport lounge the said one person is alwuld it happen tow time .
Other cards charge a bit more, but have unlimited lounge, and can can unlock travel status as well. To redeem for free travel it’s the most ridiculous price for every flight. I’d image the executive team at rbc and visa are the only ones who benefit from this card.
Worst trained customer service people EVER. They give out incorrect information and extremely inefficient. Issues every time I call them .
I have it for the lounge passes and extra points but wondering if it’s even worth it as sometimes they don’t have a lounge in the airport I’m at. And sometimes you can just pay to get in the lounge.
