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Mr. Loonie
RBC Avion Visa Infinite Privilege

RBC Avion Visa Infinite Privilege

7.9
Good
Expert Score · 6 reviews How we score

Best for: High earners who want premium travel insurance, lounge visits and flexible Avion points

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,279
Every year after
$344

Ranked #16 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$935
All of year one’s offer. Up to 100,000 Avion points.
Annual fee
$399 a year
Apply now on RBC’s site (opens in a new tab)
Needs $200,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from RBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $1,600 or more a month on everything?

Is your personal income $200,000 or more, or your household’s $200,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: Welcome offer up to 100,000 Avion points About $1,700 at our value for these points.

Watch for

  • Watch for: $399 a year You need about $1,600 a month on everything to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Avion points valued at 1.7¢ each.

  • Groceries $204
    1.25 points per $1 · 2.1% back $800 a month · 12,000 Avion points a year
  • Restaurants $64
    1.25 points per $1 · 2.1% back $250 a month · 3,750 Avion points a year
  • Gas $64
    1.25 points per $1 · 2.1% back $250 a month · 3,750 Avion points a year
  • Recurring bills $64
    1.25 points per $1 · 2.1% back $250 a month · 3,750 Avion points a year
  • Travel $38
    1.25 points per $1 · 2.1% back $150 a month · 2,250 Avion points a year
  • Everything else $166
    1.25 points per $1 · 2.1% back $650 a month · 9,750 Avion points a year
  • Foreign currency $38
    1.25 points per $1 · 2.1% back $150 a month · 2,250 Avion points a year
For you Year one Later years
Points you earn37,500 Avion points a year, at 1.7¢ each $638 $638
Welcome offer55,000 Avion points you’d reach $935 $0
Annual fee −$399 −$399
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Lounge visits2 visits at $45 $90 $90
Phone insurance$60 a year $60 $60
Total $1,279 $344

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Everything else (base rate)
1.25 points per $1
How Avion points work, and why 1.7¢

We count Avion points at 1.7¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.58¢ to 2.3¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    35,000 Avion points · about $595

    Get approved for the card.

    • On purchases within the first 6 months
    • Receive 35,000 points upon approval
    • 45,000 one-time anniversary bonus points
  2. 2

    20,000 Avion points · about $340

    Spend $5,000 in your first 6 months.

    You’d reach it in month 2.

  3. 3

    45,000 Avion points · about $765

    Keep the card for a year.

    • One-year anniversary

Offer ends Nov 25, 2026.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $200,000 or more Issuer says
  • Household income $200,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.9
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The RBC Avion Visa Infinite Privilege card is a good choice if you are interested in participating in the Avion Rewards program and value having access to airport lounges during your travels.”

  • Rewards Canada (opens in a new tab) May 2024

    “The RBC Avion Visa Infinite Privilege Card makes for a decent Ultra Premium card option - especially if you don't need a whole slew of benefits you'll never use or if you don't want to fork over the higher annual fees found on competing cards. Overall, it is well rounded and provides lots of redemption options from their reward chart to any travel options and of course the conversion to other programs. On its own, the card does struggle on the earn side of the equation but the simple trick of adding the RBC ION+ Visa Card into the mix to accelerate earning makes the Avion Visa Infinite Privilege Card a very competitive card option.”

  • Yore Oyster (opens in a new tab) Oct 2022

    “RBC Avion Visa Infinite Privilege Credit Card stands out in the travel rewards category among other credit cards. With no blackout dates, you can redeem the Avion points earned for any flight, any time, and at any airline. It also covers a wide range of insurance for car rentals, trip cancellations, emergencies, flight delays, lost baggage, and more. Aside from travel, you can convert your points into cash to pay for your household or credit card bills or use them to shop at stores like Apple and Best Buy.”

  • Finder (opens in a new tab) Jan 2021

    “The RBC Avion Visa Infinite Privilege offers a wide range of travel benefits and perks, but entry into this club is fairly restrictive. Even if you make the minimum $200,000 needed to apply for this card, you may not like the $399 annual price tag and standard interest rates. For frequent flyers who desire greater flexibility in their rewards program, this card might be a good option. Just keep in mind that features like fast-track security lanes and dedicated parking are only available at some Canadian airports.”

  • creditcardGenius (opens in a new tab) Sep 2020
    9

    “This card offers a great mix of rare perks, above average travel insurance, higher than normal rewards, reward redemption flexibility, and great transfer bonus opportunities.”

  • My Rate Compass (opens in a new tab) Sep 2020
    8

    “The RBC Avion Visa Infinite Privilege card is designed for top tier travellers who want all of the bells and whistles during their luxurious vacations. New card users obtain 35,000 welcome points and earn 1.25 RBC points on every dollar spent. RBC points can be put towards all future travel expenditures, point redemption is not restricted to airfare only.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Mobile device $1,500 per device
  • Lounges: Dragonpass 6 free visits
  • Trip Cancellation and Interruption Insurance
  • Complimentary Priority Pass membership
  • Mobile Device Insurance
  • Mobile wallets Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read RBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and car rental damage.

Fees and interest

What it costs

Annual fee
$399 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$99
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,279 year one, $344 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the RBC Avion Visa Infinite Privilege?

$399 a year. Each extra card costs $99.

How much is the RBC Avion Visa Infinite Privilege welcome offer worth?

Up to 100,000 Avion points, about $1,700. You get it in 3 steps: 35,000 Avion points when you are approved; 20,000 Avion points after you spend $5,000 in the first 6 months; 45,000 Avion points on your first card anniversary.

What income do I need?

RBC asks for $200,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation and interruption insurance and mobile device insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,279
year one for you
Apply now on RBC’s site (opens in a new tab)
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