The RBC Avion Visa Infinite Privilege is a premium travel credit card offered to Canadian residents. It provides a suite of luxury travel benefits, airport lounge access, and a high-earning rewards structure on purchases. The card is positioned for individuals with substantial personal or household income. Its features include comprehensive travel insurance, curated global experiences, and services aimed at simplifying and enhancing travel and lifestyle management.
Card Eligibility and Financial Requirements
To be eligible for the RBC Avion Visa Infinite Privilege card, applicants must meet specific financial thresholds. A minimum personal annual income of $200,000 is required, or alternatively, a minimum household income of $200,000. This requirement aligns the card with a premium clientele. The card carries an annual fee of $399, which is charged for the ongoing access to its benefits and rewards structure. It is important for potential applicants to understand that this premium card can impose higher card acceptance costs on merchants, which is a standard consideration for cards in this tier. The income verification process is part of the standard application procedure conducted by RBC.
Earning and Redeeming Avion Points
The card's rewards program is centred on earning Avion Points, which can be redeemed for a wide array of travel and lifestyle expenses. Cardholders earn 1.25 Avion Points for every dollar spent on all qualifying purchases. There are no category bonuses or tiered earning structures mentioned, making the earning process straightforward. The points are highly flexible for travel redemptions, as they can be used to book flights with over 500 participating airlines at any time, with no blackout dates or seat restrictions, even during peak seasons. This fixed-points pricing model provides predictability for travellers planning their trips.
Points can also be redeemed for hotel stays, car rentals, and vacation packages through the Avion travel portal. The standard conversion rate for these redemptions is 100 Avion Points equalling $15 in travel value. This means 100,000 points, which is the current welcome offer, is equivalent to up to $2,000 in travel value. RBC provides examples of what this value can represent, such as up to six round-trip flights to an adjacent Canadian province, territory, or U.S. state, or one round-trip flight to an international destination, though taxes and fees are extra on all redemptions. A specific redemption benefit offers double the points value when used for business and first-class airline tickets.
Avion points can be redeemed for flights on any airline with no blackout dates or seat restrictions. Points can also be used for hotel stays, car rentals, and vacation packages. The standard redemption value is 100 points equals $15 in travel value. Cardholders get double the redemption value on business and first-class airline tickets. Points can be used for flights, car rentals, hotels, and more in Canada or abroad.
- Flights on any of over 500 participating airlines with no blackout dates.
- Hotel stays at various properties worldwide.
- Car rentals from a global fleet of vehicles.
- Vacation packages to thousands of destinations.
- Show tickets, tours, and local attractions.
- Dining experiences and local cuisine.
Premium Travel Benefits and Airport Services
The RBC Avion Visa Infinite Privilege card includes several benefits designed to streamline and enhance the airport experience. Cardholders receive six complimentary global airport lounge visits per membership year through the Visa Airport Companion program. This program provides access to a network of over 1,200 participating airport lounges worldwide. For security clearance, the card provides access to VIP security fast track lanes at select Canadian airports, which is intended to reduce wait times. Furthermore, dedicated premium parking spaces are available at select Canadian airports, including those in Montreal, Vancouver, Ottawa, and Toronto City Airport Terminal.
The travel benefits extend beyond the airport through the Visa Infinite Hotel Collection. Cardholders gain access to over 900 properties globally, with potential benefits like free nights, discounts, room upgrades, and complimentary breakfast. Another hotel program offers savings on accommodations booked through Booking.com with an eligible Visa Infinite Privilege card, providing up to 8% (up to $230 USD) in travel credits for future stays. For rental cars, cardholders can access a fleet of vehicles at home and abroad, often with exclusive pricing and benefits tied to the Avion program. Comprehensive travel insurance is a key part of the card's offering, covering emergency medical situations, trip cancellation, and lost baggage, among other incidents.
Cardholders have access to dedicated VIP security fast track lanes at select Canadian airports. There are also dedicated premium parking spaces at select Canadian airports such as Montreal, Vancouver, Ottawa, and Toronto City Airport Terminal. The card includes six global lounge passes per membership year through the Visa Airport Companion program. This program provides access to more than 1,200 participating airport lounges worldwide.
- VIP security fast track lanes for expedited screening.
- Dedicated premium parking spaces.
- Access to over 1,200 global airport lounges via the Visa Airport Companion program.
- Six complimentary lounge visits per card membership year.
Lifestyle and Concierge Services
Beyond travel, the card unlocks a variety of lifestyle perks and services. The 24/7 complimentary Visa concierge service is available to assist with tasks such as booking travel plans, obtaining restaurant recommendations, or finding gifts. Cardholders also gain exclusive access to culinary events like the Visa Infinite Dining Series, which features multi-course meals and drink pairings at top Canadian restaurants. The Visa Infinite Culinary Escape offers another exclusive chef-led dining experience. For entertainment, Visa provides cardholders with exclusive benefits as a sponsor of the Toronto International Film Festival, such as ticket pre-sales and lounge access.
Additional lifestyle benefits include access to primetime restaurant reservations through a partnership with OpenTable. Wine country benefits feature curated tours and tasting experiences. For sports fans, Visa cardholders get exclusive ticket presale access to National Team home matches one day before the public. The card also provides automatic Platinum status in the Troon Rewards program, saving 20% on fees at over 150 golf courses globally and allowing access to private Troon Privé clubs up to two times per year at a rate of $99 USD per player per round. For connectivity abroad, Visa Infinite Privilege cardholders receive a complimentary 1 GB/15 day global mobile data plan from GigSky twice a year, plus a 30% discount on all other data plans for eSIM-compatible devices. The concierge and lifestyle services cover a broad range of potential requests and exclusive events. These services are designed to provide personalized assistance and unique experiences that are not readily available to the general public.
- 24/7 complimentary concierge for travel itineraries, gifts, and reservations.
- Exclusive ticket pre-sales for the Toronto International Film Festival.
- Presale access to National Team home soccer matches.
- Curated wine country tours and tasting experiences.
- Primetime restaurant reservations via OpenTable.
- Automatic Platinum status in the Troon Rewards golf program.
- Complimentary global mobile data plans from GigSky twice yearly.
Partner Offers and Linked Card Benefits
The card integrates with several Canadian retail and service partners to provide additional value on everyday spending. By linking the RBC card to a Petro-Canada account, cardholders can save 3 cents per litre on fuel and earn 20% more Petro-Points and Avion points on fuel purchases. When shopping at Canadian Tire, Sport Chek, or Mark's, cardholders can earn 3 times the Canadian Tire Money by scanning their Triangle Rewards card and paying with their linked RBC card. A partnership with Rexall allows cardholders to earn 50 Be Well points for every dollar spent on eligible purchases when cards are linked. For food delivery, adding the credit card to a DoorDash account grants a free 12-month DashPass subscription.
These partner programs are designed to augment the points earned through direct card spending. They represent a way to accumulate rewards and savings across common spending categories like fuel, pharmacy purchases, home goods, and dining. The terms and conditions for each partner offer are managed separately by the participating companies. Cardholders must actively link their cards and, in some cases, present specific loyalty cards at the point of sale to receive the full benefit.
Security, Insurance, and Emergency Services
The RBC Avion Visa Infinite Privilege card includes several security and protection features. Visa's Zero Liability Policy protects cardholders against unauthorized transactions if their card is used fraudulently, lost, or stolen. This policy covers Canada-issued cards but has specific exclusions, such as anonymous Visa Prepaid cards and certain commercial card products. Cardholders must notify their financial institution immediately of any unauthorized use to be eligible for this protection. The built-in travel insurance suite is a significant component, designed to offer peace of mind with coverage for emergencies, trip interruptions, and lost belongings.
In case of an emergency, Visa Customer Care Services provides 24-hour global support. If the card is lost or stolen, cardholders can call Visa Customer Service to report it and initiate a replacement. The same service can arrange for an emergency cash advance to be delivered or picked up at a convenient location, usually within 24 hours. These services are accessible by calling the toll-free number or a collect number from outside Canada. Card management, including bill payments and transaction monitoring, can be handled through RBC's award-winning mobile app.
If the card is lost or stolen, cardholders can call Visa Customer Service for emergency assistance. Visa can arrange for an emergency replacement card or a cash advance, usually within 24 hours. The service is available 24 hours a day, seven days a week. Visa's Zero Liability Policy protects against unauthorized transactions on the card.
- Visa's Zero Liability Policy for unauthorized transactions.
- Lost/Stolen Card Reporting via a 24-hour toll-free number.
- Emergency replacement card arrangement and delivery.
- Emergency cash advance services available globally.
- 24/7 Visa Customer Care Services (VCCS).
Application and Key Considerations
Canadians interested in the RBC Avion Visa Infinite Privilege card can apply through RBC's channels. A prominent welcome offer of up to 100,000 Avion points is available for applications submitted by November 25, 2026. The application will involve a credit check and verification of the stated $200,000 personal or household income requirement. Prospective cardholders should carefully review the full terms and conditions associated with all benefits, including insurance coverage, reward point expiration, and partner program rules. The value of the card is closely tied to an individual's travel frequency and their ability to utilize the premium lounge access, travel credits, and concierge services.
It is also important to consider the opportunity cost of the $399 annual fee against the value of the benefits received. The card's structure is best suited for those who travel regularly, particularly through major Canadian airports where the dedicated parking and fast-track security lanes are available. The points redemption flexibility for flights with any airline is a key differentiator from airline-specific co-branded cards. Ultimately, the card functions as a comprehensive tool for travel and lifestyle management for high-income Canadians. Regular use of the partner offers can also help offset the annual fee by providing savings on everyday purchases.
Frequently asked questions
What is the annual fee for the RBC Avion Visa Infinite Privilege card?
The annual fee for the RBC Avion Visa Infinite Privilege card is $399. This premium card offers luxury travel benefits and exclusive rewards for this fee. It is positioned as a top tier travel credit card within the RBC portfolio. The fee provides access to a suite of premium travel insurance and Infinite Privilege perks. Cardholders receive significant value through lounge access, travel credits, and enhanced redemption options.
How many airport lounge visits do I get with this card?
Cardholders receive six complimentary global airport lounge visits per membership year. This access is provided through the Visa Airport Companion program, which is a core VIP travel benefit. This benefit enhances the travel experience by offering comfort and amenities before flights. The visits renew annually with the card membership.
What is the minimum income needed to apply for this card?
Applicants must have a minimum personal income of $200,000 or a minimum household income of $200,000. This income requirement reflects the card's premium positioning in the market. It is a key eligibility criterion for this luxury credit card product. The high threshold ensures the card is offered to clients with significant financial capacity. This aligns with the card's premium benefits and higher annual fee.
How do I redeem Avion points for travel?
Avion points can be redeemed for flights on any airline with no blackout dates, as well as for hotels, car rentals, and vacation packages. The standard redemption value is 100 points equals $15 in travel value. You can book flights from over 500 participating airlines at any time without seat restrictions. Points offer double the redemption value on Business and First Class tickets. This flexible system allows for travel redemption both in Canada and abroad.
What travel insurance is included with the card?
The card includes comprehensive travel insurance coverage such as emergency medical, trip cancellation, and lost baggage coverage. This insurance provides peace of mind for cardholders during their travels. The coverage is described as top of the line travel insurance. It is a significant component of the card's premium value proposition. These protections are automatically included when you use the card for travel purchases.
What is the welcome offer for new applicants?
A welcome offer of up to 100,000 Avion points is available for new applicants who apply by November 25, 2026. This bonus is equivalent to up to $2,000 in travel value. The points can be used for multiple round trip flights within Canada, the US, or international destinations. This promotional offer is a key incentive for new cardholders. The offer has a defined expiration date for applications.
Sources and further reading
- RBC Avion Visa Infinite Privilege, Luxury Travel Credit Card rbcroyalbank.com
- Visa Infinite Privilege Credit Card visa.ca
This article explains how things work and is not financial, tax or legal advice. Rules, limits and rates change, so check the current figures with the Canada Revenue Agency, your province or your financial institution before you act.