How to Apply for the RBC Avion Visa Infinite Credit Card

Before applying, it is important to review the income requirements, annual fee, interest rates, benefits, and information requested during the application.

This guide explains the entire process so you can submit your request confidently.

What Is the RBC Avion Visa Infinite Card?

The RBC Avion Visa Infinite is a premium travel credit card issued by the Royal Bank of Canada.

It is part of the Avion Rewards program, which gives cardholders flexibility when earning and redeeming points.

Cardholders can use Avion points for flights, hotels, merchandise, gift cards, statement credits, and other eligible rewards.

One of the card’s main advantages is the ability to book travel with different airlines without being restricted to a single airline loyalty program.

The card is particularly suitable for people who travel regularly and want:

• Flexible travel redemptions
• Avion points on everyday purchases
• Additional points on eligible travel spending
• Travel and purchase insurance
• Visa Infinite benefits
• Access to selected RBC partner offers

RBC Avion Visa Infinite Card Requirements

Before starting your application, confirm that you meet the basic eligibility conditions.

Meeting these requirements does not guarantee approval, since RBC will also evaluate your credit profile and financial situation.

Minimum Income Requirement

According to RBC, applicants generally need a minimum annual personal income of $60,000 or a minimum annual household income of $100,000.

You may be asked to provide information about your employment, annual income, housing costs, and other financial obligations. Enter accurate and current information, as RBC may verify the details submitted.

Age and Canadian Residency

You must have reached the age of majority in your province or territory. This means applicants must generally be at least 18 or 19 years old, depending on where they live.

Applicants should also be Canadian residents. Newcomers, temporary foreign workers, and international students may need to contact RBC or visit a branch to discuss the application options available to them.

Credit History

RBC does not publish a guaranteed credit score for approval. However, premium Visa Infinite cards are generally intended for consumers with an established and favourable credit history.

Your likelihood of approval may be affected by:

• Your payment history
• Your credit utilization
• Your current debt
• Your income
• Recent credit applications
• The age of your credit accounts

Checking your credit report before applying can help you identify inaccurate information or unpaid accounts that could affect the decision.

How to Apply for the RBC Avion Visa Infinite Card

The easiest way to apply is through the official RBC website. The online process can usually be completed in a few steps.

Step 1: Visit the Official RBC Card Page

Go to the official RBC Avion Visa Infinite page. Review the card’s current welcome offer, annual fee, interest rates, income requirements, insurance coverage, and legal disclosures.

Promotional offers may change, so always confirm the current conditions directly on the RBC website before applying.

Step 2: Select “Apply Now”

Click the application button displayed on the card page. RBC may ask whether you are already an RBC Online Banking client.

Existing clients may be able to sign in and complete part of the application using information already associated with their accounts. New clients can continue as guests and enter their information manually.

Step 3: Provide Your Personal Information

The application may request details such as:

• Full legal name
• Date of birth
• Canadian residential address
• Phone number
• Email address
• Social Insurance Number, if voluntarily provided
• Employment status
• Employer information
• Annual personal and household income
• Monthly housing payment

Providing your Social Insurance Number is often optional, but it can help the bank match your application with your credit file.

Step 4: Review the Cardholder Agreement

Carefully read the interest rates, annual fee, additional cardholder fee, foreign currency conversion charges, cash advance fees, and other terms.

At the time of writing, the card has a $120 annual fee, while an additional card costs $50 per year.

The published purchase interest rate is 20.99%, and the cash advance rate is 22.99%. These conditions can change and may vary in certain circumstances, so confirm them before submitting the application.

Step 5: Submit the Application

Review all information for accuracy and submit your request. RBC may provide an immediate decision, request additional documents, or place the application under manual review.

A delayed response does not necessarily mean the application has been declined. RBC may need more time to verify your identity, income, or credit history.

Documents and Information You May Need

Preparing your information before you apply can make the process faster. Depending on your circumstances, you may need:

• Government-issued identification
• Current Canadian address
• Employment and employer details
• Annual income information
• Monthly rent or mortgage payment
• Social Insurance Number, if you choose to provide it
• RBC client or account information, if applicable

RBC may contact you for additional verification. Responding promptly and providing consistent information can help prevent unnecessary delays.

RBC Avion Visa Infinite Benefits

Understanding the benefits is essential when deciding whether the annual fee offers sufficient value.

Flexible Avion Points

Cardholders earn one Avion point per dollar on eligible everyday purchases, plus 25% more points on eligible travel-related purchases.

Points can be redeemed for travel and other rewards through the Avion Rewards platform.

Eligible Avion cardholders can book flights with different airlines and are not limited by blackout dates or traditional airline seat restrictions when using the applicable Avion airfare redemption options. Taxes, fees, and surcharges may still apply.

Welcome Bonus

RBC frequently offers bonus Avion points to new cardholders. The number of points, required spending, application deadline, and other conditions can change.

Read the promotional terms carefully. Some bonuses may be awarded after approval, while additional points may require a specific spending amount within the first few months or keeping the account open until the anniversary date.

Travel Insurance

The card includes several types of travel insurance, subject to eligibility rules, limits, exclusions, and payment requirements.

Coverage may include benefits related to emergency medical expenses, trip cancellation or interruption, flight delays, delayed or lost baggage, hotel burglary, and rental vehicles.

Do not assume every trip or traveller is automatically covered. Review the current insurance certificate before travelling, especially if you have a pre-existing medical condition or plan to take an extended trip.

Purchase Protection

Eligible purchases may receive purchase security and extended warranty protection.

The card also offers mobile device insurance of up to the amount specified in the insurance certificate, subject to deductibles, depreciation, eligibility conditions, and exclusions.

You may need to pay for the item with the RBC Avion Visa Infinite card or eligible Avion points for coverage to apply.

How to Improve Your Chances of Approval

There is no guaranteed method of obtaining approval, but you can prepare your application carefully.

Before applying:

• Pay existing credit accounts on time
• Reduce high credit card balances when possible
• Avoid submitting several credit applications within a short period
• Confirm that your credit report is accurate
• Use verifiable income information
• Make sure you meet the Visa Infinite income requirement
• Review your current debt and monthly obligations

Never exaggerate your income or provide inaccurate employment information. The bank may verify your application, and inconsistencies can result in delays or rejection.

Is the RBC Avion Visa Infinite Worth It?

The card may be worth considering if you travel regularly, pay your balance in full, and can use Avion points effectively.

Its flexible airline redemption options, travel insurance, and Visa Infinite benefits can provide value that exceeds the annual fee.

However, it may not be the best choice if you rarely travel, prefer cash back, cannot meet the income requirement, or frequently carry a balance. The purchase interest rate can quickly outweigh the value of the rewards.

Before applying, compare the card with alternatives based on:

• Annual fee
• Welcome bonus
• Point earning rate
• Travel redemption options
• Insurance coverage
• Foreign transaction fees
• Interest rates
• Your expected annual spending

Knowing how to apply for the RBC Avion Visa Infinite Card helps you avoid incomplete information and choose the card based on its real costs and benefits.

Confirm that you meet the minimum income requirement, prepare your personal and financial details, and review the agreement before submitting the online application.

The RBC Avion Visa Infinite can be a strong option for Canadian travellers who value flexible rewards and insurance coverage.

However, the card delivers the greatest value when you use its benefits consistently and pay the full statement balance by the due date.

Rates, offers, benefits, and eligibility rules are subject to change. Review the latest information and legal disclosures on the official RBC website before applying.