RBC Avion Visa Infinite Credit Card
Earn points with every purchase
Here’s how to apply for your RBC Avion Visa Infinite right now:
The RBC Avion Visa Infinite Credit Card is a premium travel rewards card designed for Canadians who want flexible flight redemptions, valuable insurance coverage and Avion points on everyday spending.
Unlike many airline-specific cards, it allows cardholders to book travel with different airlines without being limited to a single loyalty program.
With an annual fee of $120, the card is best suited to frequent travellers who can maximize its rewards, insurance benefits and promotional offers.
However, applicants should compare the potential value with the interest rates and eligibility requirements before applying.
RBC Avion Visa Infinite Credit Card Overview
The RBC Avion Visa Infinite is issued by Royal Bank of Canada and participates in the Avion Rewards program.
Cardholders earn points on eligible purchases and can redeem them for flights, hotels, car rentals, merchandise, gift cards and other rewards.
Current card details include:
- Annual fee: $120
- Additional card fee: $50
- Purchase interest rate: 20.99%
- Cash advance interest rate: 22.99%
- Minimum personal income: $60,000 per year
- Minimum household income: $100,000 per year
Interest rates, fees and promotional offers may change. Applicants should verify the latest terms on the official RBC website before submitting an application.
How to Earn Avion Points
The RBC Avion Visa Infinite Credit Card offers a straightforward rewards structure that makes it easy to accumulate points.
Earn More on Travel Purchases
Cardholders earn 1.25 Avion points for every $1 spent on eligible travel-related purchases.
This enhanced earning rate can make the card especially valuable for people who regularly pay for flights, hotels or other eligible travel expenses.
Earn Points on Everyday Spending
For other eligible purchases, cardholders generally earn 1 Avion point for every $1 spent.
This means groceries, recurring bills, dining and retail purchases can help build an Avion points balance over time.
The card does not focus on accelerated category bonuses for groceries or dining. Its main strength is the combination of flexible travel redemptions, enhanced earnings on travel and premium insurance benefits.
Welcome Offer for New Cardholders
RBC periodically provides a welcome bonus for approved applicants. At the time of publication, eligible new cardholders may receive up to 70,000 Avion points, subject to the offer’s spending, account and anniversary conditions.
The publicly advertised offer includes points awarded after approval, additional points after meeting the required spending amount during the introductory period and a one-time anniversary bonus.
Promotional terms and deadlines can change, so review the complete offer details before applying. Avoid choosing a credit card solely because of its welcome bonus.
The annual fee, regular rewards and ongoing benefits should also match your financial habits.
Flexible Travel Redemptions
One of the card’s most attractive features is the flexibility of Avion points. Cardholders can use points for travel through the Avion Rewards platform, including flights with different airlines.
Book Flights Without Airline Restrictions
Avion cardholders can generally book travel on any airline, any flight and at any time, subject to program terms and availability. This provides more flexibility than a co-branded card tied to one airline.
Taxes, fees and surcharges may still apply. Redemption value can also vary depending on the booking method, destination and number of points used.
Transfer Points to Airline Programs
Eligible cardholders may be able to convert Avion points to participating airline loyalty programs, including:
- British Airways Executive Club
- Cathay Pacific Asia Miles
- American Airlines AAdvantage
- WestJet Rewards
Transfer ratios, minimum amounts and promotional bonuses can vary. Always compare the value of transferring points with booking directly through Avion Rewards.
Travel and Purchase Insurance
The RBC Avion Visa Infinite Credit Card includes several insurance protections that may help travellers reduce the need to purchase separate coverage for every trip.
Coverage may include:
- Emergency medical insurance for eligible travellers
- Trip cancellation and trip interruption insurance
- Flight delay and emergency purchase insurance
- Delayed and lost baggage coverage
- Hotel or motel burglary insurance
- Auto rental collision and loss damage insurance
- Purchase security
- Extended warranty protection
Insurance is subject to eligibility rules, coverage limits, exclusions and documentation requirements.
Some benefits require the trip or item to be charged to the card. Cardholders should read the current certificate of insurance before relying on any coverage.
Who Should Consider This Card?
The RBC Avion Visa Infinite may be a strong choice for Canadians who:
- Travel regularly within Canada or internationally
- Want freedom to book with different airlines
- Spend enough to offset the $120 annual fee
- Value travel insurance and purchase protection
- Pay their credit card balance in full every month
- Meet the minimum income requirement
It may be less suitable for someone who rarely travels, carries a monthly balance or prefers a no-fee cashback card.
At a 20.99% purchase rate, interest charges can quickly exceed the value of the rewards earned.
How to Apply for the RBC Avion Visa Infinite
Applications can be submitted online through RBC. Existing RBC clients may sign in to online banking, while new clients can complete the standard application form.
Applicants will typically need to provide:
- Full legal name and date of birth
- Canadian residential address
- Employment and income information
- Housing costs and financial obligations
- Social Insurance Number, if voluntarily provided
- Consent to a credit check
Applicants must generally be the age of majority in their province or territory and satisfy RBC’s credit and income criteria.
Meeting the minimum income requirement does not guarantee approval, as RBC will assess the applicant’s credit history, existing debts and overall financial profile.
Is the RBC Avion Visa Infinite Worth It?
The RBC Avion Visa Infinite Credit Card can deliver meaningful value for travellers who use Avion points strategically and take advantage of the included insurance.
Its flexible airline options and enhanced travel earning rate distinguish it from more restrictive travel cards.
Before applying, calculate whether your expected rewards and benefits will exceed the annual fee.
If you travel frequently, pay your balance in full and want greater freedom when redeeming points, this card could be a practical addition to your wallet.