RBC Avion Visa Infinite Privilege
Churning cardWhat the roles mean
- A premium welcome offer: up to 100,000 Avion points + 6 airport lounge passes, with the strongest insurance of the RBC Avion cards
Up to 100,000 Avion points + 6 airport lounge passes — "up to $2,375 in value."
Ends November 25, 2026.
Checked on RBC's own page October 21, 2026. See RBC's page
What it earns in a year
37,500 points a year
Worth about −$24 after the $399 fee at the simplest redemption, up to $351 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Everything else: 1.25× points.
Using your points
On the spending above, 37,500 points a year: worth $375 the easy way, $750 the best way.
- Easy way (1¢): RBC's own travel booking: 100 points = $1, always
- Best way (2¢): Short flights with British Airways Avios, or RBC's flight chart with a fare near the top of its price band
How to apply for the RBC Avion Visa Infinite Privilege
Check first
- Welcome offer not for switches: you can't get it by switching an existing RBC personal credit card to this one
- Check you qualify Income: $200,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on RBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on RBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: spend $5,000 in the first 6 months. Apply by November 25, 2026
- Keep it a year: 45,000 of the 100,000 points arrive only on the first anniversary
- Everyday spending: 1.25 points per $1 on everything; a strong cash-back card beats it on groceries and gas
- Trips: charge them here for the insurance (31 days of travel medical under 65, $2,500 trip cancellation)
- Redeeming: transfer to Avios or Asia Miles, or use RBC's fixed flight chart. Booking through Avion travel gets only 1¢ a point
- Example: $1,600/month of household spending = 24,000 points a year: $240 through Avion travel, about $480 transferred to an airline (our estimate at ~2¢ a point). The fee is $399
Key facts
- Annual fee
- $399
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $200,000
- Min. household income
- $200,000
- Rewards
- RBC AvionSee every RBC Avion card
Annual fee waiver
- None
From rbcroyalbank.com product page, checked October 17, 2026. Not an affiliate link.
More RBC cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $339 a year after both fees, vs −$24 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $521 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 100,000 points: 35,000 on approval, 20,000 after $5,000 in 6 months, 45,000 on the anniversary
- RBC values the offer, with the lounge passes, at up to $2,375
- 1.25 points per $1 on everything, no categories to track
- Transfers 1:1 to British Airways Avios and Cathay Asia Miles
- Unlimited travel medical for the first 31 days of a trip, no need to charge the trip
- Points never expire while the account is open
Cons
- $399 a year, charged in year one too (+ $99 per additional card)
- Needs $200,000 personal or household income
- 1¢ a point unless you transfer to an airline or use the flight chart
- Lounge access is 6 passes, not unlimited
- 2.5% on foreign-currency purchases
- No welcome offer if you switch in from another RBC personal card
Insurance included
- Travel medical: unlimited, first 31 days of a trip under 65 (7 days at 65+)
- Trip cancellation: $2,500 per person
- Trip interruption: $5,000 per person
- Flight delay: $1,000 per delay, after 4 hours
- Delayed bags: $1,000 per delay
- Lost or stolen bags: $1,000 per occurrence
- Travel accident: $500,000
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $85,000
- Phone: $1,500 per claim
- Purchases: 120 days of theft/damage cover, warranty tripled up to +2 years
Maximums as RBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 6 airport lounge passes
- Airports: security fast-track lanes and premium parking at select Canadian airports
- GigSky: 1 GB of data abroad for 15 days, twice a year
- Troon Rewards: Platinum golf status
- Visa Infinite Privilege: concierge, hotel perks, dining events
How the offer has changed
One row per check of RBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Up to 100,000 Avion points + 6 airport lounge passes ("a value of up to $2,375"): 35,000 on approval + 20,000 after $5,000 in 6 months + 45,000 one-time anniversary. Apply Aug 13 – Nov 25, 2026Unchanged since October 17, 2026: same tiers and window; fee $399/$99, 20.99%/22.99%, income $200,000 personal or household | $399, not rebated yr 1 (+ $99 additional card) | November 25, 2026 |
| October 17, 2026 | Up to 100,000 Avion points + 6 airport lounge passes ("a value of up to $2,375"): 35,000 on approval + 20,000 after $5,000 in 6 months + 45,000 one-time anniversary. Apply Aug 13 – Nov 25, 2026Same offer as June 15, 2026; window now Aug 13 – Nov 25, 2026 (was May 7 – Jul 15) | $399, not rebated yr 1 (+ $99 additional card) | November 25, 2026 |
General information, not financial advice. Offers change; confirm on RBC's page before you apply.