Transferable points$120/yrRBC · Visa Platinum

RBC Avion Visa Platinum

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Avion points with airline transfers if your income is under the Visa Infinite bar: same 70,000-point offer as the Avion Visa Infinite

Welcome offer now

Up to 70,000 Avion points — "a travel value of up to $1,500."

Ends November 25, 2026.

Checked on RBC's own page October 21, 2026. See RBC's page

What it earns in a year

30,000 points a year

Worth about $180 after the $120 fee at the simplest redemption, up to $480 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× points.

Using your points

On the spending above, 30,000 points a year: worth $300 the easy way, $600 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

Every rewards program compared →

How to apply for the RBC Avion Visa Platinum

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: $15,000 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

Check first: if you earn $60,000+ personal or $100,000+ household, get the Avion Visa Infinite. Same fee, more points on travel, travel medical included
Welcome offer: spend $5,000 in the first 6 months. Apply by November 25, 2026
Everyday spending: use a cash-back card. This one pays 1 point per $1 on everything
Redeeming: transfer to Avios or Asia Miles, or use RBC's fixed flight chart. Booking through Avion travel gets only 1¢ a point
Keep it a year: 15,000 of the points arrive on the first anniversary
Example: $1,600/month of household spending = 19,200 points a year = $192 through Avion travel

Key facts

Annual fee: $120
Purchase interest: 20.99%
Foreign currency fee: 2.5%
Min. personal income: $15,000
Min. household income: $15,000
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

Best paired with

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: $583 a year after both fees, vs $180 with this card alone

If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $768 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 70,000 points: 35,000 on approval, 20,000 after $5,000 in 6 months, 15,000 on the anniversary
RBC values the offer at up to $1,500 in travel
Transfers 1:1 to British Airways Avios and Cathay Asia Miles
Points never expire while the account is open
Low income bar: reported at $15,000 (RBC's page does not show one)

Cons

$120 a year, charged in year one too
1 point per $1 on everything, no bonus categories
1¢ a point unless you transfer to an airline or use the flight chart
No travel medical and no phone insurance
No lounge access, no Visa Infinite perks
2.5% on foreign-currency purchases
No welcome offer if you switch in from another RBC personal card

Insurance included

Trip cancellation: $1,000 per person ($5,000 per trip)
Trip interruption: $2,500 per person
Flight delay: $500 per delay, after 4 hours
Delayed bags: $500 per person
Travel accident: $500,000
Hotel burglary: $2,500
Rental car damage: up to 48 days, cars up to $65,000
Purchases: 90 days of theft/damage cover, warranty doubled up to +1 year
Not included: travel medical, phone

Maximums as RBC lists them. Conditions apply; the insurance certificate decides claims.

Perks

Avion Elite: airline transfers and the fixed flight chart
Book any flight: 500+ airlines, no blackouts, with points
DoorDash: DashPass offer

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 70,000 Avion points ("a travel value of up to $1,500"): 35,000 on approval + 20,000 after $5,000 in 6 months + 15,000 one-time anniversary. Apply Aug 13 – Nov 25, 2026Unchanged since October 17, 2026: same offer (shared footnote with Avion Visa Infinite), fee $120/$50, 20.99%/22.99%; income floor still not shown	$120, not rebated yr 1 (+ $50 additional card)	November 25, 2026
October 17, 2026	Up to 70,000 Avion points ("a travel value of up to $1,500"): 35,000 on approval + 20,000 after $5,000 in 6 months + 15,000 one-time anniversary. Apply Aug 13 – Nov 25, 2026Product URL moved to /travel/rbc-visa-platinum-avion.html. RBC's page confirms the 70,000 version and now states "up to $1,500". Income floor not shown on the page	$120, not rebated yr 1 (+ $50 additional card)	November 25, 2026

General information, not financial advice. Offers change; confirm on RBC's page before you apply.