The RBC Avion Visa Infinite Privilege is RBC’s ultra-premium Avion credit card, requiring a $200,000 income threshold and carrying a $399 annual fee. It offers the highest Avion earn rates in RBC’s card lineup, premium Visa Infinite Privilege status (with its accompanying lounge access and hotel benefits), and the most comprehensive travel insurance package RBC provides on a personal credit card. For high-income RBC clients who travel frequently, it represents the top tier of RBC’s credit card offerings.
Quick Verdict
Best for: Very high-income Canadians ($200,000+ annual income) who bank with RBC, want the highest Avion earn rates available on an RBC card, value Visa Infinite Privilege lounge access and hotel benefits, and travel frequently enough to utilise the premium travel insurance.
Not ideal for: Those who don’t meet the $200,000 income requirement, cardholders who prefer Aeroplan miles or Amex MR points (which have broader transfer partner networks), or those who can achieve sufficient value from the RBC Avion Visa Infinite at $120/year.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $399 |
| Additional cardholder fee | Verify at rbcroyalbank.com |
| Purchase interest rate | Verify at rbcroyalbank.com |
| Cash advance rate | Verify at rbcroyalbank.com |
| Foreign transaction fee | 2.5% (typical) — verify at rbcroyalbank.com |
| Personal income requirement | $200,000 |
| Household income requirement | $200,000 |
| Network | Visa Infinite Privilege |
| Rewards | Avion Points |
| Welcome bonus | Verify current offer at rbcroyalbank.com |
Card terms, earn rates, income requirements, and all features are subject to change. Verify all current details at rbcroyalbank.com before applying.
Welcome Bonus
RBC typically offers a premium welcome bonus for new Avion Visa Infinite Privilege cardholders. Verify the current offer at rbcroyalbank.com — welcome bonuses change frequently and are often the primary reason to apply.
At a typical Avion point valuation of $0.01–$0.015/point, a 35,000–55,000 Avion welcome bonus represents $350–$825 in travel value — a significant offset against the $399 annual fee.
Earn Rates
Verify all current earn rates at rbcroyalbank.com — these change.
| Spending Category | Avion Points |
|---|---|
| Eligible purchases (base) | Verify at rbcroyalbank.com |
| Travel purchases | Elevated rate — verify at rbcroyalbank.com |
Annual points estimate (illustrative)
At 1.5 Avion points per $1 on $8,000/month:
- Annual spend: $96,000
- Annual Avion points: ~144,000
- Value at $0.012/point (WestJet/Avios transfers): ~$1,728/year
Verify actual earn rates at rbcroyalbank.com.
Visa Infinite Privilege Benefits
Visa Infinite Privilege is Visa’s highest consumer card tier in Canada, offering benefits above both Visa Infinite and World Elite Mastercard:
Visa Infinite Privilege Concierge
- 24/7 concierge for travel bookings, restaurant reservations, entertainment tickets, and personal requests
- Guaranteed response — higher priority than standard Visa Infinite Concierge
Visa Infinite Privilege Hotel Collection
- Preferred rates at 900+ luxury hotels and resorts worldwide
- Complimentary amenities at participating properties (room upgrades, late checkout, dining credits)
- Similar to Amex Fine Hotels & Resorts but through the Visa network
Airport Lounge Access
- Complimentary lounge access through Priority Pass or equivalent
- Verify the number of included visits and guest policy at rbcroyalbank.com
Visa Infinite Privilege Dining Series
- Access to exclusive culinary experiences and restaurant reservation privileges in Canada
Verify the complete Visa Infinite Privilege benefit set at rbcroyalbank.com and visa.ca.
Avion Transfer Partners
Avion Points can be transferred to:
| Partner | Ratio | Best Use |
|---|---|---|
| WestJet Rewards | Verify | WestJet flights as WestJet dollars |
| British Airways Executive Club (Avios) | Verify | Short-haul redemptions, partner airlines |
Verify current transfer partners, ratios, and any transfer fees at rbcroyalbank.com.
Note: Avion’s transfer partner network is smaller than Amex MR (12+ partners). For travellers who want Aeroplan access, Amex MR cards (Cobalt, Gold, Platinum) that transfer to Aeroplan are more flexible.
Comprehensive Travel Insurance
The RBC Avion Visa Infinite Privilege includes RBC’s most comprehensive travel insurance for a personal credit card:
| Coverage | Details |
|---|---|
| Emergency travel medical | Verify limit — typically $5M |
| Trip cancellation | Verify limit |
| Trip interruption | Verify limit |
| Flight delay | Verify |
| Baggage delay/loss | Verify |
| Common carrier accident | Verify limit |
| Auto rental collision/damage | Verify |
| Hotel/motel burglary | Verify |
Review the Certificate of Insurance at rbcroyalbank.com for complete terms.
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $399 |
| Additional cardholder | Verify at rbcroyalbank.com |
| Purchase interest rate | Verify at rbcroyalbank.com |
| Cash advance rate | Verify at rbcroyalbank.com |
| Foreign transaction fee | Verify at rbcroyalbank.com (typically 2.5%) |
RBC Avion Visa Privilege vs. Tier Comparison
| Card | Annual Fee | Key Upgrade | Income Req. |
|---|---|---|---|
| RBC Avion Visa Platinum | $120 | Standard Avion earn | $60,000 |
| RBC Avion Visa Infinite | $120 | Visa Infinite benefits | $60,000 |
| RBC Avion VI Privilege | $399 | Lounge, Visa IP benefits, higher earn | $200,000 |
Who Is the RBC Avion Visa Infinite Privilege Best For?
Ideal cardholders:
- RBC banking clients earning $200,000+ who want the premium tier of Avion earning and Visa Infinite Privilege benefits
- Frequent travellers who will use airport lounge access, the Visa Hotel Collection, and comprehensive travel insurance
- Those who put $8,000–$15,000+/month on their credit card and want maximum Avion accumulation
- High-net-worth individuals who want to consolidate their premium financial services with RBC
Less suitable if:
- You don’t meet the $200,000 income requirement — the standard RBC Avion Visa Infinite at $120 is an excellent alternative
- You want to earn Aeroplan directly — Amex cards (Cobalt, Gold, Platinum) transfer to Aeroplan at 1:1; Avion does not
- You prefer Amex’s superior transfer partner network (12 partners vs. Avion’s 2)
Alternatives
| Card | Annual Fee | Key Strength |
|---|---|---|
| RBC Avion Visa Infinite | $120 | Core Avion earning at lower cost |
| Amex Platinum Card | $799 | FHR, Priority Pass, 12 MR transfer partners |
| TD Aeroplan VI Privilege | $599 | Aeroplan direct, Maple Leaf Lounge |
| CIBC Aeroplan VI Privilege | $599 | Aeroplan direct, Maple Leaf Lounge |
Bottom Line
The RBC Avion Visa Infinite Privilege is the apex of RBC’s credit card lineup, delivering the highest Avion earn rates, Visa Infinite Privilege benefits (lounge access, Hotel Collection, Concierge), and comprehensive travel insurance at $399/year. For the very high-income RBC client who travels extensively, it is a worthwhile premium card.
For those who want the highest Canadian premium card experience with the most transfer flexibility, the Amex Platinum ($799) offers a more robust partner network. For Aeroplan maximizers, the TD or CIBC Aeroplan Visa Infinite Privilege ($599) provides better Aeroplan earning.
Card terms, earn rates, income requirements, Visa Infinite Privilege benefits, and travel insurance are subject to change. Verify all current details at rbcroyalbank.com before applying.