RBC Avion Visa Platinum vs. Infinite vs. Infinite Privilege
Three cards, one Avion Rewards program. The Platinum and the Infinite both cost $120 and differ mainly on income requirement and travel earn rate. The Infinite Privilege steps up to $399 and adds airport lounge access. Here is how they stack up.
All three Avion cards: full comparison
Avion Visa Platinum
Avion Visa Infinite
Avion Visa Infinite Privilege
Costs
Annual fee
$120
$120
$399
Income requirement
None
$60K personal / $100K household
$200K personal or household
Earn rates
Travel purchases
1 pt / $1
1.25 pts / $1
1.25 pts / $1
All other purchases
1 pt / $1
1 pt / $1
1.25 pts / $1
Portal redemption rate
1¢ / pt
1¢ / pt
1¢ / pt
Transfer partners
British Airways Avios
1:1
1:1
1:1
American Airlines AAdvantage
10:7
10:7
10:7
WestJet Rewards
100 pts = $1 WJD
100 pts = $1 WJD
100 pts = $1 WJD
Cathay Pacific Asia Miles
1:1
1:1
1:1
Benefits
Welcome bonus
Up to 70,000 pts
~35,000 pts
~60,000 pts
Avion Elite status
Yes
—
—
Airport lounge access
No
No
Dragon Pass + 6 visits/year
Emergency medical insurance
—
15 days
31 days
Trip cancellation / interruption
Yes
Yes
Yes
Auto rental collision/loss damage
Yes
Yes
Yes
Delayed baggage and flight delay
Yes
Yes
Yes
All three cards earn Avion Rewards points with the same transfer partners and the same 1¢/pt portal redemption rate. Welcome bonus figures are illustrative of typical offers; verify current promotions with RBC before applying.
What does the earn difference actually add up to?
Annual earn comparison — all three Avion cards
Portal value earned per year, net of annual fee. Assumes 15% of spend on travel. Lounge value not included.
Lounge benefit not included. Six Dragon Pass visits at ~$40 each add ~$240/yr of effective value to the Privilege, which changes the picture significantly at moderate spend levels.
Which Avion card is right for you?
Choose the Platinum if…
Choose the Infinite if…
Choose the Privilege if…
You don’t meet the $60K personal income requirement for the Visa Infinite
You meet the $60K income requirement and want 1.25x on travel for the same $120 fee
You use airport lounges regularly — six Dragon Pass visits per year is what makes the $399 fee work
You want the largest current welcome bonus to seed a specific transfer redemption
You want the best earn-to-fee ratio in the Avion lineup without paying for lounge access you won’t use
Your income meets the $200K personal or household threshold and you want a flat 1.25x on all spending
You bank with RBC and want transferable points with no income gatekeeping
You want comprehensive travel insurance including emergency medical coverage
You want the highest Avion welcome bonus in a mid-to-premium tier and can take advantage of the longer 31-day medical coverage