Which RBC Avion card is the best?

For most people who qualify, the RBC Avion Visa Infinite is the best value: same $120 annual fee as the Platinum but with 1.25x on travel purchases. The Platinum is the right choice if you don't meet the $60K personal income requirement. The Visa Infinite Privilege ($399) is worth it primarily if you use airport lounges regularly — its six Dragon Pass visits per year are the main way the higher fee pays off.

What is the difference between the RBC Avion Visa Platinum and Visa Infinite?

Both cards cost $120 per year and earn the same Avion points with the same transfer partners. The key difference is earn rate and eligibility: the Visa Infinite earns 1.25 points per dollar on travel purchases versus 1 point everywhere for the Platinum, but requires $60,000 personal or $100,000 household annual income. If you qualify, the Infinite is strictly better for the same fee.

Credit Cards · Avion Rewards

RBC Avion Visa Platinum vs. Infinite vs. Infinite Privilege

Three cards, one Avion Rewards program. The first two are priced the same and differ mainly on who can get approved; the third costs considerably more and adds lounge access.

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	1:1	1:1	1:1
Cathay Pacific Asia Miles	1:1	1:1	1:1
Benefits
Welcome bonus	Up to 70,000 pts	Up to 70,000 pts	Up to 100,000 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
	Apply →	Apply →	Apply →

All three cards earn Avion Rewards points with the same transfer partners and the same 1¢/pt portal redemption rate. Welcome offers verified against rbcroyalbank.com on 2026-08-17 and available until November 25, 2026; 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.

Monthly spend $2,500/mo

Avion Visa Platinum

—

net of $120 fee

Avion Visa Infinite

—

net of $120 fee

Avion Visa Infinite Privilege

—

net of $399 fee

Avion Visa Platinum

Annual pts (1 pt/$1 all spend) —

Portal value − $120 fee —

Avion Visa Infinite

Annual pts (1.25x travel / 1x other, 15% travel share) —

Portal value − $120 fee —

Avion Visa Infinite Privilege

Annual pts (1.25x all spend) —

Portal value − $399 fee —

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 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

Still torn between them? Book a free conversation and we will work it out with you.

Avion Visa Platinum → Avion Visa Infinite → Avion Visa Infinite Privilege → Infinite vs. Privilege deep-dive → Avion Rewards program →

Ready to pick one?

For most travellers the Visa Infinite is the sweet spot: 1.25 points on travel, a welcome offer of up to 70,000 points, and the full set of 1:1 transfer partners for a $120 fee. Step up to the Privilege for lounge access and a larger bonus, or take the Platinum if you want the same transfer partners with no income minimum.

Apply for the Avion Infinite All RBC cards