Earn rates

Spending category Earn rate Value per $100 spent
All qualifying purchases 1.25 pts / $1 ~$1.25

Value shown at 1 Avion point ≈ $0.01 CAD through the Avion Rewards portal. Transfer to a partner program can return more on the right redemption. The standard Avion Visa Infinite earns the same 1.25x only on travel; this card earns 1.25x everywhere.

Benefits

Benefit Details
Welcome bonus Typically 60,000 Avion points on approval (~$600 in portal travel). Verify current offer with RBC before applying.
Airport lounge access Dragon Pass membership included. Six complimentary lounge visits per year; additional visits charged at standard Dragon Pass rates.
Transfer partners British Airways Executive Club (1:1), WestJet Rewards (100 pts = $1 WJD), American Airlines AAdvantage (10:7), Cathay Pacific Asia Miles (1:1).
Emergency medical insurance Out-of-province emergency medical coverage for the first 31 days of a trip (extended vs. standard Infinite).
Trip cancellation and interruption Coverage for non-refundable prepaid travel costs if a trip is cancelled or interrupted for a covered reason.
Travel accident insurance $500,000 common carrier accident coverage.
Auto rental collision/loss damage Waiver covers damage or theft on eligible rental vehicles when the full rental is charged to the card.
Delayed and lost baggage Coverage for essential purchases if checked baggage is delayed or lost.
Hotel burglary insurance Coverage for personal belongings stolen from a hotel room during a covered trip.
Petro-Canada savings 3¢/L discount on fuel when the card is linked to a Petro-Canada account.
Be Well points at Rexall 50 Be Well points per dollar spent at Rexall when paying with this card.
Purchase protection and extended warranty 90-day purchase protection against theft or damage; 1-year extended warranty on eligible purchases.

What your monthly spend earns

Monthly spend $2,500
Category Monthly spend Rate Monthly pts
All qualifying purchases $2,500 1.25x 3,125 pts / mo

37,500 pts / year (~$375 in Avion portal travel, -$24 net of $399 fee). ~1.25% effective return. See the breakeven calculator for whether the $279 incremental fee pays off at your spend level.

Good fit if

  • You use airport lounges regularly. Six complimentary Dragon Pass visits per year cover roughly $180–$240 in lounge access, which is the primary way this card offsets its fee over the standard Infinite.
  • You want a flat 1.25x on all spending without tracking categories, and carry high enough overall spend that the incremental earn matters.
  • You want Avion transfer access with a larger welcome bonus — the Privilege typically opens with roughly 60,000 points, ~$600 at portal value or more via the right partner transfer.

Less useful if

  • You don't use airport lounges. Without that benefit, the earn-rate difference alone rarely covers the $279 incremental fee — the breakeven on pure earn is very high.
  • Your income is below $200K personal or household. The Privilege has the highest income threshold of the RBC Avion lineup; the standard Avion Visa Infinite requires $60K personal.
  • You travel internationally often and want a card that rewards international spending — the earn rate on all purchases here is flat, with no bonus for foreign spend.
Compare all 3 Avion cards → Avion Visa Platinum → Avion Visa Infinite → Avion Rewards program →