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 | Up to 100,000 Avion points (~$1,000 in portal travel): 35,000 on approval, 20,000 after $5,000 in net purchases within 6 months, and 45,000 as a one-time anniversary bonus. Offer available until November 25, 2026. 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 (1:1), 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. |
Travel insurance on the RBC Avion Visa Infinite Privilege
Top 5 of 59 for coverage
Unlimited emergency medical
The RBC Avion Visa Infinite Privilege scores 98 of 100 on the figures its certificate publishes, 3rd of the 59 Canadian cards compared. Emergency medical is uncapped for trips up to 31 days. At 65 the longest covered trip falls from 31 days to 7.
| Emergency medical | Unlimited · age 0–64: 31 days; age 65+: 7 days · 90-day stability window |
|---|---|
| Trip cancellation | $2,500 per person |
| Trip interruption | $5,000 per person |
| Flight or trip delay | $500 per person · after 4 hours · $1,000 per trip |
| Baggage delay | $750 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $85,000 |
A booking made with points still qualifies. You have 30 days from the incident to report a claim. Dependent children are covered to age 21.
Every figure from the certificate, with its own wording
| Emergency medical | limit: Unlimited (benefit runs for the first 31 consecutive days of a trip under age 65 and the first 7 consecutive days at 65 or older) age 0–64: Unlimited, 31 days; age 65+: Unlimited, 7 days pre existing stability days: 90 days (180 days if you are 75 years of age or older) |
|---|---|
| Trip cancellation | per person: $2,500 (per trip; the same $2,500 applies to a dependent child aged 16-25 travelling alone and to each additional cardholder) covered reasons: Your emergency medical condition or death, The emergency medical condition or death of your travelling companion, The emergency medical condition or death of your spouse or your dependent child. (first three of the certificate's thirteen covered reasons; enumeration truncated at 40 words) |
| Trip interruption | per person: $5,000 (per trip) |
| Flight or trip delay | per person: $500 (per day) trigger hours: 4 hours (applies to a Missed Connection, Delayed Flight Departure or Denied Boarding) per trip cap: $1,000 (per occurrence for all covered persons combined) |
| Baggage delay | per person: $750 (per occurrence; overall maximum $3,000 per occurrence for all covered persons) trigger hours: 4 hours (measured from arrival of your flight at the scheduled flight destination) |
| Lost, stolen or damaged baggage | per person: $2,500 (certificate states $2,500 per occurrence for all covered persons combined and prints no separate per-person figure) per item sublimit: $500 (applies to jewellery and to golf clubs including golf bags, each per occurrence) |
| Travel accident | limit: $500,000 (maximum for all losses from one accident equals the highest single-loss indemnity) common carrier only: Yes (also covers travel to or from the terminal immediately before departure or after arrival, and time spent in the terminal) covers 24h: No (benefit attaches only while a passenger on the common carrier, boarding or disembarking, or in the terminal, station, pier or airport) |
| Hotel or motel burglary | $3,000 (per burglary occurrence for all covered persons combined; wrongful entry must show visible signs of force) |
| Emergency travel assistance | offered: Yes (assistance and claims services provided by Allianz Global Assistance for every coverage in the certificate) |
| Rental car collision or damage | is primary: Yes (becomes deductible-only cover if you accept the rental agency's CDW or where government insurance legislation states otherwise) limit basis: the actual cash value of the damaged or stolen rental vehicle, as well as valid towing charges, storage, loss of use charges and up to a fifty dollar ($50) rental agency administration charge (clause runs past 40 words; taken to the end of the compound benefit and the trailing qualifier dropped) vehicle value cap: $85,000 (MSRP in the vehicle's model year, excluding all taxes) max rental days: 48 days (consecutive days; a full calendar date between rentals is required to break the cycle) excluded classes: Vans, cargo vans, cube vans or mini cargo vans (other than mini-vans), Trucks, pick-up trucks and/or any vehicle that can be spontaneously reconfigured into a pickup truck (first two items of the certificate's thirteen-item excluded-vehicle list; enumeration truncated at 40 words) territory: This insurance coverage is available on a twenty-four (24)-hour basis and applicable worldwide where permitted by law or under the terms of the rental contract (clause carries no closing full stop in the certificate) |
| Purchase protection | days: 120 days (from the date of purchase) limit per year: $50,000 (per account per calendar year, counted individually for the applicant and each additional cardholder) |
| Extended warranty | years added: 2 years (triples the original manufacturer's warranty; combined extended and original warranty cannot exceed five (5) years) cap: $50,000 (stated as the maximum for the combined Purchase Security & Extended Warranty Insurance section, per card per year) |
| Mobile device | limit: $1,500 (per claim; capped at 2 claims in any 12 consecutive months and 4 claims in any 48 consecutive months) requires full charge: Yes (coverage begins 121 days after purchase; where the device is funded through a plan, every monthly wireless bill must also be charged to the card) eligible events: accidental physical loss, accidental damage, or mechanical failure (coverage runs for two years from the date of purchase and begins 121 days after purchase) |
Figures above are from the RBC Avion Visa Infinite Privilege Certificate of Insurance, effective 2023-11-01, underwritten by RBC Insurance Company of Canada; Aviva General Insurance Company for Auto Rental Collision/Loss Damage Waiver only under group policy F-2000375-A. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What your monthly spend earns
| 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 currently opens with up to 100,000 points, ~$1,000 at portal value or more via the right partner transfer.
If that describes you, apply for the RBC Avion Visa Infinite Privilege. Not sure yet? Book a free conversation and we will walk through it together.
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.