Earn rates
| Spending category | Earn rate | Value per $100 spent |
|---|---|---|
| All eligible purchases | 1 pt / $1 | ~$1.00 |
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 Avion Visa Infinite earns 1.25x on travel purchases for the same $120 annual fee, if you meet the $60K personal income requirement.
Benefits
| Benefit | Details |
|---|---|
| Welcome bonus | Up to 70,000 Avion points: 35,000 on approval, 20,000 after $5,000 spend in the first 6 months, 15,000 one-time anniversary bonus. Verify current offer with RBC before applying. |
| Transfer partners | British Airways Executive Club (1:1), WestJet Rewards (1:1), American Airlines AAdvantage (10:7), Cathay Pacific Asia Miles (1:1). |
| Avion Rewards Elite status | Automatic Elite membership included with the card. Unlocks additional redemption options and priority service within the Avion Rewards program. |
| 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 | Coverage on common carrier travel when the fare is charged to the card. |
| Auto rental collision/loss damage | Waiver covers damage or theft on eligible rental vehicles when the full rental is charged to the card. |
| Delayed baggage and flight delay | Coverage for essential purchases if checked baggage is delayed, and for expenses resulting from a covered flight delay. |
| 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 Platinum
Rental car pays first
No emergency medical
The RBC Avion Visa Platinum scores 25 of 100 on the figures its certificate publishes, 38th of the 59 Canadian cards compared. The certificate carries no emergency medical benefit, so a hospital bill abroad is yours. That is the gap to close before you travel, whatever else the card covers.
| Emergency medical | Not included |
|---|---|
| Trip cancellation | $1,000 per person · $5,000 per account |
| Trip interruption | $2,500 per person |
| Flight or trip delay | $250 per person · after 4 hours · $500 per trip |
| Baggage delay | $500 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
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 | Not included |
|---|---|
| Trip cancellation | per person: $1,000 (per trip; same amount applies to each additional cardholder and to a dependent child aged 16-25 travelling alone) per account: $5,000 (overall maximum across all covered persons) 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 thirteen covered reasons; enumeration truncated at the 40 word cap) |
| Trip interruption | per person: $2,500 (per trip) |
| Flight or trip delay | per person: $250 (per day, per covered person) trigger hours: 4 hours (applies to a missed connection, delayed flight departure or denied boarding) per trip cap: $500 (per occurrence, for all covered persons combined) |
| Baggage delay | per person: $500 (per occurrence; overall maximum for all covered persons is $2,500 per occurrence) trigger hours: 4 hours (measured from arrival of the flight at the scheduled destination) |
| Lost, stolen or damaged baggage | Not included |
| Travel accident | limit: $500,000 (maximum for all losses from one accident is the highest single indemnity amount) common carrier only: Yes (also covers the terminal, station, pier or airport immediately before boarding or after disembarking) covers 24h: No (the three covered situations are all tied to travel on a common carrier; no 24-hour clause appears in this section) |
| Hotel or motel burglary | $2,500 (per burglary occurrence, for all covered persons combined; applies to a hotel room, motel room or cruise cabin) |
| Rental car collision or damage | is primary: Yes (not primary where the covered person buys the rental agency CDW or where government insurance legislation states otherwise) vehicle value cap: $65,000 (MSRP in the 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 of thirteen excluded vehicle items; enumeration truncated at the 40 word cap) 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 as printed; the certificate ends it without a full stop) |
| Purchase protection | days: 90 days (from the date of purchase; covers loss or accidental physical damage) limit per year: $50,000 (per account, per calendar year) |
| Extended warranty | years added: 1 year (years added; doubles the original manufacturer's warranty and the combined period cannot exceed five (5) years) |
Figures above are from the RBC Avion Visa Platinum 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 eligible purchases | $2,500 | 1x | 2,500 pts / mo |
30,000 pts / year (~$300 in Avion portal travel, $180 net of $120 fee). ~1.00% effective return. If you meet the $60K personal income requirement, the Avion Visa Infinite earns 1.25x on travel purchases for the same annual fee.
Good fit if
- You want access to the Avion transfer network — British Airways Avios, American Airlines, Cathay Pacific Asia Miles — but don’t meet the $60K personal income requirement for the Visa Infinite.
- You want a strong opening bonus to seed a specific award. The current welcome offer of up to 70,000 points gives you a meaningful head start toward a business class transfer redemption.
- You want a single flat earn rate with no category tracking, and you bank with RBC, so keeping points within one relationship matters.
If that describes you, apply for the RBC Avion Visa Platinum. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You meet the $60K personal income requirement. The Avion Visa Infinite earns 1.25x on travel for the same $120 annual fee — a better return at no extra cost.
- You want high earn rates on everyday categories. At 1 pt/$1 across the board, the effective return is 1% at portal value — lower than grocery or gas-focused cards at this fee level.
- You want premium perks like lounge access. The Avion Visa Infinite Privilege includes Dragon Pass, though at a much higher fee.