What the Card Offers
RBC markets the Avion Visa Infinite as its flagship flexible travel card: up to 70,000 Avion points, flights on any airline at fixed points prices, airline transfers, and an extensive insurance package including unlimited emergency medical.
- Any airline
Fixed-points flights1
Book flights on any airline at fixed points prices from RBC's Air Travel Redemption Schedule, with no blackouts.
- 1:1
Transfers to Avios and Asia Miles2
Convert points 1:1 to British Airways Avios, Cathay Asia Miles and WestJet points, or 10:7 to AAdvantage.
- Unlimited
Emergency medical insurance3
Unlimited emergency medical coverage for the first 15 days of a trip (3 days if 65 or older).
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- 70,000
Welcome bonus points4
35,000 points on approval, 20,000 after $5,000 in 6 months, and 15,000 anniversary points.
- $1,500
Trip cancellation per person3
Trip cancellation up to $1,500 per person ($5,000 per trip), plus trip interruption, delay, baggage and rental car cover.
- $1,500
Mobile device insurance3
Up to $1,500 for loss, theft or damage of a phone bought with the card.
- 1.25x
Points on travel1
1.25 Avion points per $1 on travel purchases and 1 point on everything else.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (4)
- RBC Avion Visa Infinite product page (retrieved 2026-10-13)
- Avion Rewards Terms and Conditions 128366 (06/2026), s. 13
- RBC Avion Visa Infinite Certificate of Insurance 15634 (12/2025)
- RBC Avion Visa Infinite product page legal disclaimers (retrieved 2026-10-13)
Points & Redemption
Show 3 more options (shopping, travel, statement credit)Show fewer
Rates: Avion Rewards Terms and Conditions 128366 (06/2026), ss. 13 and 19; RBC Avion Visa product page legal disclaimers (retrieved 2026-10-13). The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less. Ranges marked est. are CardTruth estimates, from a conservative redemption to a typical one.
The Fine Print Report
Moderate fine print. Point value depends on using the flight grid, and the medical coverage is short.
Medical: 15 days, 3 at 65+, call firstImpact level: High
Emergency medical covers 15 days of a trip under 65, but only 3 days at 65 or older, and you pay 20% if you don't call first
Out-of-province emergency medical coverage applies to the first 15 consecutive days of a trip if you're under 65 and the first 3 days if you're 65 or older. If you don't call the assistance centre before getting treatment, or use a non-approved provider, you pay 20% of covered expenses up to $25,000.
Why it matters: Longer trips need top-up coverage, and a trip of more than 3 days at 65 or older isn't covered beyond day 3.
15,000 bonus points need a second-year feeImpact level: Medium
15,000 of the 70,000 welcome points arrive only after the first year, after the second annual fee is charged
The anniversary points are credited 12 to 16 weeks after the first anniversary of the account, and only if the account is still open and in good standing. Annual fees are charged on the first day of the month after opening and every year after, so the second $120 fee is billed before the anniversary points arrive.
Why it matters: Count the welcome offer as 70,000 points only if you plan to keep the card for a second year.
Flight grid caps ticket pricesImpact level: Medium
The best point values come from the flight grid, which caps each ticket's price
Fixed-points flights come from the Air Travel Redemption Schedule: for example 15,000 points for a round trip within or to an adjacent province or state, with a maximum ticket price of $350, or 35,000 points for North America with a maximum of $750. Above the maximum you top up at 100 points per $1, and you pay all taxes, fees and surcharges. Other travel booked through Avion Rewards is worth 100 points = $1.
Why it matters: Points are worth up to about 2¢ only on flights priced near the grid maximum. Cheaper flights and other travel return closer to 1¢.
2.5% FX markup; refunds won't fully reverseImpact level: Medium
Foreign currency purchases are converted at 2.5% over the benchmark rate, and refunds won't fully reverse
Purchases in a foreign currency are converted to Canadian dollars at 2.5% over the benchmark exchange rate; some are converted to U.S. dollars first. If you carry a balance, interest is charged on the full converted amount. If a foreign purchase is refunded, the agreement says the charge and credit won't exactly balance because of the exchange rate.
Why it matters: Every $1,000 spent abroad or online in foreign currency costs about $25 in conversion markup.
2 missed payments: higher rates for a yearImpact level: Medium
Two missed payments in 12 months raise your rates until you pay on time for 12 straight months
If your minimum payment isn't made by the due date and still isn't paid by your next statement date, twice in any 12-month period, RBC raises your purchase and cash advance rates to the higher rates in your Information Box. The higher rates apply to new transactions and all remaining balances until you make 12 consecutive on-time minimum payments.
Why it matters: Carrying a balance becomes more expensive for at least a year. Automatic minimum payments prevent it.
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Points lost if RBC closes it for causeImpact level: Medium
Points are cancelled immediately if RBC closes the account for cause, including falling behind on payments
If you close the card, you have 12 months to redeem or convert your Avion points. If RBC closes it for cause, which includes the account not being in good standing (more than two statement periods past due), fraud or bankruptcy, the points are cancelled immediately or converted to a cash value at RBC's choice.
Why it matters: Redeem points regularly rather than letting a large balance build, especially before closing or switching cards.
RBC can debit your other accountsImpact level: Medium
RBC can take what you owe from your other RBC accounts without telling you first
If you don't meet the agreement's payment terms, RBC can deduct amounts owing on the card from any other account you have with RBC and apply them to the card, without notice in advance.
Why it matters: If your chequing account is also at RBC, a missed card payment can lead to a withdrawal you didn't schedule.
1x on everything but travelImpact level: Low
Most spending earns 1 point per dollar; only travel gets a bonus
The card earns 1.25 points per $1 on travel purchases and 1 point per $1 on everything else, including groceries, dining and gas.
Why it matters: At the flight-grid value of about 2¢, that's roughly 2% back on everyday spending, and about 1% if you redeem for other travel.
You pay RBC's collection legal feesImpact level: Low
If your account goes to collections, you pay RBC's collection and legal costs
Outside Quebec, if RBC uses a collection agency or law firm to collect what you owe, you must pay all of its expenses, including legal fees on a solicitor-and-client basis. An overlimit fee is also charged each statement period you stay over your limit.
Why it matters: Falling behind costs more than the interest alone.
Who This Card Is For
Great fit if you...
- Fly a few times a year and like flexible points
- Want airline transfers (Avios, Asia Miles)
- Are under 65 and take trips of 15 days or less
- Earn $60,000+ personal income
- Spend $5,000 in the first 6 months
Consider alternatives if you...
- Want bonus points on groceries or dining
- Are 65+ and take trips over 3 days
- Don't plan to keep the card a second year
- Mostly redeem for gift cards or statement credits
- Make many foreign-currency purchases
Welcome Bonus History
RBC Avion Infinite Welcome Bonus History
The Verdict
The Avion Visa Infinite is a solid flexible travel card: fixed-points flights on any airline and 1:1 transfers to Avios give the points real value, and the insurance package is broad.
Everyday earning is a flat 1 point per dollar, medical cover is short (15 days, 3 at 65+), and part of the welcome bonus depends on paying a second annual fee.
The Recommendation: Good if you'll redeem for flights or transfer to Avios. If you want lounge access and longer medical cover, compare the Avion Visa Infinite Privilege; for bonus categories, the Amex Cobalt.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer