What the Card Offers
RBC markets the Avion Visa Infinite Privilege as its luxury travel card: up to 100,000 Avion points, 6 airport lounge passes, 1.25 points on everything, double-value business and first class redemptions, and premium insurance.
- 6
Airport lounge passes a year1
Six complimentary visits a year to 1,200+ lounges through the Visa Airport Companion Program.
- 1.25x
Points on everything2
1.25 Avion points per $1 on all qualifying purchases.
- 2¢
Business and first class1
Redeem points at 100 points = $2 toward business or first class tickets.
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- 100,000
Welcome bonus points1
35,000 on approval, 20,000 after $5,000 in 6 months, and 45,000 anniversary points.
- 31 days
Emergency medical insurance3
Unlimited emergency medical for the first 31 days of a trip (7 days if 65 or older).
- $2,500
Trip cancellation per person3
Trip cancellation up to $2,500 per person, plus lost bag, delay and rental car cover.
- Fast track
Airport security and parking perks2
Priority security lanes and premium parking at select Canadian airports.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (3)
- RBC Avion Visa Infinite Privilege product page legal disclaimers (retrieved 2026-10-13)
- RBC Avion Visa Infinite Privilege product page (retrieved 2026-10-13)
- RBC Avion Visa Infinite Privilege Certificate of Insurance 06069 (09/2025)
Points & Redemption
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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. The perks are real, but the bonus and lounge access come with conditions.
Medical: 31 days, 7 at 65+, call firstImpact level: High
Emergency medical covers 31 days of a trip under 65, but only 7 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 31 consecutive days of a trip if you're under 65 and the first 7 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 7 days at 65 or older isn't covered beyond day 7.
45,000 bonus points need a second-year feeImpact level: Medium
45,000 of the 100,000 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 $399 fee is billed before the anniversary points arrive.
Why it matters: Count the welcome offer as 100,000 points only if you plan to keep the card for a second year.
6 lounge visits a year, shared with guestsImpact level: Medium
The 6 lounge visits are shared with your guests; extra visits cost $32 USD per person
Each enrolled cardholder gets 6 complimentary Visa Airport Companion visits per membership year, and visits used for accompanying guests come out of the same 6. Additional visits cost $32 USD per person, charged to the card. RBC values the 6 passes at $375 in its offer.
Why it matters: A couple travelling together uses 2 visits per stop, so the passes cover about three trips.
Needs $200,000 incomeImpact level: Medium
Requires $200,000 in personal or household income
The card requires a minimum personal income of $200,000 or household income of $200,000.
Why it matters: If you don't qualify, the Avion Visa Infinite offers the same points program for $120.
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.
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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.
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.
Flight grid caps ticket pricesImpact level: Low
Economy flight value is capped by the grid's maximum ticket prices
Economy flights from the Air Travel Redemption Schedule have a maximum ticket price per zone; above it you top up at 100 points per $1, and you pay taxes and surcharges. The double-value rate (100 points = $2) applies only to business and first class.
Why it matters: To get 2¢ per point, you need to book premium cabins or flights priced near the grid maximum.
Who This Card Is For
Great fit if you...
- Earn $200,000+ and travel several times a year
- Book business or first class with points
- Want longer medical cover (31 days)
- Will keep the card for a second year
- Use airport lounges a few times a year
Consider alternatives if you...
- Don't meet the $200,000 income requirement
- Travel with a partner and want unlimited lounges
- Won't pay a second $399 fee
- Mostly redeem for gift cards or credits
- Make many foreign-currency purchases
Welcome Bonus History
RBC Avion Privilege Welcome Bonus History
The Verdict
The Avion Visa Infinite Privilege adds lounge passes, longer medical cover and a 1.25x earn rate on everything to RBC's Avion program, and premium-cabin redemptions double the point value.
Nearly half of the 100,000-point bonus requires paying the $399 fee a second time, and the 6 lounge visits are shared with guests.
The Recommendation: Worth it for high-income travellers who redeem for premium cabins. Otherwise the Avion Visa Infinite delivers most of the value for $120.
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