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Choosing a good credit card for earning points in Canada requires attention. Therefore, understanding the RBC Avion credit card benefits helps you earn more money back on every purchase in the Canadian market.
The Royal Bank of Canada offers options focused on points and insurance, making it easy to find the ideal model for every budget.
Furthermore, knowing how the RBC Avion credit card benefits work avoids spending money on high annual fees or hidden charges. The Avion Rewards program guarantees flexibility when traveling. The system allows booking flights without blackout dates or airline limitations.
Therefore, this guide explains the main RBC Avion credit card benefits with details on prices, minimum income, and usage rules. Keep reading to understand everything about this card.
Discover the RBC Avion Card Options
1. RBC Avion Visa Platinum
First, the Platinum card serves as the entry point to the credit line. It allows you to accumulate points in the Avion Rewards program without requiring proof of income.
Furthermore, the annual cost is $120 CAD for the primary cardholder and $50 CAD for additional cards.
On the other hand, the major differential is the absence of a minimum income requirement.
This ease allows students, professionals at the beginning of their careers, and newcomers to the country to obtain approval.
Regarding interest rates, the card charges 20.99% annually on purchases and 22.99% annually on cash advances. Finally, the program offers 1 point for every $1 CAD spent on eligible expenses.
2. RBC Avion Visa Infinite
The RBC Avion Visa Infinite option balances costs and benefits. The bank requires a minimum annual income of $60,000 for individuals or $100,000 for families.
As a rule, the annual fee costs $120 for the primary cardholder and $50 for additional cards. Purchases accrue interest at 20.99% annually.
However, cash withdrawals charge 22.99% interest, except in Quebec, where the rate drops to 21.99%.
Finally, the program rewards travel with 1.25 points per dollar spent, while other purchases guarantee 1 point per dollar.
3. RBC Avion Visa Infinite Privilege (RBC Avion credit card benefits)
The Infinite Privilege card focuses on the high-income segment, ensuring fast points and exclusive benefits.
The annual fee costs $399 CAD for the primary cardholder and $99 CAD per additional card.
However, the bank requires proven annual income of $200,000 CAD, either individual or family, for credit release.
Additionally, the card charges 20.99% annually on purchases and 22.99% annually on cash withdrawals.
Finally, every dollar spent earns 1.25 points on any purchase.
Furthermore, the customer guarantees six annual accesses to VIP lounges and priority at airport security lines.
Comparative Table of the RBC Avion credit card benefits
| Card | Annual Fee (CAD) | Additional Card (CAD) | Minimum Personal Income (CAD) | Minimum Family Income (CAD) | Purchase Interest (Annual) | Cash Advance Interest (Annual) |
| RBC Avion Visa Platinum | $120 | $50 | Not required | Not required | 20,99% | 22,99% |
| RBC Avion Visa Infinite | $120 | $50 | $60,000 | $100,000 | 20,99% | 22.99% (21.99% in QC) |
| RBC Avion Visa Infinite Privilege | $399 | $99 | $200,000 | $200,000 | 20,99% | 22.99% |
Other Costs to Consider on the RBC Card
Saving money requires attention to the details and hidden fees of the card. Firstly, international purchases in foreign currency charge an extra fee of 2.50%, which increases the cost of using the card outside Canada.
Additionally, cash withdrawals incur immediate costs. The bank charges $3.50 CAD per withdrawal within the country and $5.00 CAD abroad.
Note: the cash advance does not offer an interest-free period. The 22.99% annual charge starts at the moment of withdrawal.
Furthermore, other administrative fees impact the budget. Transferring balances from other banks costs up to 3.00% of the amount. If the spending exceeds the card limit, the fine reaches $29.00 CAD.
Finally, requests for physical documents generate extra charges, such as $5.00 CAD for printed statements and small fees for individual proofs of purchase.
Use the RBC Card to Redeem Flights (RBC Avion credit card benefits)
The points system works with a fixed value table. This rule helps avoid constant changes in airline ticket prices.
In practice, the program exchanges an exact quantity of points for round-trip or one-way tickets.
However, the original price of the ticket must respect a maximum limit in Canadian dollars.
In addition, short trips within a province require 15,000 points for a round trip. For just one segment, the cost drops to 7,500 points.
Flights crossing Canada or the United States require 35,000 points for the complete ticket. In this case, the financial coverage reaches up to $750 CAD.
Similarly, popular destinations like Mexico and the Caribbean require 45,000 points for round-trip tickets.
On the other hand, longer trips within North America go up to 55,000 points. The ticket value limit for these destinations varies between $900 CAD and $1,100 CAD.
Next, the table defines that trips to Europe cost 65,000 points. For destinations even further away, such as Asia, Africa, or South America, the fixed value is 100,000 points. This redemption covers tickets costing up to $2,000 CAD at the counter price.
Therefore, if the ticket value is within the limit, the points pay for the entire ticket.
The passenger only pays departure taxes and fees in cash. If the price exceeds the table’s ceiling, the remaining amount must be paid with the card or with extra points.
Finally, accumulated points can also be used to pay for hotel reservations and car rentals. The program maintains an exchange rate of 100 points for every $1 CAD in these situations. Thus, using the benefits ensures savings in various parts of the trip.
Quick Guide to Applying for RBC Cards
To obtain approval for any model in the Avion line, the applicant must meet basic eligibility conditions in the Canadian market.
It is required to have the legal status of a permanent resident in Canada, have reached the age of majority in the province of residence, and present a stable financial history. The cadastral analysis is processed electronically through the TransUnion Canada bureau, requiring a credit score classified as good or excellent.
Successive submission of proposals should be avoided to prevent automatic refusals by the bank’s risk monitoring.
Furthermore, the adhesion process begins with the selection of the card on the RBC electronic portal. The candidate fills out an encrypted form informing personal data and gross annual income.
If a humanized support is preferred, the bank provides contracting through an exclusive telephone channel at 1-800-769-2511.
The digital processing by TransUnion takes about 60 seconds to issue the response under normal conditions.
With the approval and receipt of the physical card, the customer logs in to the bank’s digital channels to finalize the definitive entry into the Avion Rewards program.
The card activation must be done through the mobile application or internet banking to start the counting of the deadlines for the consumption goals of the welcome bonus.
TransUnion processes the response in about 60 seconds. After receiving the card, the cardholder accesses the digital bank to activate the Avion Rewards program.
Finally, the application or internet banking is used to start accumulating consumption goals.
Conclusion
The analyzed cards offer a highly attractive and predictable reward structure through fixed points tables for flight redemptions, in addition to comprehensive travel insurance and valuable daily partnerships.
The ideal choice among the Platinum, Infinite, or Infinite Privilege variants depends directly on meeting the formal income requirements and the willingness to bear the annual fees in exchange for accelerated point accumulation.
Evaluate your annual spending volume in Canada and access the Royal Bank of Canada’s official platform to select the model that best meets your travel goals.
Now, if these cards haven’t convinced you enough, we recommend you check out other options, such as the Capital One Venture Credit Card.
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