When it comes to luxury travel credit cards, the RBC Avion Visa Infinite Privilege stands out for its exceptional rewards and exclusive benefits. Whether you’re a frequent flyer or someone who values premium perks, this card offers a wide range of features that cater to high-end travelers.
From generous Avion points to premium travel services, it redefines the way you can experience travel. In this guide, we’ll dive into the key features, fees, and benefits of the RBC Avion Visa Infinite Privilege card, providing a comprehensive overview for those considering this luxury credit card option.
Key information about the RBC Avion Visa Infinite Privilege Card
How does the annual fee work?
The RBC Avion Visa Infinite Privilege comes with an annual fee of $399, a reflection of the premium services and rewards it offers. Although this might seem high compared to regular cards, it aligns with the luxury and exclusive benefits provided. The fee can be paid upfront, but unfortunately, there are no options to split it into monthly payments.
However, considering the perks, including travel insurance, lounge access, and more, the cost can easily be offset for those who use the card to its full potential. Each additional card for family members costs $99 per year, allowing you to extend the benefits to others. This aspect is particularly useful for frequent travelers or families looking to maximize rewards.
How is the credit limit determined?
For the RBC Avion Visa Infinite Privilege, the credit limit is determined based on several factors, including your credit score, financial history, and income level. Since this is a premium card, applicants must meet strict income criteria—either a personal income of $200,000 or a household income of the same amount.
Given these requirements, the credit limits assigned are often on the higher end, allowing cardholders to make large purchases while earning significant points. However, the exact limit varies from person to person based on their individual credit profile.
Advantages of the RBC Avion Visa Infinite Privilege
- Generous rewards: Earn 1.25 Avion points for every dollar spent, making it easy to accumulate points quickly.
- Welcome bonus: New cardholders receive up to 70,000 Avion points, which can be redeemed for two roundtrip flights within Canada and the U.S. (some exclusions apply).
- Luxury travel perks: Enjoy global airport lounge access, fast-track lanes at select airports, and dedicated airport parking.
- Flexible redemption options: Use points for flights on any airline, hotels, cruises, or vacation packages, offering more freedom in how you travel.
- Comprehensive insurance: Includes mobile device insurance, trip cancellation/interruption insurance, and emergency medical coverage while traveling.
- Fuel savings: Save 3¢/L on fuel at Petro-Canada and earn 20% more Avion points on fuel purchases.
Standout advantage
One of the standout features of the RBC Avion Visa Infinite Privilege is the airport lounge access and fast-track security services. These perks provide a stress-free travel experience by allowing you to relax in premium lounges before your flight and skip long security lines at select airports. Frequent travelers will find this particularly valuable, making their journey more comfortable and efficient.
Disadvantages
- High annual fee: At $399 per year, it’s not the most affordable option for those who don’t frequently travel or use the perks.
- Strict income requirements: Applicants need to meet the high income criteria, limiting accessibility for many.
- Additional card fees: Each supplementary card comes with a $99 annual fee, adding to the overall cost.
- Higher merchant fees: Some merchants may not accept this card due to its higher transaction fees, which could limit where you can use it.
A standout disadvantage
The $399 annual fee is undoubtedly one of the main drawbacks of this card. While the premium perks justify the cost for frequent travelers, casual users may find it difficult to fully take advantage of the benefits, making the fee feel excessive. It’s important to weigh the value you expect to get from the card against this cost.
Who can apply for this card?
To apply for the RBC Avion Visa Infinite Privilege, applicants must meet several eligibility criteria. First, you need to have a minimum personal income of $200,000 or a household income of the same amount. This high-income requirement ensures that the card is geared towards high-net-worth individuals who are more likely to utilize the premium benefits.
In addition, you must be at least 18 years old and a resident of Canada. A strong credit score is also necessary, as this is a premium card with strict approval guidelines. The card is not available for those with a history of poor credit or bankruptcy. While the application process is straightforward, it’s important to ensure that you meet all the financial criteria before applying.
How to apply for the RBC Avion Visa Infinite Privilege Card
For the website
To apply online, visit the RBC website and navigate to the credit card section. From there, select the RBC Avion Visa Infinite Privilege card, and click on “Apply Now.” You’ll be prompted to enter personal and financial details, such as your income and employment information. After submitting your application, you’ll receive a response within 60 seconds. If approved, the card will be mailed to you, and you can activate it upon receipt.
Through the app
If you prefer applying through the RBC Mobile App, the process is equally seamless. Simply download the app from your smartphone’s app store, sign in to your RBC account, and navigate to the credit cards section.
Once you select the RBC Avion Visa Infinite Privilege card, follow the on-screen instructions to complete your application. The app also provides real-time status updates on your application, so you’ll know if you’ve been approved in minutes.
At the branch
For those who prefer a more personal approach, you can visit your nearest RBC branch to apply for the card. This method allows you to speak directly with a financial advisor, who can assist you through the process and provide insights on how to maximize your card’s benefits.
You’ll need to bring valid identification, proof of income, and any other required documents. Once your application is processed, you’ll be notified of your approval status within a few business days.
