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RBC Avion Visa Infinite Privilege Review
The RBC Avion Visa Infinite Privilege Card is a strong premium travel credit card for travel redemptions, coverage, and commendable airport lounge access.
Apr 23, 2026 6:58 AM
Written By
Lead Writer
Edited By
Credit Card Expert
Reviewed By
Credit Card Expert
The Bottom Line
If you redeem your RBC Avion (Elite) Rewards points towards the fixed point travel program, plus take advantage of all the travel coverage and airport perks, then the RBC Avion Visa Infinite Privilege Card is a solid contender, as long as you meet its high annual income requirements.
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Our choice for: Premium Avion Card with complimentary lounge passes
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Welcome Bonus
Up to 70,000 Avion points*
Annual Fee
$399
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
Insurance
Coverage
Purchase Protection
120 days
Extended Warranty
Up to 2 years
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
31 daysTravel Medical Insurance (65 to 75)
7 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Hotel Burglary Insurance
$3,000
Baggage Delay
$750
Lost or Stolen Baggage
$2,500Flight Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year.svg)
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall.svg)
Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
$200,000 personal or $200,000 household
Welcome Bonus Details
- Earn up to 70,000 Avion points*
- 35,000 Avion Points on approval*
- 20,000 bonus points when you spend $5,000 in your first 6 months*
- 15,000 one-time anniversary bonus points after 12 months of account opening*
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%□
Balance Transfer APR
22.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Fees
Annual Fee
$399
Additional Cards
$99
Eligibility
Minimum Individual Income
$200,000
Minimum Household Income
$200,000
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- High value travel points
- Extensive Coverage
- Airport perks
- Flexible rewards
- Airport lounge access
Cons
- Higher annual fee
- High income requirements
- Relatively lower rewards
- Limited redemption options
Our Detailed Review
How to Earn Rewards with the RBC Avion Visa Infinite Privilege Card
Earning rewards with the RBC Avion Visa Infinite Privilege Card is pretty straightforward. Cardholders can expect 1.25x Avion points per $1 spent on all eligible purchases.
How to Redeem Rewards with the RBC Avion Visa Infinite Privilege Card
Once you've earned enough RBC Avion (Elite) Rewards points, you can redeem them towards the following categories (ranked from most valuable to least valuable):
- Fixed Point Travel Program
- Transfer to Airline Partners
- Travel
- Donations
- Financial Products
- Gift Cards
- Merchandise
- Statement Credits (Cash)
To learn more about this loyalty program and each redemption category, check out our Credit Card Points Value Calculator.
Benefits and Perks
7 Benefits of the RBC Avion Visa Infinite Privilege Card
There are several perks that make the RBC Avion Visa Infinite Privilege Card one of the top RBC credit cards in Canada.
For starters, the RBC Avion Visa Infinite Privilege Card boasts a generous welcome bonus of extra Avion (Elite) Rewards points upon approval, when certain spending thresholds are met, and when you hit your first account-opening anniversary.
As mentioned, RBC Avion (Elite) Rewards points are most valuable when redeemed towards the fixed point travel program, followed by transfers to airline partners and general travel.
The RBC Avion Visa Infinite Privilege Card comes with tons of coverage, including trip interruption and trip cancellation insurance, travel medical insurance, hotel burglary insurance, and more.
There are plenty of ways the RBC Avion Visa Infinite Privilege Card pampers you at the airport. Card holders can expect priority travel perks, including access to the airport security fast track lane and dedicated airport parking at select Canadian airports. The real pull, however, are the complimentary airport lounge visits, courtesy of Dragon Pass, making the RBC Avion Visa Infinite Privilege Card one of the best lounge credit cards in Canada.
Cardholders can also expect a couple of discounts, such as gas discounts on fuel at Petro-Canada and a 12-month complimentary DashPass subscription.
Collect more Petro-Points and Avion points at Petro-Canada, plus pocket bonus Be Well points on eligible Rexall purchases.
To book your next trip, secure an exclusive restaurant reservation or snag the perfect gift, call Visa's complimentary 24/7 concierge services.
Drawbacks and Considerations
3 Downsides to the RBC Avion Visa Infinite Privilege Card
As with any credit card, there are a few drawbacks to consider before submitting an application.
The most obvious obstacle when it comes to the RBC Avion Visa Infinite Privilege Card is the high annual fee, making it less affordable for budget-conscious cardholders. That said, if you intend to use the card's perks, points, and coverage categories to their full-potential, you can effectively offset the yearly cost.
In addition to the high annual fee, the RBC Avion Visa Infinite Privilege Card also comes with some hefty annual income requirements, making it inaccessible to many applicants.
While there are a few valuable ways to redeem your RBC Avion (Elite) Rewards points towards travel, you don't earn that many points on all eligible purchases.
Compare to Similar Cards
Since the RBC Avion Visa Infinite Privilege Card is one of the top lounge credit cards, in this section, we're going to compare it against other lounge-access premium travel credit cards in Canada.
American Express
4.7
Best premium card for Air Canada frequent travellers
Scotiabank
4.5
Best Travel Value with Extremely High Travel Insurance
American Express
4.6
Travel Perks, Luxurious Travel, and Unlimited Lounge Access
Annual Fee
$399
$599
$599
$799
Welcome Bonus
Up to 70,000 Avion points*
Earn up to 85,000 Aeroplan® points
Earn up to 100,000 bonus Scene+ points
Earn up to 100,000 Membership Rewards® points
Rewards
1.25x
1.25x - 3x
1x - 6x
1x - 2x
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
RBC Avion Visa Infinite Privilege Card vs American Express Aeroplan Reserve Card
Frequent Air Canada flyers will appreciate the American Express Aeroplan Reserve Card's impressive Air Canada, dining, and food delivery optimization, making it one of the best Aeroplan credit cards in Canada. While its coverage isn't quite as comprehensive or extensive as the RBC Avion Visa Infinite Privilege Card, it offers tons of extra perks like an annual companion voucher, various status lifts, free first checked bags, and unlimited access to Maple Leaf lounges and Air Canada Cafes. The best part? This card avoids annual income requirements. That said, applicants are expected to pay a high annual fee.
Verdict: The American Express Aeroplan Reserve Card is best suited to Air Canada travellers, offering notable point potential and tons of perks without any income requirements. If you're worried about Amex acceptance, however, you might want to stick with the RBC Avion Visa Infinite Privilege Card.
RBC Avion Visa Infinite Privilege Card vs Scotiabank Passport Visa Infinite Privilege Card
The Scotiabank Passport Visa Infinite Privilege Card collects solid Scene+ points on travel, dining, and entertainment purchases, more than the flat-rate offered by the RBC Avion Visa Infinite Privilege Card. Overall, the coverage between the two cards is similar, with some categories yielding better values than others. When it comes to perks, however, the Scotiabank Passport Visa Infinite Privilege Card provides more lounge access and travel-oriented perks like no foreign transaction fees and an annual Scene+ Travel credit. While the personal annual income requirements of the Scotiabank Passport Visa Infinite Privilege Card are lower, the annual fee is much higher.
Verdict: The Scotiabank Passport Visa Infinite Privilege Card is the superior lounge access credit card with better point potential and travel perks, as long as you can front the higher annual fee.
RBC Avion Visa Infinite Privilege Card vs American Express Platinum Card
Recognized as the best perks credit card in Canada, the American Express Platinum Card earns more points on dining and travel. Amex Membership Rewards points are more flexible and valuable overall, but the coverage on the RBC Avion Visa Infinite Privilege Card is slightly better. When it comes to perks, however, Platinum cardholders receive annual travel and dining credits, unlimited airport lounge access through the American Express Global Lounge Collection, complimentary hotel benefits, and so much more. To account for such luxury, this competitor has one of the highest annual fees in Canada. However, it avoids income requirements completely.
Verdict: For the most premium perks credit cards in Canada, apply for the American Express Platinum Card, just be sure you'll extract enough value to offset the annual fee. If you're concerned about Amex acceptance, you might want to stick with the RBC Avion Visa Infinite Privilege Card.
Frequently Asked Questions
If you intend to take advantage of the fixed point travel program, comprehensive coverage, and various perks provided by the RBC Avion Visa Infinite Privilege Card, then it is certainly worth it.
Currently, the RBC Avion Visa Infinite Privilege Card has both a personal and household annual income requirement of $200,000.
RBC Avion (Elite) Rewards points are the most valuable when redeemed towards travel, specifically the fixed point travel program, followed by transfers to airline partners and general travel.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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