rbc visa travel coverage

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

• Find a Branch
• Call 1-800-769-2511

Travel Insurance Packages for RBC Clients 1

The most travel protection we offer.

Protect yourself against the widest range of unexpected travel and emergency medical situations.

Get a Quote

Complete coverage in a single package, deluxe package.

Single Trip: Ages 0-74 Multi-Trip: Ages 0-64

For travellers who want the "most coverage" for a trip outside of Canada.

• Unlimited emergency medical 2
• Trip cancellation and interruption 3
• Baggage loss, damage and delay 3
• Flight and travel accidents 3

See More See Less

• Single trip and multi-trip annual plan options Definition opens in new window 4
• 9-, 16- or 30-day trip duration options available for multi-trip annual plan (call for 30-day option)
• No health questions and coverage for stable Definition opens in new window pre-existing medical conditions 5
• Family plan pricing available
• Package Upgrade Rider Definition opens in new window available
• 24-hour worldwide emergency medical assistance

Insurance Documents:

For complete coverage details, limitations and exclusions, see:

• Deluxe Package (Single Trip) Quebec Documents Opens PDF in a new window
• Deluxe Package (Multi-Trip Annual) Quebec Documents Opens PDF in a new window

TravelCare ® Package

Single Trip: Ages 75+ Multi-Trip: Ages 65+

For mature travellers who want the "most coverage" for a trip outside of Canada.

• Pre-existing conditions may be covered depending on the TravelCare Category Definition opens in new window for which you qualify 6
• TravelCare Package (Single Trip) Quebec Documents Opens PDF in a new window
• TravelCare Package (Multi-Trip Annual) Quebec Documents Opens PDF in a new window

Non-Medical Package

For travellers who don't need emergency medical coverage for a trip outside of Canada.

• Non-Medical Package Opens PDF in a new window
• Non-Medical Package Quebec Documents Opens PDF in a new window

Travel within Canada Package

For travellers who want our best coverage for a trip within Canada only.

• Package Upgrade Rider available
• Travel Within Canada Package Opens PDF in a new window
• Travel Within Canada Package Quebec Documents Opens PDF in a new window

Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre.

Have an RBC Royal Bank credit card with travel coverage?

If you’re using an RBC Royal Bank credit card to pay for your trip in full, see if your card provides enough coverage for your trip.

See If My Card Covers Me

View Legal Disclaimers Hide Legal Disclaimers

Travel HealthProtector Has Been Replaced with New and Improved Coverage!

On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup.

RBC clients 1 can now enjoy:

• More choice, including robust travel insurance packages and travel medical plans
• Trip cancellation and interruption insurance as part of a package or stand-alone plan
• A shorter and simpler medical questionnaire (for clients age 65 and older vs. age 60 and older)

1) RBC client is defined as a client of the RBC Companies or a spouse or child(ren) of a client.

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RBC Avion Visa Infinite Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

RBC Avion Visa Infinite Review 2023: Is It Worth It?

NerdWallet CA

Good for travellers who collect Avion points.

With this card, you can earn one Avion point for every CAD spent, and enjoy perks like 12 months free Doordash deliveries.  Learn more about our star rating methodology.

The RBC Avion Visa Infinite card offers new cardholders up to 55,000 Avion Points. There are no spending categories to keep track of; cardholders earn one Avion point on all purchases and 1.25 points on eligible travel purchases. However, the card’s $60,000 minimum income requirement and $120 annual fee may be high for some applicants.

RBC Avion Visa Infinite

• Annual Fee $120
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-1.25x Points Earn 1.25x Avion points on eligible travel-related purchases and 1x on everything else.
• Intro Offer Up to 55,000 Points Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months1. Apply by April 30, 2024.
• Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
• Get access to RBC offers which provides access to earn points faster at specified brands.
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family.
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid.
• Get $0 delivery fees for 12 months from DoorDash¹⁷ – Add your eligible RBC credit card to your DoorDash account to:
• Get a 12-month complimentary DashPass subscription± – a value of almost $120.
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
• Full review
• Customer ratings
• Eligibility
• How to apply

RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite

• Rating methodology

RBC Avion Visa Infinite full review

The RBC Avion Visa Infinite card is one of six personal credit cards from the Royal Bank of Canada that offers Avion points — a loyalty program specific to RBC. You can spend Avion points on a range of products like flights, electronics, investments and more. The company’s Visa Infinite card is among the more expensive of RBC’s personal Avion credit cards. 

Benefits of the RBC Avion Visa Infinite card

• 35,000 Avion Points upon approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by Apr. 30, 2024.
• No seat restrictions or blackouts when you book travel using Avion points.  
• Free Doordash deliveries for 12 months. (Must activate before Jan. 1, 2024).
• Discounts and additional Avion points available when you rent with Hertz, or link the card to a Petro-Canada card. 

Drawbacks of the RBC Avion Visa Infinite card

• Minimum income requirement of $60,000 ($100,000 for household).
• No airport lounge access. 
• RBC has low Trustpilot and BBB ratings. 

Who should get the RBC Avion Visa Infinite card?

You may want to get the RBC Avion Visa Infinite card if you:

• Want to collect Avion points on all purchases.
• Have a Be Well or Petro-Canada card and want to take advantage of extra discounts. 
• Use Hertz or Doordash and want to take advantage of the card’s free delivery offer and rental car discounts.

Is RBC Avion Visa Infinite worth it?

If you want a card that offers consistent Avion points across all purchases the RBC Avion Visa Infinite may be right for you. However, the high income requirement, lack of airport lounge access and an average earn rate that’s lower than other RBC credit cards may reduce this card’s value for some people. 

Our Nerd’s verdict: A mid-tier travel card with flexible rewards

The RBC Avion Visa Infinite touts itself as a premium travel card, but I’m not sure I agree. Premium cards in this category offer complimentary airport lounge access, annual travel credits and NEXUS fee rebates, to name a few — all of which the RBC Avion Visa Infinite is missing. That said, I think the RBC Avion Visa Infinite Card is a fine choice for Canadians on the hunt for a well-rounded rewards card. You can earn up to 1.25 Avion points per $1 spent, and the card offers fuel discounts at Petro-Canada, Hertz rental discounts and insurance coverage that includes trip cancellation, trip interruption and emergency medical coverage. Overall, the card will appeal to those who want to collect rewards with diverse redemption options and travellers seeking the peace of mind provided by a card with travel insurance.  — Shannon Terrell

RBC customer ratings

• Below average in customer satisfaction: RBC ranks 8 out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Low Trustpilot rating: 1.2 out of 5 possible stars based on over 1,000 customer reviews, as of this writing.
• Low Better Business Bureau rating: 1.2 out of 5 possible stars based on over 130 customer reviews, as of this writing. RBC is not accredited by the BBB itself.

RBC Avion Visa Infinite eligibility

Who qualifies for the rbc avion visa infinite card.

To qualify for the RBC Avion Visa Infinite card, you must earn a gross income of at least $60,000 ($100,000 per household) or have a minimum of $250,000 investable assets. 

In general, you must be at least the age of majority and a resident of Canada to qualify, unless otherwise stated by the card issuer. 

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. What we do know is that higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

» MORE: How to Check Your Credit Score

RBC Avion Visa Infinite rewards

Earn 35,000 Avion points when you’re approved for the RBC Avion Visa Infinite card and 20,000 bonus points when you spend $5,000 in your first 6 months (must apply by April 30, 2024).

You could save up to $1,100 on flights. The card’s 35,000 welcome points can be used to purchase a long-haul return flight to eligible destinations with a maximum ticket price of $1,100.

• Earn 1 Avion point for every CAD spent on all purchases. 
• Earn 1.25x Avion points on eligible travel purchases. 
• Earn 1.20x Avion points on eligible Petro-Canada purchases. 
• Earn 3x Avion points on eligible Hertz purchases. 

How to apply for the RBC Avion Visa Infinite card

• Click the Apply Now and then the Get Started buttons on the RBC Avion Visa Infinite web page.
• Confirm if you are an existing RBC customer or not. Sign in if you are an existing customer for a faster application process. 
• If you are not an existing member, review the card’s terms and conditions and click Continue. 
• Enter your personal details, such as full name, email, date of birth and address.
• Enter any employment or financial information requested. 
• Review and submit your application.

Both cards have similar income requirements, but have different loyalty programs and earn rates.

Reasons you might want a different card

If you’re looking for a rewards card outside of the Avion points program, that has higher earn rates and offers airport lounge access, you may want to look elsewhere. 

RBC Avion Visa Infinite facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in  our evaluation methodology  include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Frequently asked questions about RBC Avion Visa Infinite

No. RBC Avion Visa Infinite does not offer access to airport lounges. The bank’s higher-tiered card (RBC Avion Visa Infinite Privilege) does offer lounge access.

You must have a minimum gross income of $60,000 ($100,000 for the household) or at least $250,000 of investable assets to be eligible for this card.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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RBC Avion Visa Infinite Review 2024: A Flexible Travel Credit Card With No Blackout Dates

Updated: Mar 12, 2024, 3:44am

Fact Checked

A straightforward credit card with a flexible travel rewards redemption schedule, especially since you can use Avion points for travel with any airline around the world with no blackout dates. However, given the high income requirements and annual fee, the base earn rate is low, the only accelerated earn rate is for travel purchases and the other benefits and features are limited to certain kinds of travel insurance.

• Earn points on every dollar spent
• Earn 1.25 points for every dollar spent on eligible travel purchases
• No blackouts or seat restrictions when using points for flights
• High annual fee
• Requires a minimum personal income of $60,000  or a minimum household income of $100,000.
• Imposes higher acceptance cost on merchants, so might not be accepted at their discretion.

Table of Contents

Introduction, quick facts, rbc avion visa infinite rewards, rbc avion visa infinite benefits, how the rbc avion visa infinite stacks up, methodology, is the rbc avion visa infinite right for you.

• Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by April 30, 2024.
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Earn $0.03 per litre of fuel at Petro Canada and 20% more Petro-Points and Avion points when you link your card
•   †Terms and conditions apply. Refer to the RBC website for up-to-date offer terms and conditions.

Apply for the RBC Avion Visa Infinite Card — A flexible travel card with no blackout dates

On RBC’s Website

The RBC Avion Visa Infinite card is pretty basic in the grand scope of the Canadian travel credit card landscape. The regular earn rate is low (at 1 point for every dollar spent) and the only accelerated category is eligible travel, which will earn you 25% more. Perks and benefits are also limited to a few types of travel insurance. Considering the annual fee is $120 and you need a minimum personal income of $60,000 to qualify, the RBC Avion Visa Infinite is lacking compared to other travel credit cards at this price point.

That being said, it’s not a bad card. You can get some pretty decent deals from the flight redemption schedule. Plus, the fact that you can use Avion points for any airline in the world with no blackouts or seat restrictions is also beneficial.

• Earn Avion points on every purchase at a rate of 1 point per dollar spent and 1.25 points per dollar spent on eligible travel.
• Points do not expire and can be redeemed towards travel with any airline with no blackout periods or seat restrictions.
• Cardholders can benefit from increased rewards with participating programs at Petro-Canada and Rexall when they link their card.

Earning rewards

Cardholders will earn Avion points on every dollar spent and at a slightly accelerated rate for eligible travel purchases. Aside from travel, there are no accelerated categories, however, there are also no earning caps or limits on how many points you can earn with this credit card.

Redeeming Rewards

Avion points can be redeemed online at avionrewards.com or via the RBC Avion app. As this is a travel credit card, your Avion points will have the best value when redeemed towards flights with the RBC Avion redemption schedule (a rate of $0.02-$0.0233). You can also redeem them through the RBC travel portal at a rate of $0.01 per point. You can also transfer Avion points to Westjet, British Airways and American Airlines. RBC Avion points can also be used for merchandise and gift cards, or they can be put towards your credit card statement or donated to charity.

Rewards Potential

While the flexible redemption schedule for RBC Avion points is great, the earn rates and rewards potential is lacking compared to similar credit cards with high accelerated rates and a strong earning schedule. This means earning points with the RBC Avion Visa Infinite will be slower. That being said, cardholders can still come out ahead. Based on average Canadian spending, Forbes Advisor estimates this card could earn $178.72 in rewards value per year after the annual fee.

• $0 delivery fees from DoorDash for 12 months
• Visa Infinite benefits
• Earn 50 Be Well Points for every $1 spent on eligible purchases at Rexall Pharmacies
• RBC Visa Avion benefits

Interest Rates

• Regular APR: 20.99%
• Cash Advance:  22.99%
• Balance Transfer: 22.99%
• Foreign Transaction Fee: 2.5%
• Balance Transfer Fee: 3% of transaction amount
• Annual Fee: $120
• Any Other Fees: additional card: $50, dishonoured payment: $45, overlimit fee: $29 (does not apply in Quebec)

RBC Avion Visa Infinite vs. TD® Aeroplan® Visa Platinum* Card

The TD® Aeroplan® Visa Platinum* Card comes with an $89 annual fee and also earns rewards at a rate of 1 point per dollar spent. While there are no accelerated categories, Aeroplan members can double dip and earn double the points at participating retailers. This card also comes with comprehensive insurance plus the Aeroplan program, which is one of the top rewards programs in Canada. With similar structures, the TD Aeroplan Visa Platinum Card is likely a better pick since it does have a lower annual rate.

RBC Avion Visa Infinite vs. PC World Elite Mastercard

The PC World Elite Mastercard is a no-annual-fee credit card aimed at individuals who are more interested in earning free  groceries than redeeming points for travel or shopping rewards. Cardholders earn points at a rate of 30 to 45 points per dollar spent at participating PC Optimum rewards brands and 10 points per dollar spent elsewhere. While the PC World Elite Mastercard does come with travel insurance, it’s not a travel card. If you are in the market for a card where the rewards are best for travel, then the RBC Avion Visa Infinite is the better pick.

RBC Avion Visa Infinite vs. CIBC Aeroplan Visa Infinite Card

Another Aeroplan card to compare is the CIBC Aeroplan Visa Infinite Card. At $139 per year, it’s a little pricier than the RBC Avion Visa Infinite card, however, it also has higher earn rates of 1.5 points per dollar spent on gas, groceries, Air Canada travel and electric vehicle charging. All other purchases earn 1 point per dollar spent. Since it is an Aeroplan card, you can also double dip with Aeroplan partners allowing you to earn even faster. It is a little bit more expensive, but the earning and rewards potential is also much higher, meaning it is more lucrative as a travel credit card.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, reward rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The RBC Avion Visa Infinite card is attractive thanks to the fact that you can earn points across all purchases and the redemption schedule for flights is incredibly flexible. That said, it will be slow going earning points with the majority of purchases at the lower earn rates for this credit card. Plus, perks and benefits outside of travel insurance are lacking. If you are a frequent traveller and are really looking to get into maximizing points and rewards, it may not be the best option for you.

Related : Rounded up the best credit cards

Frequently Asked Questions (FAQs)

What are the benefits of rbc avion visa infinite.

The RBC Avion Visa Infinite allows you to earn points on all purchases without having to worry about a spending cap. Points can be redeemed for merchandise, gift cards, travel and more with travel being the most lucrative option.

What is the minimum income for RBC Avion Visa Infinite?

Eligible candidates will need to have a minimum personal income of $60,000 or a household income of $100,000 to qualify for this credit card.

Does RBC Avion Visa Infinite have lounge access?

No, the RBC Avion Visa Infinite credit card does not offer any type of lounge access to cardholders.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

Most Recent

• $120 annual fee
• 35,000 Avion points on approval
• 20,000 Bonus points when you spend $5,000 in the first 6 months
• Earn 1.25 Avion points for every $1 spent on travel purchases
• Earn 1 Avion point per $1 on all other purchases
• Comprehensive travel insurance
• Mobile device insurance up to $1,500

Welcome bonus and earn rate

What’s fascinating about the RBC Avion Visa Infinite Card is that you get 35,000 Avion Rewards points on approval . Unlike other cards, there’s no minimum spend required to get your points. Occasionally, there’s an enhanced welcome bonus where you can earn an additional 15,000 – 20,000 points. The welcome offer will typically appear on your first statement, but it can take up to two statements to show up.

The earn rate of 1.25 Avion points for every dollar spent on travel and 1 point for every $1 spent on all other purchases . Admittedly, there are many credit cards out there, but Avion Rewards has a lot of value (more on that below).

Benefits and perks

Even though the RBC Avion Visa Infinite Card doesn’t often make the list of the best travel credit cards in Canada, you shouldn’t sleep on it. It has a few interesting and unique benefits that will interest many people.

Petro-Canada discounts

When you link your RBC Avion Visa Infinite Card to your Petro-Points card, you’ll save 3 ¢/L on gas with every fill-up and get 20% more Petro-Points.

Earn Be Well points at Rexall

Linking your RBC Avion Visa Infinite to your Rexall Be Well account allows you to earn 50 Be Well points per $1 spent on eligible purchases at Rexall.

$0 delivery fees with DoorDash

As an RBC Avion Visa Infinite cardholder, you get a free DashPass subscription for 12 months. This entitles you free delivery on orders of $15 or more with DoorDash and additional discounts throughout the year.

Mobile device insurance

When you purchase a mobile device (cellphone or tablet) with your RBC Avion Visa Infinite card, you’re entitled to up to $1,500 in mobile device insurance. This applies to loss, theft, and damage. That said, a depreciation rate of 2% applies to each completed month from the time of purchase.

Travel insurance

• Travel medical – unlimited for 15 days / 3 days if you’re 65 or older
• Trip cancellation – up to $1,500 per person / $5,000 total
• Trip interruption – up to $5,000 per person / $25,000 total
• Flight/trip delay – up to $250 / 4 hours
• Delayed and lost baggage – up to $500 / 4 hours
• Auto rental collision/loss damage – 48 consecutive days / $65,000
• Hotel/motel burglary – $2,500
• Common carrier travel accident – $500,000

Interestingly enough, the RBC Avion Visa Infinite travel insurance is some of the best out there since you get unlimited medical protection. However, the card doesn’t get nearly as much attention as other cards since you’re only covered for 15 days if you’re under the age of 65.

Purchase protection

• Purchase security – 90 days
• Extended warranty – Up to one additional year

When you pay for your purchase in full with your RBC Avion Visa Infinite Card, you get purchase protection for 90 days. This covers your purchases from loss, theft, and damage. In addition, your manufacturer’s warranty is doubled up to one additional year.

How to redeem your points

Avion Rewards , formerly known as RBC Rewards, allows you to redeem 1,000 Avion points for $10 in travel booked through their travel portal. Like other bank travel portals, you’ll find almost every type of travel available, including flights, hotels, car rentals, cruises, and more. The downside is that you can’t book travel outside the portal and apply your points later. That means you can’t shop for the lowest prices or take advantage of status benefits.

On a positive note, you can double the value of your points by using the RBC fixed points program . For example, you can claim 15,000 Avion Rewards points for a round-trip flight within or to an adjacent province or U.S. state with a base ticket value of up to $350. If you maximized this option, your points would now be worth 2.33 cents each, more than double the regular rate.

Avion Rewards also allows you to convert your Avion points to British Airways Avios, Cathay Pacific Asia Miles, WestJet dollars and American Airlines AAdvantage miles. Because of the airline transfer partners, the RBC Avion Visa Infinite Card is one of the best airline credit cards in Canada.

As you can imagine, RBC Rewards is one of the best bank travel loyalty programs in Canada .

RBC Avion Visa Infinite eligibility

The RBC Avion Visa Infinite eligibility is straightforward, as it outlines what’s required on the application page.

• You must be a resident of Canada
• You must be at least the age of majority in the province or territory in which you reside
• You must have a minimum personal income of $60,000 or a household income of $100,000.

Like other credit card providers, no formal credit score requirement is listed. That said, you likely want your credit score to be 660 or higher since that would put you in at least good standing.

How the RBC Avion Visa Infinite compares

Finding comparable cards to the RBC Avion Visa Infinite can be a bit tricky since other cards are popular for different reasons. Some people will focus on the earn rate, while others will look at the flexibility of the points.

RBC Avion Visa Infinite vs. American Express Cobalt

Using the American Express Cobalt Card as a comparable is necessary since it has the highest earning rate in Canada with 5 points per $1 spent on eats and drinks, 3 points per $1 spent on streaming services and recurring bills, 2 points per $1 spent on travel and transit, and 1 point per dollar spent on everything else. Simply put, there’s no comparison. In addition, American Express Membership Rewards is more flexible than Avion Rewards.

RBC Avion Visa Infinite vs. TD First Class Travel Visa Infinite

The   TD First Class Travel Visa Infinite Card gives you 3 points per $1 spent (1.5% value) on all your purchases except those made via Expedia for TD, which gives you 9 points per $1 spent or a 4.5% return. Clearly, the TD card has a higher earn rate compared to the RBC Avion Visa Infinite . However, TD Rewards aren’t nearly as flexible.

Although I like the RBC Avion cards and Avion Rewards, there are many cards out there with a much higher earning rate.

Final thoughts

My RBC Avion Visa Infinite review is positive. Although the card doesn’t have the best earning rate, it’s a good card overall and is ideal for people in the following situations:

• You bank with RBC – This is RBC’s flagship credit card that earns you Avion Rewards.
• You want flexible points – You can book any travel found on the travel portal, through the fixed points program, or you can transfer your points to select partners.
• You shop at Rexall regularly – When you link your card, you can earn Be Well points at Rexall.

In the end, RBC is one of the most flexible travel loyalty programs in Canada. If you’re looking to build your credit and travel for less, then the RBC Avion Visa Infinite Card is worth considering.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

Regarding your comments about the “INSURANCE BENIFITS”, I am Sorry but from my experience with over 20 years as a “RBC Visa Infinite Avion” card holder you are totally wrong.

My experience dealing with “the insurance” for the first and only time has been nothing but STRESSFUL and MONTHS of delays and EXTREMELY slow response times only to be told that I am not covered for a reimbursement of a “Airline Cancelled” flight.

The insurance benefits I’ve listed are accurate. However, every insurance policy has different rules in place when it comes to making a claim.

A topic not discussed is that RBC Avion charges on average over 2 percent more on US purchases over 3 of my other credit cards. Very dissapointing to say the least for using my card for foreign travel.

RBC cards charge the standard 2.5% FX fee. This is standard with many credit cards in Canada. Here’s a list of cards that don’t charge FX fees – https://www.moneywehave.com/the-best-no-foreign-transaction-fee-credit-cards-in-canada/

You mention the TD card is effectively 1.5% reward value for every day spending and book your own way travel, but i beleive TD changed their redemption rates slightly a few years back to a tiered scale where redemptions under $1200 are charged at one rate and above $1200 (in the same redemption transaction) are charged at a the better, original redemption rate. I beleive it is 250 points per dollar below $1200 and 200 points per dollar above $1200. Wouldn’t this mean 200/$1, I’d spend $200 for 600 points, then redeem 600 points for $3, which is 1.5%. but if i was under the threshold I’d instead spend $500 for 1500 points, then redeem 1500 points at 250:1 for $6, which works out to 1.167%. so your redemption rate is a sliding scale between 1.167% and 1.5% depending on how long you save points to redeem in a large transaction. Can you confirm your understanding and my math and perhaps do an updated comparison? TD still is a better “raw return rate” but the gap is smaller to the improved partner options RBC has.

I made a comment earlier that wasn’t entirely clear. So the 1.5% return on every day spending assumes you’re using your points on Expedia for TD. As for the sliding scale, the way I read it is that any redemption under $1,200 is 250 TD points for $1 and then 200 point for $1 for anything that costs $1201+. However, that lower redemption rate doesn’t apply for the full amount. It appears the first $1,200 will always be 250 points for $1. So if your purchase is $1,300, only $100 will be 200 points for $1.

So yes, your return when using Book any kind of travel is 1.2% – 1.5%.

As for how it compares to others, Scene+ and American Express Membership Rewards are better since it allows you to redeem your points on any type of travel purchases with no devaluation to your points.

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Important travel updates and what you need to know

Last Updated: June 27, 2023

Attention: Important Travel Updates

To get the most recent update on your flight status, visit the website of the airline you are travelling with. You’ll need your booking reference number (airline confirmation) on your itinerary to access your flight information.

If you’d like to manage or change your existing booking, please log into Avion Rewards Travel . Once you are in the travel portal click the blue “Help” button at the bottom right corner to make changes or cancel your booking.To cancel or change your trip details:

• Go to Avion Rewards Travel
• Select "My Trips" in the top right corner
• Select your upcoming trip and click “Manage booking”
• Choose “Cancel Flight”, “Change Flight”, or “Change Reservation” and follow the instructions
• To book new travel using Avion points

To book a new flight using an airline travel credit

Airline travel credit rules to remember, insurance policies, cwt vacations update, rbc avion visa infinite privilege for private banking cardholders: new travel advisor service details, to book new travel using avion points:.

Book through Avion Rewards Travel or contact the Avion Rewards Travel Call Centre at 1-877-636-2870 (additional service fees apply).

If you have an airline credit due to a flight cancellation that you’d like to use, contact the Avion Rewards Travel Call Centre at 1-877-636-2870.

Be sure to have the following ready when you call:

• Itinerary number of the original booking
• Travel credit amount
• Traveller name(s)
• Details of your new flight options, including flight numbers for your preferred outbound and/or inbound flights
• Each airline sets their own policy for how you can redeem your credit
• If you use an airline travel credit for a ticket to a destination in a different jurisdiction or region than the original booking, you may incur additional taxes and fees. Applying the credit to a new set of taxes and fees vary based on airline policy. Our agents can’t waive them.
• Some airlines may require you to use the entire credit value at once to receive the full value. Please contact Avion Rewards Travel Call Centre at 1-877-636-2870 for more information
• Airline credits (including taxes and fees) can only be used for air travel with the airline you originally booked with. They cannot be used for other services such as checked bags, upgrades, etc.
• Each airline credit is in the original traveller’s name; you can’t combine airline credits or transfer them to another person
• Airline credits have a travel-by date (sometimes called credit validity)
• When planning to travel, please check your airline’s website for possible changes to your flight experience and any new passenger requirements. Many airlines are making temporary changes to prioritize traveller safety

For credit card insurance coverage, refer to your travel insurance policy/certificate for further details. For other travel insurance, please contact your travel provider directly.

Trip Cancellation and Interruption insurance coverage included with your RBC credit card provides coverage for trips that are paid in full with your RBC credit card (and/or Avion points). Trips booked using a travel credit/voucher are not covered, even if originally purchased on your RBC credit card. Please consider your options, such as purchasing travel insurance when using a travel credit/voucher. If you require assistance or have questions about your coverage, please contact Assured Assistance Inc .

Effective July 31, 2022, you are no longer able to redeem your Avion Points at CWT Vacations locations.

Please contact the location where you originally booked your travel unless otherwise advised. Please refer to the travel advisor contact information on the invoice or email provided to you when you made your original reservation.

CWT Harvey’s Travel will service your existing CWT Vacations’ booking. You can contact CWT Harvey’s Travel by calling at the same number (1-866-926-4070).

Your new travel advisor service is provided by Avion Rewards Travel Concierge for Private Banking . To book travel, call 1-888-ROYAL 8-5, choose a language, select Travel (option 2), then select Travel Concierge for Private Banking (option 2).

Making changes to existing bookings with CWT Vacations

CWT Vacations will continue to service existing bookings. You can contact CWT Vacations at 1-888-ROYAL 8-5, select language and option 2 and 3.

RBC Emails : Please know that RBC will never ask you to provide, confirm or verify personal, login or account information through regular email, text message, phone calls or when signing into an online service. Please disregard any emails or text messages requesting that you reply with confidential information. If you have received a suspicious message from RBC, please forward it to [email protected] .

Supporting Clients Impacted by COVID-19

We remain committed to keeping you informed about actions we’re taking, to support you during this time. Get important information on the support and assistance RBC has made available to help you as we focus on keeping clients and employees safe during this difficult time.

Trip Cancellation and Interruption Insurance

Things don't always go as planned.

Protect your travel investment—just in case your trip gets cancelled or interrupted.

Get a Quote

Financial protection for your trip expenses.

Have you bought an airline ticket or made a non-refundable and/or non-transferable hotel deposit? Protect your purchase with trip cancellation and interruption insurance. This coverage protects you financially in case you get sick or an unexpected event forces you to cancel your trip, come home early or delay your return home. Here’s how it can help:

Before Departure Disclaimer 1

Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.

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Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Other Expenses Disclaimer 1

Out of Pocket expenses reimburses you for extra expenses like a hotel, meals, taxi fares (ride sharing, or rental car in lieu of taxi fares)and more if a covered situation happens.

Do you need medical coverage, too?

Consider a travel insurance package instead if you think you may need coverage for emergency medical expenses and other situations. All of our packages include trip cancellation and interruption insurance.

Make sure you have the right travel insurance—get an online quote or talk to a licensed insurance advisor.

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RBC® Avion Visa Infinite†

Best offer is available until April 30, 2024

Signup bonus:, annual fee:, interest rates:, earning rate:.

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a record-high welcome bonus with a lengthy time window to meet the minimum spending requirement.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of up to 55,000 RBC Avion points † for new cardholders, which are awarded as follows:

• Earn 35,000 Avion points upon approval †
• Earn 20,000 Avion points upon spending $5,000 in the first six months †

The card has an annual fee of $120 † . If you have an RBC ® VIP Banking Account , you’ll be able to get a fee waiver on one of RBC ® ‘s premium credit cards, including this one.

You have until April 30, 2024 to apply for this offer.

Earning Rewards

The RBC ® Avion Visa Infinite † offers the following earning rates:

• 1.25 RBC Avion points per dollar spent † on qualifying travel purchases
• 1 RBC Avion point per dollar spent † on all other qualifying purchases

Redeeming Rewards

There are a variety of ways to redeem RBC Avion points for a high value.

As a transferable currency, RBC Avion points can be converted into British Airways Executive Club† and Cathay Pacific Asia Miles† at a 1:1 ratio, WestJet Rewards† at a 100:1 ratio, as well as American Airlines AAdvantage† at a 1:0.7 ratio.

Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.

Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.

These can be some of highest value uses of RBC Avion points. If you signed up via the current offer for 55,000 Avion points, for example, and transferred the points over to Avios during a 30% promotion, you’d get 71,500 Avios — good for a number of short-haul flights, a one-way flight in Qatar Airways Qsuites from North America to Doha, or enough to make solid progress towards a multi-carrier ticket .

You can also redeem via the Air Travel Redemption Schedule † , which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point † .

Perks & Benefits

The RBC ® Avion Visa Infinite † includes a host of interesting benefits, including 12 months of free DashPass from DoorDash as part of the wider partnership between RBC and DoorDash † .

It also includes a 3¢/L saving on fuel at Petro-Canada † , along with earning 20% more Petro-Points and RBC Avion points upon using your card to pay † .

Furthermore, RBC Avion cardholders can save 20% at Hertz † , as well as earn 2x the points if using your card † .

Finally, you can earn 50 Be Well points for every $1 spent on eligible products at Rexall † , as well as an improved redeeming ratio of 25,000 Be Well points = $10.

Insurance Coverage

The RBC ® Avion Visa Infinite † comes with pretty strong protection, as would be expected for a premium credit card:

Emergency medical insurance † for the first 15 days of any out-of-province trips for travellers under the age of 65 or the first three days for those 65 and up

Travel accident insurance † , covering death or dismemberment, of up to $500,000

Car rental collision/loss damage insurance † , which allows you to save on the daily insurance charged by car rental companies for vehicles up to a MSRP of $65,000

Trip cancellation insurance † of up to $5,000 and trip interruption insurance † of up to $25,000

Flight delay insurance † of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme †  in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty †  feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Historical Offers

Legal disclaimers.

† Terms and conditions apply. Refer to the RBC website for up-to-date offer terms and conditions.

† This website contains affiliate links. Please read our disclaimer for more info.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Refer to RBC® page for up to date offer terms and conditions.

Travel Advisory: Coronavirus (COVID-19)

Coronavirus (covid-19) update:.

The safety of our clients is our top priority and we are taking every measure to support you as quickly as possible. Due to extremely high call volumes at our Avion Rewards Call Centre, clients are experiencing long wait times. During this time, we ask that:

• If you are not traveling within the next 72 hours , please consider calling at a later time
• If you are not traveling in the month of March, please call back starting the week of March 23

We are committed to providing you with regular updates and information as they become available. Please find below key information that may address some of your questions.

How do I change my booking made using Avion Rewards?

We understand that many clients are trying to change bookings made through Avion Rewards. If you are traveling within the next 72 hours, please call the Advice Centre and select the Rewards Option. We are doing our very best to support these requests and appreciate your patience. If you are not traveling within the next 72 hours, please consider calling at a later time.

If this is an emergency and you must return to your original destination, please consider the following:

• Visit the Avion Rewards Caribbean online booking tool to book a new trip using your credit card. This will ensure you can resume your travel safely and confidently. Please call Avion Rewards Caribbean by calling the Advice Centre and selecting the Rewards Option thereafter to cancel your previous booking.

What are the Change and Cancellation Policies I can expect?

Clients are to contact their travel provider who made the original booking. For clients who made their original booking using their Avion points, please refer to the previous section entitled “How do I change my booking made using Avion Rewards”. All other clients are to contact their travel provider who made their original booking in order to facilitate changes of cancellations.

Avion Rewards is committed to providing assistance in facilitating changes or cancellations to travel bookings for our clients. However, travel providers have specific policies around changes fees, changes and cancellations so it is important to review their specific policies. We encourage you to review your travel provider policy first and here are a few links to some airlines:

• American Airlines
• British Airways
• Caribbean Airlines
• Cayman Airlines
• Copa Airlines
• Delta Airlines
• Southwest Airlines

Please note: All requests are subject to specific travel provider rules and fees

What about travel insurance?

We understand that you may have insurance related questions about your travel plans due to the outbreak of  COVID-19.

We encourage clients to:

• Refer to their travel insurance policy/certificate, and
• Contact their travel insurance provider
• RBC clients that have applicable travel insurance coverage on their RBC credit card should visit www.visa.com/benefitsportal for more information. RBC clients with other travel insurance should contact their travel insurance providers directly.

Note: All insurance providers are experiencing high-call volumes and clients may experience longer wait times due to this global situation.

The health and well-being of our clients and our employees is of the utmost importance to us at RBC. We appreciate your patience as we work to support you through this time.