The RBC Avion Visa Infinite Privilege credit card stands out as a premier choice for luxury travelers, offering a myriad of benefits tailored to enhance your travel experience. With the potential to earn up to 70,000 Avion points—a value of up to $1,500—this card can pave the way for unforgettable journeys across Canada and the United States.

Whether you’re looking to explore exotic locales or indulge in weekend getaways, the RBC Avion Visa Infinite Privilege is designed to elevate your travel lifestyle. This card isn’t just about earning points; it’s about the exclusive perks and privileges that come with it.

From extensive travel insurance to access to luxury airport lounges, this credit card provides an all-encompassing suite of benefits. Let’s dive deeper into the key features, advantages, and requirements of the RBC Avion Visa Infinite Privilege to see if it’s the right fit for your travel needs.

Key information about the Credit Card

How does the annual fee work?

The RBC Avion Visa Infinite Privilege comes with an annual fee of $399, which may seem steep but is justified by the extensive benefits it offers. This fee can be paid upfront, or you might have the option to include it in your monthly statements, making it easier to manage your finances. However, the cardholder can benefit from the rewards and privileges that often exceed the cost of the annual fee.

How is the credit limit determined?

For conventional and secured credit cards, RBC typically determines your credit limit based on several factors, including your income, credit history, and overall financial stability. For those who opt for prepaid cards, you hold the reins on your credit limit; it’s determined by the amount you choose to deposit. This flexibility ensures that you have control over your spending and can manage your finances effectively.

Advantages of the Credit Card

The RBC Avion Visa Infinite Privilege comes loaded with advantages that cater to both frequent and casual travelers. Here’s a look at some of the standout benefits:

• Lucrative Rewards Program: Earn 1.25 Avion points for every dollar spent, making it easier to accumulate points for your next trip.
• Flexible Travel Options: Use your points on any airline and for any flight, giving you the freedom to travel on your own terms.
• Comprehensive Travel Insurance: Enjoy peace of mind with trip cancellation, interruption insurance, and emergency medical coverage included.
• Global Airport Lounge Access: Relax in luxury before your flight with access to exclusive airport lounges worldwide.
• Exclusive Discounts: Benefit from the Friday Friend Pass, offering two-for-one ski passes at participating resorts.

Highlighted Advantage: The Rewards Program

One of the most compelling features of the RBC Avion Visa Infinite Privilege is its rewards program. With 1.25 Avion points earned for every dollar spent, cardholders can quickly amass points that can be redeemed for a variety of travel experiences.

The points can be used for flights, hotel stays, vacation packages, and more, making it a versatile option for travelers. Additionally, the ability to redeem points for experiences like cruises and tours adds an extra layer of excitement to your travels, allowing you to make the most of your journey.

Disadvantages of the Credit Card

While the RBC Avion Visa Infinite Privilege offers many advantages, it also has its drawbacks. Here are a few to consider:

• High Annual Fee: At $399, the annual fee can be a barrier for some potential cardholders.
• Income Requirements: The card requires a minimum personal income of $200,000, making it less accessible for the average consumer.
• Interest Rates: The purchase rate of 20.99% and cash advance rate of 22.99% are on the higher end, which may be a concern if you carry a balance.
• Limited Availability: The card is primarily targeted towards high-income earners, which may limit its appeal to a broader audience.

Highlighted Disadvantage: High Annual Fee

The most notable downside of the RBC Avion Visa Infinite Privilege is its substantial annual fee of $399. While the benefits and rewards can offset this cost for frequent travelers, those who do not travel regularly may find it difficult to justify the expense.

This high fee can deter potential cardholders who are seeking a more budget-friendly option. It’s essential for prospective applicants to weigh the card’s benefits against this cost to determine if it aligns with their spending habits and travel frequency.

Who can apply for this card?

To qualify for the RBC Avion Visa Infinite Privilege, applicants must meet several requirements:

• Minimum Age: You must be at least 18 years old to apply.
• Income Requirements: A minimum personal income of $200,000 or a household income of the same amount is required.
• Credit Status: A good credit history is essential; those with a poor credit score may not qualify.
• Residency: The card is generally available to Canadian residents.
• Approval Process: Given the high-income requirement, approval is typically more selective compared to other credit cards.

How to apply for the RBC Avion Visa Infinite Privilege

Applying for the RBC Avion Visa Infinite Privilege is a straightforward process that can be done through various methods. Here’s how:

Online Application

Applying online is the quickest method. Simply visit the RBC website, where you can fill out the application form securely. The process takes less than 60 seconds, and you’ll receive a response promptly.

Mobile App Application

You can also apply through the RBC mobile app. The app offers a user-friendly interface that allows you to complete your application securely and conveniently, all from your smartphone.

In-Person Application

If you prefer a more traditional approach, you can visit an RBC branch to apply in person. A representative will assist you with the application process and answer any questions you may have. The RBC Avion Visa Infinite Privilege credit card is an excellent choice for those who travel frequently and can leverage its extensive benefits.

While the high annual fee and stringent income requirements may deter some, the luxury perks and robust rewards program make it an appealing option for high-income earners seeking a premium travel experience. With its flexible travel redemption options and exclusive benefits, this credit card can turn your travel dreams into reality.