How to apply RBC Avion Visa Infinite?
The RBC Avion Visa Infinite is a popular travel rewards credit card in Canada, known for its generous travel points and perks for frequent flyers. Here’s how you can apply:
Application Methods:
- Online:
- Visit the RBC website: Navigate to the credit cards section and find the RBC Avion Visa Infinite.
- Complete the application: Fill in your personal, financial, and contact information.
- Submit your application: Once you’ve finished, submit the application for review.
- By Phone:
- Call the RBC credit card application line: You’ll be guided through the application process by an RBC representative.
- Provide necessary information: Be ready to provide your personal and financial details.
- In-Branch:
- Visit a nearby RBC branch: A branch representative can assist you with the application process in person.
General Eligibility Requirements:
- Canadian Residency: You must be a permanent resident of Canada.
- Income: A minimum income is usually required. The specific amount can vary, so check the RBC website for the most current information.
- Credit History: A good credit history is essential for approval.
What You Need Before Applying
Before starting your application, gather the necessary personal and financial information. This includes your Social Insurance Number (SIN), current address, proof of income (like recent pay stubs or employment letters), and details about your monthly expenses or debts. Having everything ready helps speed up the process and ensures accurate submission.
Approval Time and Credit Limits
Once you apply, approval can be fairly quick—often within a few minutes if done online. However, in some cases, additional verification may take a few business days. The credit limit you receive will depend on your income, credit score, and overall financial profile. Many approved applicants receive moderate to high limits, making the card suitable for travel and large purchases.
RBC Mobile App and Account Access
After approval, you can easily manage your RBC Avion Visa Infinite card through the RBC Mobile App or online banking. The app lets you monitor your spending, check your balance, make payments, and view your RBC Rewards points in real time. It’s also where you can track your travel bookings and receive alerts.
Travel and Insurance Benefits Activation
Once your card is active, most travel and insurance benefits are automatically included, such as trip interruption insurance, rental car coverage, and emergency medical insurance. However, to take advantage of these perks, you usually need to pay for the trip or service using your Avion card. Always read the terms and conditions to know what’s covered and how to claim.
Managing Additional Cardholders
You can add authorized users to your Avion card account for an additional annual fee per card. These users will have their own cards and can earn points with their purchases, which are pooled into your main account. Managing additional cardholders is simple through the RBC app or online banking, and you’ll maintain full visibility and control over all transactions.
FAQ – Common Questions About the RBC Avion Visa Infinite
How can I redeem my RBC Rewards points?
You can redeem your points through the RBC Rewards portal or the RBC mobile app. Options include flights, merchandise, gift cards, travel experiences, or even applying them toward your credit card balance.
Are there blackout dates for travel redemptions?
No. One of the key benefits of the Avion program is the absence of blackout dates or seat restrictions when using points for flights.
Can I use points with any airline?
Yes, you can book flights with any airline using RBC Rewards. You can also transfer points to partner loyalty programs like WestJet Rewards, British Airways Avios, and American Airlines AAdvantage.
Does the card include travel insurance?
Yes, the RBC Avion Visa Infinite includes a full suite of travel insurance such as emergency medical coverage, trip cancellation/interruption, baggage loss insurance, and rental car insurance. Terms and conditions apply.
How can I request a credit limit increase?
You can request a credit limit increase through RBC Online Banking, the RBC app, or by contacting customer service. Approval depends on your credit history, income, and banking relationship.
What happens if I miss a payment?
Late payments may result in interest charges, fees, and a negative impact on your credit score. You can set up automatic payments or reminders via the RBC app to avoid missed payments.
Does the card offer airport lounge access?
The card does not include free lounge access by default. However, you may purchase access via LoungeKey or Priority Pass. RBC occasionally offers promotions with complimentary access.
Final Thoughts
So, is the RBC Avion Visa Infinite card the best travel card in Canada? It truly depends on what you value. If you prioritize flexible travel redemption and are already banking with RBC, this card is a solid choice. The Petro Canada benefits, coupled with comprehensive travel insurance, make it very convenient for frequent travelers within Canada.
However, if you’re seeking higher reward rates in specific spending categories or desire a card with lounge access, it may not fully meet your expectations. Overall, the RBC Avion Visa Infinite card provides a strong balance of value, convenience, and flexibility, especially for those who prefer Avion points.
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