rbc visa avion travel insurance contact

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.

• Wealth Management
• Advice & Tools

[an error occurred while processing this directive]

[an error occurred while processing this directive] Managing Your Card > Documentation > Insurance Certificates

Trip Cancellation/Trip Interruption Insurance

Rbc visa infinite * card trip cancellation/trip interruption insurance certificate of insurance.

Introduction

IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC Travel Insurance Company (the "Insurer") has issued group insurance policy U-1014452-A to Royal Bank of Canada ("RBC Royal Bank"), to cover expenses related to Trip Cancellation and group insurance policy U-1014453-A to RBC Royal Bank, to cover expenses related to Trip Interruption. This Certificate of Insurance summarizes the provisions of these group insurance policies.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to contact Assistance Services

If you require assistance in regards to Trip Cancellation / Trip Interruption Insurance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-866-774-2878 toll-free from the U.S. & Canada, or 905-816-2584 collect from anywhere in the world.

Trip Cancellation / Trip Interruption Insurance will reimburse only the cancellation penalties in effect at the time of the cause of cancellation or interruption.

• When the cause of cancellation occurs before the scheduled departure from the departure point, and while coverage is in effect, the covered person must cancel the trip with the agent immediately, but no later than the next business day following the cause of cancellation.
• When the covered person is forced to interrupt or discontinue the trip due to one of the insured risks, and while coverage is in effect, the covered person must call Assured Assistance immediately.

If you are unsure or need clarification of the provisions of the Trip Cancellation / Trip Interruption Insurance, call Assured Assistance.

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Visa Infinite card and in whose name the card account is established.

Agent means a travel agent or other travelling authority licensed by the jurisdiction in which they operate.

Cancellation penalties means the amount paid with your RBC Visa Infinite card or equivalent RBC Rewards ® points which would be forfeited under the terms of the agreement made with the agent if the travel arrangements are cancelled, and for which the agent will not provide any other form of compensation.

Cardholder means any person (includes applicants, co-applicants and authorized users), to whom RBC Royal Bank has issued an RBC Visa Infinite card.

Common carrier means airline, bus, taxi, limousine, ship or train.

Covered person means the applicant , the applicant's spouse , or a dependent child who travel with or joins the applicant or the applicant's spouse on the same trip . A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Visa Infinite card is a covered person in his/her own right. A covered person may be referred to as " you " or " your " or " yourself ". A co-applicant's or authorized user's spouse and/or dependent child are not eligible for this insurance.

Departure date means the date of your departure from your departure point .

Departure point means the province or territory you depart from on the first day of your intended trip .

Dependent child means a dependent unmarried natural, adopted, step or foster child who is

• under 26 years of age if a full-time student, or
• mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Effective date means the date and time of purchase of prepaid travel, accommodations and recreation arrangements and before any cancellation penalties have been incurred, provided you pay the entire cost with your RBC Visa Infinite card.

Emergency means an unforeseen event that occurs during the period of insurance and makes it necessary to receive immediate treatment from a physician or to be hospitalized .

Family means spouse , parent, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother or step-sister.

Hospital means an institution licensed to treat patients on an in-patient, out-patient and emergency basis, which has an operating room and laboratory, and which is operated under the supervision of a staff of physicians . It does not include any establishment which is licensed or used principally as a clinic, extended or palliative care facility, rehabilitation facility, convalescent, rest or nursing home, home for the aged, health spa or addiction treatment centre.

Hospitalization means a stay of at least 48 hours in a hospital for emergency medical treatment, which cannot be postponed.

Key employee means an employee whose continued presence is critical to the ongoing affairs of the business during your absence.

Medical condition means accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead- or top-rope anchoring equipment.

Physician means someone who is not you or a member of your family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided. A physician does not include a naturopath, herbalist or homeopath.

Return date means the date and time on which you are scheduled to return to your departure point .

Spouse means the person who is legally married to you , or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you .

Stable means any medical condition or related condition (including any heart condition or any lung condition) for which there have been:

• no new treatment or new prescribed medication, and
• no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type), and
• no new symptom, more frequent symptom or more severe symptom experienced, and
• no test result showing a deterioration, and
• no hospitalization or referral to a specialist (made or recommended) or the results of further investigations not yet completed, for that medical condition or related condition (including any heart condition or any lung condition).

Travelling companion means the person who is sharing travel arrangements with you , and whose fare for transportation and/or accommodation was entirely prepaid at the same time as the covered person .

Trip means the period of time from your departure date up to and including your scheduled return date , as shown on your travel documents.

When does coverage begin and end?

This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements were arranged by an agent , provided you pay the entire cost of these prepaid travel, accommodations and recreation arrangements with your RBC Visa Infinite card, and before any cancellation penalties have been incurred.

Coverage starts on your effective date .

Coverage ends on the earliest of:

• Midnight of your return date ;
• The date your RBC Visa Infinite card account is cancelled;
• The date your RBC Visa Infinite card account is 60 days past due; or
• The date the group insurance policies terminate.

What are the sums insured?

Under Trip Cancellation Insurance (when the risk occurs BEFORE your trip ), the maximum amount payable per:

• cardholder's family per trip is $2,500.
• co-applicant per trip is $2,500.
• authorized user per trip is $2,500

If a dependent child is also an authorized user, the maximum sum insured is the amount listed for the authorized user.

Under Trip Interruption Insurance (when the risk occurs DURING your trip ), the maximum amount payable for each covered person for any one interrupted trip is $2,500.

What are the risks and benefits?

What are the benefits.

Prepaid travel arrangements — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for:

• the non-refundable portion of your prepaid travel arrangements.

the non-refundable unused portion of your prepaid travel arrangements, excluding the cost of prepaid unused transportation back to your departure point .

Transportation — Reimbursement to you of the expenses you actually incur as a result of one of the insured risks up to the sum insured for the extra cost of:

• the date when your travel is medically possible, and
• within 10 days following your originally scheduled return date if your delay is not the result of hospitalization , or
• within 30 days following your originally scheduled return date if your delay is the result of hospitalization .
• your one-way economy air fare via the most cost-effective route to your next destination (in- and outbound).

Return of a travelling companion — Should a decision be made, by the Insurer, to transport you to a treatment facility in your province or territory of residence, the Insurer will pay the cost of upgrading to economy-class transportation for one travelling companion to his/her departure point , provided that he/she is unable to make use of the original ticket as a result of the delay caused by your emergency medical condition or death.

Pre-Existing Condition Exclusion

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

• Your medical condition or related condition, if at any time in the 90 days before your effective date, your medical condition or related condition has not been stable .
• any heart condition has not been stable, or
• you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
• any lung condition has not been stable , or
• you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

• Cancellation or interruption when you are aware, on the effective date, of any reason that might reasonably prevent you from travelling as booked.
• A trip undertaken to visit or attend an ailing person, when the medical condition or ensuing death of that person is the cause of the claim.
• Your intentional self-inflicted injury, suicide or attempted suicide (whether sane or insane).
• Your committing or attempting to commit a criminal offence.
• Your mental or emotional disorders, other than acute psychoses, unless you are hospitalized (where permitted by law).
• Your chronic abuse of alcohol.
• Your abuse of medication, drugs or alcohol or alcoholism, or your non-compliance with prescribed medical therapy or treatment.
• routine pre-natal care,
• any medical treatment directly or indirectly related to pregnancy, occurring within 9 weeks before or after the expected date of delivery, or
• childbirth occurring within 9 weeks before or after the expected date of delivery.
• Any child born during the trip .
• Any medical condition or related condition that arises during a trip you undertake with the knowledge, acquired prior to departure, that you will require or seek treatment or surgery.
• Your participation as a professional in sports, participation as a professional in underwater activities, scuba diving as an amateur unless you hold a basic scuba designation from a certified school or other licensing body, participation in a motorized race or motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing , hang-gliding or skydiving.
• Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
• Police, military, or law-enforcement service.
• The inability to obtain desired rental accommodation, financial difficulties or disinclination to travel.
• Your failure to appear at the airport, except in circumstances described as insured causes.
• Any trip not arranged by an agent.
• Any travel rewards provided by any frequent flyer program excluding RBC Rewards program.
• A medical condition of a travelling companion whose trip does not begin at the same time and place as the covered person .
• Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

What to do if you have a claim?

If you call Assured Assistance at the time of the cancellation or interruption as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of cancellation or interruption.

For your claim to be reviewed, you must submit the following information:

• the completed claim form. Please contact the Claims Centre to obtain a claim form.
• the medical certificate (contact the Claims Centre to obtain a medical certificate), fully completed by the legally qualified physician in active personal attendance and in the locality where the medical condition occurred stating the reason why travel was impossible,
• written evidence of the risk insured, which was the cause of cancellation or interruption,
• complete original unused transportation tickets and vouchers,
• receipts for the prepaid land arrangements,
• original passenger receipts for new tickets,
• reports from police, common carrier or local authorities documenting the cause of the missed connection, and
• detailed invoices and/or receipts from the service provider(s).

Submission of claims must be made to the Claims Centre:

You must submit the information required for your claim within 90 days of the date of the cause of cancellation or interruption. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

The Claims Centre will notify you of the decision on your claim within 60 days of receiving all of the required information.

Other Claim Information

When a cause of cancellation occurs before your departure date , you must:

• cancel your trip with the agent or the carrier immediately, but no later than the business day following the cause of cancellation, and
• advise the Insurer at the same time.

The Insurer's maximum liability is the amounts or portions indicated in your trip contract that are non-refundable at the time of the cause of cancellation or on the next business day.

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

• This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
• If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party. Where a third party is involved, an accident report is required before any claim payments can be made.
• If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
• All amounts are shown in Canadian dollars. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you . This insurance will not pay for any interest.
• The Insurer, Customer Service Representatives/Coordinators of Assured Assistance and the Claims Centre, RBC Royal Bank and their agents are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.
• This Certificate of Insurance is the entire contract between you and the Insurer and is subject to the statutory conditions of the Insurance Companies Act of Canada and any governing provincial statutes concerning contracts of accident insurance.
• To substantiate a claim under this insurance, you must provide the requested/required document. Failure to provide the requested/required documentation will invalidate your claim.
• The Insurer may, at its discretion, void this contract in the case of fraud or attempted fraud by you , or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

At RBC Royal Bank and RBC Insurance, we take your privacy very seriously. For more information, please turn to the section " Your Privacy Matters To Us ".

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under license.

* Registered trademark of Visa International Service Association. Used under license.

Advanced Search

Royal Bank of Canada Website, © 1995-2024

Privacy & Security | Legal | Accessibility

Sign In to Avion Rewards

Sign in with:

If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Avion Rewards FAQs

• General FAQ
• Shop/Offers
• How it works
• Avion Select

Avion Rewards – General FAQ

For RBC Royal Bank credit card customer service, please send us an e-mail or call 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

If you are a business or commercial credit card client you will be asked for an Identification Word (known only to you). This is your password to access your Avion Rewards account.

You may have already selected an Identification Word on your RBC Royal Bank credit card application. If not, you can select one by calling 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

Please visit the Avion Rewards Eligibility page to see the list of eligible products.

As a client with an RBC Commercial Avion Visa card, you are able to access Avion Rewards and earn Avion points. However, at this time, you will not be assigned to either the Avion Premium or Avion Elite membership level .

As an RBC Commercial Avion Visa cardholder, you will continue to be able to:

• Earn Avion points when you make purchases with your card
• Choose how you want your Avion points allocated - roll up points to the company, roll-up to one person or keep the points with each individual cardholders.
• Redeem or convert Avion points to use as you wish – redeem points for travel, merchandise and gift cards or convert your points to points, miles or other “partner rewards” offered through partners’ loyalty programs that we designate from time to time for this purpose.
• Access The Avion Collection - From the golf green, to the red carpet, to dining & entertainment, you can unlock access to this ever-growing catalogue of exclusive experiences and benefits.

If you have one of these credit card products plus an Avion Rewards eligible product , you will have access to the Avion Rewards program.

If you only have one of these credit cards and do not have an Avion Rewards eligible product, you will not have access to the Avion Rewards program. However, you will be able to access Offers through the RBC Mobile app and RBC Online Banking.

Yes, if you hold an RBC Bank credit card in the U.S., you’re able to participate in the U.S. Avion Rewards program. If you also have a Canadian Avion Rewards account, you’re able to transfer the points you earn with your RBC Bank credit cards to your Canadian Avion account.

When transferring points from your U.S. to your Canadian Avion Rewards account, points are converted at a 1:1 ratio – meaning one U.S. Avion point is equal to one Canadian Avion point. Once points are transferred, they will be governed by the Avion Rewards Terms and Conditions at Royal Bank of Canada. For complete terms, conditions and restrictions that apply to the U.S. Avion Rewards program, please visit www.rbcbankrewards.com or call 1-888-257-6837 .

There are several ways to earn Avion points. Depending on the product you hold, you can earn points on:

I. Net purchases made with an eligible points-earning credit card , or when you make debit purchases with an eligible RBC personal deposit account that is enrolled in the Value Program.

II. Additional / bonus points earning opportunities and/or offers available from merchants, retailers or service providers from time to time

III. RBC Group Advantage members can also enjoy more ways to earn, save and be rewarded with Avion points through exclusive offers. Learn more (RBC Group Advantage, opens new window) .

The following RBC Royal Bank credit cards earn Avion points on net purchases and are points-earning credit cards:

• RBC Avion Visa Infinite Privilege
• RBC Avion Visa Infinite Privilege for Private Banking
• RBC Avion Visa Infinite
• RBC Avion Visa Platinum
• RBC ION Visa
• RBC ION+ Visa
• RBC Rewards Visa Preferred
• RBC Visa Gold Preferred
• RBC Visa Platinum Preferred
• Signature RBC Rewards Visa
• RBC Rewards Visa Gold
• RBC Rewards+ Visa
• RBC U.S. Dollar Visa Gold
• RBC Visa Classic II
• RBC Visa Classic II Student
• RBC Mike Weir Visa
• RBC Avion Visa Business
• RBC Avion Visa Infinite Business
• RBC Royal Bank Visa CreditLine for Small Business
• RBC Commercial Avion Visa

You will be able to access Avion Rewards by signing into avionrewards.com or the Avion Rewards app and accept the Avion Rewards Terms & Conditions.

Thereafter, you will be assigned an Avion Rewards Core Account where you will be able to earn Avion points on eligible offers, as well as discounts and cash back from merchants through the Avion Rewards ShopPlus browser extension.

Note: The Avion Rewards ShopPlus browser extension is only available on mobile and through Safari on iOS.

Eligible personal RBC clients without an eligible points-earning credit card and/or an eligible personal deposit account that is enrolled in the Value Program are able to access Avion Rewards and will be given an Avion Rewards Core Account upon enrollment into the Avion Rewards Program.

If you have one of the following products you will be assigned to an Avion Rewards Core Account:

The following RBC Personal Deposit Accounts that have not been enrolled in the Value Program :

• RBC Advantage Banking, RBC Day to Day Banking, RBC No Limit Banking, RBC No Limit Banking for Students, RBC Signature No Limit Banking, RBC Student Banking, RBC VIP Banking, U.S. Personal and RateLink Essential.

The following RBC Personal Credit Cards:

• RBC Cash Back Mastercard, RBC Visa Cash Back, RBC Cash Back Preferred World Elite Mastercard, RBC Visa Classic Low Rate Option, RBC RateAdvantage Visa, RBC Visa Platinum.

The following RBC Personal Investment Products:

• Life Income Fund (LIF), Registered Disability Savings Plan (RDSP), Registered Education Savings Plan (RESP), Registered Retirement Income Fund (RRIF), Registered Retirement Savings Plan (RSP), Canadian Market-Linked GIC, Income Builder GIC, Non-Redeemable GIC, One-Year Cashable GIC, Prime-Linked Cashable GIC, RateAdvantage GIC, RBC Canadian Banking MarketSmart GIC, RBC Canadian Utilities MarketSmart GIC, RBC ESG Market-Linked GIC, RBC North American MarketSmart GIC, RBC US MarketSmart GIC, Redeemable GIC, US Dollar Term Deposit.

The following RBC Installment Loans, Lines of Credit and Home Equity Financing:

• Government Sponsored Student Loan, Personal Instalment Loans, RBC Employee Student Loan, RBC Energy Saver Loan, RSP Loan, Royal Credit Line, Royal Credit Line for General Program, Royal Credit line for Professional in Medical & Dental Studies, Royal Credit Line for Professional Studies (i.e. MBA/EMA, Law, Masters of Accounting, Master of Finance, Master of Science in Business Mgmt), Royal Credit Line for Special Programs, Royal Credit Line for Students – Students Studying Abroad, Adjustable Rate Mortage (ARM), Construction Mortgage, Fixed Rate Mortgage, Investment Properties Mortgage, Low Down Payment Mortgage, Manufactured Home Construction Mortgages, Ratecapper Mortgage, RBC Homeline Plan, Reverse Mortgage, Variable Rate Mortgage.

Avion Rewards members with an Avion Rewards Core Accounts do not earn Avion points on every purchase, however you are able to earn Avion points, cash back and discounts from offers depending on the products you hold.

Avion Rewards Core Accounts with a transacting product (eligible RBC personal debit or credit cards) , can:

• Earn Avion points and cash back through offers
• Earn Avion points from welcome bonus when acquiring a new eligible RBC product
• Save with cash back and discounts from partner retailers through the Avion Rewards ShopPlus browser extension

Avion Rewards Core Accounts without a transacting product (for example RBC Installment Loans, Lines of Credit and Home Equity Financing Products, Investments ) can:

For more information on RBC products that are eligible for the Avion Rewards Core Product Account, please visit the Avion Rewards Terms and Conditions .

The following RBC personal deposit accounts are eligible to be enrolled in the Value Program :

• RBC Day to Day Banking
• RBC Advantage Banking (includes RBC Advantage Banking for students)
• RBC Signature No Limit Banking
• RBC VIP Banking
• RBC No Limit Banking (discontinued)
• RBC Student Banking (discontinued)
• RBC No Limit Banking for Students (discontinued)
• RBC Day to Day Savings
• RBC Enhanced Savings
• RBC High Interest eSavings

Learn more about the Value Program or explore accounts now.

If you are opening a new account, you can enroll it in the Value Program at the same time you open the account. If you open an account online, simply enroll in the Value Program when you are invited to do so. If you already have an eligible account, an RBC advisor can enroll your account in the Value Program for you. Please book an appointment, call 1-800-769-2511 or visit a branch .

Yes, the points earn rate may differ for each account if you have multiple accounts enrolled in the Value Program. This is because each account will be assessed individually to evaluate the number of eligible product categories you have associated with each account, which determines the rate at which your account(s) earn Avion points.

For example, if you have two personal deposit accounts enrolled in the Value Program and 5 eligible product categories:

• One account would have 3 product categories, which means you would earn 1 Avion point for every $3 spent on debit in-store and online using the enrolled account.
• The second account would have the remaining 2 product categories, which means you would earn 1 Avion point for every $5 spent on debit in-store and online using the enrolled account.

No. To access your banking accounts online, please sign in to RBC Online Banking .

There are several ways to find out how many Avion points you have:

• Sign in to RBC Online Banking. From the Account Summary page select "Go to Avion Rewards" within the Avion Rewards section.
• If you are an RBC Royal Bank credit cardholder, check your monthly credit card statement to see how many Avion points you have available to redeem.
• If you are an eligible Personal Banking client, view your Avion points in your Vantage Snapshot within the RBC Mobile App. a) Sign in to the RBC Mobile app. b) Tap More. c) Tap Vantage Snapshot. Your points will be listed under Available Points Balance.
• View your Avion points by signing in to avionrewards.com or on the Avion Rewards app. 5 a) Sign-in to avionrewards.com or the Avion Rewards app. b) After signing in, you will see your points balance on the Home page. c) Click on the "Rewards Activity" to see your points activity.

Note: Only primary and co-applicant credit card holders have access to sign in to view their points.

To redeem your points, sign into Avion Rewards online or through the app, then select either “Travel “or “Redeem” in the nav bar or menu.

Go here to use your points for flights, hotels, vacation packages, car rentals and more.

Go here to use your points for anything other than travel, including:

Merchandise and gift cards in the Avion Rewards catalogue,

Donations to charity,

RBC Financial Rewards,

Convert points to partner loyalty programs,

Pay with points

Currently, Avion Select members can only redeem for travel, merchandise, gift cards and charity donations. More options coming soon. Not all rewards options are available to all members. Check eligibility, here

Exclusive offers and travel advantages are available to all RBC Avion Visa Infinite and RBC Avion Visa Infinite Privilege cardholders. Click below to learn more about these additional benefits:

Pending Points are the approximate amount of points you’ve earned since your last credit card statement.

They’ll become Available Points with your credit card next statement provided that the transactions they are based on haven’t since been cancelled or returned.

Pending Points will not reflect the following:

• Bonus points that may be applied to a transaction
• Transactions from a business roll-up account

You’ll be able to spend Pending Points once they become Available Points with your next credit card statement provided that the transactions they are based on are completed and have not been subsequently cancelled or returned.

If you are an RBC Avion Visa Infinite Business, RBC Avion Visa Business or RBC Commercial Avion Visa applicant. points roll-up allows you to combine the Avion points earned on all your employees' Avion Visa Infinite Business/Avion Visa Business/ Commercial Avion Visa cards into one account, and pool your points between your business and personal Avion cards

No, Avion points do not expire. Avion points are yours to use as long as your Avion Rewards eligible account remains open and in good standing. However, your points will be forfeited twelve (12) months after (i) you voluntarily close your account or (ii) RBC closes your account for any reason other than for cause.

Avion Rewards – Travel

Travel bookings must be booked through the Avion Rewards travel booking platform. To do this, sign in to Avion Rewards online or log into the app, and select Travel in the menu.

Avion Premium and Elite members can also call Avion Rewards Travel to book.

1-877-636-2870 , Monday to Friday 7:00 a.m. to 12:00 a.m. EST, or Saturday & Sunday 7:00 a.m. to 9:00 p.m. EST. If you are a commercial cardholder, please call 1-888-773-7057 .

Note: For travel bookings by phone, a $30 booking fee will be charged per ticket or per hotel booking.

You can enjoy flexibility and benefits when converting your Avion points to points, miles or other "partner rewards" offered through partners’ loyalty programs that we designate from time to time for this purpose.

Avion Rewards members can convert their points to WestJet dollars, which can then be applied like cash towards WestJet marketed and operated flights and WestJet Vacations packages, at any time, for travel to any of WestJet’s destinations in North America, Mexico, Hawaii, Europe and the Caribbean - even during seat sales! 100 Avion Rewards points converted equals 1 WestJet dollar.

Only RBC Avion credit card holders can convert their Avion points to Cathay Pacific Asia Miles, British Airways Avios, or American Airlines AAdvantage miles which provides the ability to redeem for business class travel and access to the oneworld alliance partners. Avion points are converted to Asia Miles or Avios at a one-to-one ratio. For every 10 Avion points which are converted, you will receive 7 AAdvantage miles

Points conversion is not available for Avion Select members

This is dependent on the product you hold.

Select RBC Credit cards offer various travel insurances. Find out what insurance your card carries .

If your RBC credit card does not have travel insurance or you want to top-up your insurance, you can purchase insurance for your trip separately.

You should familiarize yourself with change and cancellation policies before you complete your booking. After you book travel through Avion Rewards, you will receive a confirmation email that includes important information about changing or cancelling your travel plans. The chart below outlines any Avion Rewards Travel booking fees or charges that may be applicable if you need to change or cancel your travel plans.

In addition, the travel supplier for your reservation (i.e. airline, tour operator, etc.) may also impose change or cancellation fees. Contact Avion Rewards Travel at 1-877-636-2870 to find out more.

Please contact Avion Rewards Travel at 1-877-636-2870 .

If you are an RBC ION Visa or an RBC ION+ Visa cardholder, you can redeem your Avion points at the rate of 172 Avion points = $1 CAD towards rail travel.

If you have any other travel eligible Avion Rewards product, you can redeem your Avion points at the rate of 100 Avion points = $1 CAD towards rail travel.

Currently, Avion Select members and those with an Avion Rewards Core Account are not eligible to redeem for a trip with Via Rail.

Only RBC Avion credit card holders are eligible to redeem their Avion points for flights on the Air Travel Redemption Schedule .

Clients with one of the following products are RBC Avion credit card holders:

Only RBC Avion credit card holders are eligible to redeem their Avion points for flights on the Air Travel Redemption Schedule . Before booking, you should keep in mind:

• Check the number of points needed for your destination in the Air Travel Redemption Schedule.
• Destinations have a Maximum Ticket Price (All taxes and service fees are separate and are not part of the maximum ticket price). In the event that a ticket costs more than the allowed amount, the additional cost can be charged to your credit card or you can use your Avion points at a rate of 100 points = $1 CAD.

For example:

A flight from Toronto to Vancouver has a Maximum Ticket Price of $750 CAD. If the base fare of the flight you select is $825 CAD, you can charge the excess amount of $75 ($825-$750=$75), (plus taxes and fees) to your credit card or redeem points at a rate of 100 points = $1 CAD (75x100= 7500 points)

If the base ticket price exceeds the Maximum Ticket Price, the additional cost can either be charged to your credit card or you can use any remaining points at a rate of 100 points = $1 CAD to pay for the amount over the maximum ticket price. Terms and Conditions .

A flight from Toronto to Montreal requires 15,000 Avion points and has a Maximum Ticket Price of $350 CAD (all taxes and service fees are separate and are not part of the ticket price.)

The base fare of the flight you select is $400 CAD. This amount exceeds the maximum ticket price ($350 CAD) by $50.

You can either charge the excess amount of $50 (plus taxes and fees) to your credit card, or use any remaining points at a rate of 100 points = $1 CAD (50x100=5 000 points).

For RBC Avion credit card holders who do not want to redeem from the Air Travel Redemption schedule, there is no Maximum Ticket Price for airline tickets.

Yes, you can pay for your booking with a combination of points and credit card.

For ION or ION+ cardholders, Avion Rewards Core Product Accounts and Avion Select members, 172 points = $1 CAD. A minimum of 2,500 points must be redeemed and the remaining balance can be paid with a credit card.

Other Avion Rewards members can redeem travel at a rate of 100 points =$1 CAD. A minimum of 1,000 points must be redeemed and the remaining balance can be paid with a credit card.

RBC Avion Visa cardholders who are redeeming Avion points for flights from the Air Travel Redemption Schedule can use their credit card to pay for taxes and fees and any amount above the Maximum Ticket Price.

RBC Avion Visa cardholders can also purchase additional points to use towards flights on the Air Travel Redemption Schedule and must have at least half of the required points for their booking in order to purchase additional points. The minimum amount of points to purchase is 1,000 and maximum is 15,000, and every 1,000 points costs $40 CAD plus applicable taxes.

Yes. There are three ways to redeem Avion points for first or business class seats.

Select either first class or business class before searching for flights. Then, redeem the required number of Avion points for the destination of your choice, up to the Maximum Ticket Price as indicated in the Air Travel Redemption Schedule. The Maximum Ticket Price excludes any applicable taxes, surcharges and fees. Finally, pay for the price difference between the Maximum Ticket Price and the total price of your first or business class ticket by redeeming your points at the rate of 100 points = $1.00 CAD.

Redeeming for a flight from Toronto to Vancouver from the Air Travel Redemption Schedule requires 35,000 points for a Maximum Ticket Price of $750 CAD. The Maximum Ticket Price excludes any applicable taxes, surcharges and fees. If the cost of the flight you select in business class is $1,000 CAD, you can pay for the price difference of $250 by redeeming 25,000 additional points (100 points = $1 CAD). In total, you would need to redeem 60,000 points.

If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can pay for the entire price of a first or business class ticket (including any applicable taxes, surcharges and fees) by redeeming your points at the rate of 100 points = $2.00 CAD.

If a flight from Toronto to Vancouver in first class costs $3,200 CAD (including any applicable taxes, surcharges and fees), you would need to redeem 160,000 Avion points (100 points = $2 CAD)

Convert your Avion points to WestJet dollars or to British Airways Avios, American Airlines AAdvantage Miles or Cathay Pacific Asia Miles. Converting your Avion points gives you the flexibility to redeem for rewards and benefits these programs offer, including for first or business class seats. Once converted, points cannot be transferred or converted back to Avion points.

All travel reservations made over the phone will be subject to a $30 booking fee per ticket or hotel booking.

Avion Rewards members with an Avion Rewards Core Account can't make new bookings over the phone.

Yes. If the airline you have selected provides this service, you may pre-select your seat while booking travel online or after you have completed your redemption

Note: If fees apply, payment for your seat selection is by credit card only.

Children under the age of 2 can be booked online.

Unfortunately, at this time, booking travel to Cuba or Iran is unavailable through the Avion Rewards website, mobile app and the Avion Rewards Travel call centre. If you want to travel to Cuba or Iran, please call 1-800-ROYAL-1- 2.

Avion Rewards – Shop/Offers

Simply put, it’s a great way to ensure you don’t miss a deal, wherever you shop.

Less simply: Avion Rewards ShopPlus is a browser extension you add to your phone and desktop browsers. It searches for cash back deals and exclusive discounts from thousands of retailers and delivers them to you as you shop and search online.

You’ll be amazed at all the places you’ll find a deal.

The Avion Rewards ShopPlus browser extension is available on Mobile for iOS users on the Safari browser, and on a desktop through the Chrome, Safari and Edge browsers.

Once you have activated an offer through the Avion Rewards ShopPlus browser extension and have fulfilled the offer requirements, your cash back will be deposited after the return window for the retailer has passed. Cash is awarded once a month.

• If you have an RBC personal deposit account, your cash back will be deposited into your personal deposit account.
• If you do not have an RBC personal deposit account, you will be provided an Available Cashback Balance, which will be accessible through an Interac e-Transfer.

Please note:

• The ability to action an Interac e-Transfer from your Available Cashback Balance will be made available to you by March 2023.
• Eligible Avion Rewards members must have a balance greater than $15 to action an Interac e-Transfer of their Available Cashback Balance.

The Available Cashback Balance is how Avion Rewards members who do not have an RBC personal deposit account will receive their cash back from offers fulfilled though the Avion Rewards ShopPlus browser extension and Online Offers for you, presented in both the Avion Rewards website and app.

Note: The ability to action an Interac e-Transfer from your Available Cashback Balance will be made available to you by March 2023. Until then, eligible Avion Rewards members can continue earning cash back towards their $15 minimum balance.

The Rewards Activity Cashback tab shows users the cashback earned through Online Offers for You and through offers activated through the Avion Rewards ShopPlus browser extension.

If you have an RBC Cash Back credit card, the cash back you earn on everyday purchases with your credit card will not be reflected here. Please refer to your credit card monthly statement for the cash back earned on everyday purchases.

Once you have activated an offer through the Avion Rewards ShopPlus browser extension and have fulfilled the offer requirements, your cash back will be deposited after the return window for the retailer has passed.

Depending on the merchants return policy, you can expect your cash back in either 30, 60 or 90 days. Cash is awarded once a month.

Cash can be withdrawn through an Interac e-Transfer by selecting the Cash Out link displayed under your Available Cashback Balance (available in both the Avion Rewards website and the Avion Rewards app). Members must enter their email, prepare a security question and answer for the Interac e-Transfer.

• It may take up to 5 business days for you to receive funds following an Interac e-Transfer request.

The Avion Rewards Access Card is how Avion members who do not have a personal deposit account will receive their cash back from offers fulfilled though the Avion Rewards ShopPlus browser extension.

Note: The Avion Rewards Access Card will become available in September 2022 and will launch in coordination with the timing of applicable offers and when cash back is first awarded to Avion Rewards members.

As an Avion Rewards member you will be able to access offers through the Avion Rewards App, avionrewards.com , the Avion Rewards ShopPlus browser extension, RBC Online Banking, and the RBC Mobile App.

If you do not have an Avion Rewards eligible product, eligible clients will have access to the Offers portal through both the RBC Mobile app and RBC Online Banking.

Shop the Web allows members to browse for items directly from within the Avion Rewards website or the Avion Rewards app, compare prices from multiple retailers and see price drops, offers, and more.

Visit the Shop page on the Avion Rewards website or the Avion Rewards app to learn more about Shop the Web.

To redeem your Avion points for merchandise from Apple, sign in through Avion Rewards.

• Select the Apple logo in the Redeem with Points section on the Home page or the Shop page.
• Shop the Apple catalogue to find the item(s) you want.
• Select the item(s) of your choice and add it to your Cart.
• Complete your purchase by redeeming your Avion points or by using a combination of points plus your credit card.

1. We can only accept returns on engraved items that arrive to you in a damaged state. If you received an engraved item that is damaged, just call us at 1-800-769-2512 for help. If you are a commercial cardholder, please call 1-888-769-2534 .

Your order will be shipped to the Canadian address we have on file for your RBC Royal Bank Online Banking profile.

Note: Orders cannot be shipped to a Post Office Box.

We don't currently offer Apple Education Pricing in the Apple catalogue.

If you'd like to buy AppleCare Protection or AppleCare+, visit Apple's website or take your products to an Apple Store within 60 days of your purchase.

In the event that your order is lost, stolen, missing or if you want to return/exchange an item, just call us at 1-800-769-2512 and we'll be happy to help. If you are a commercial cardholder, please call 1-888-769-2534 .

To return an item, call us within 14 days of the item being shipped.

Orders are usually shipped within 7-10 business days. We'll send you an email with tracking information when your order is shipped. Shipping lead times for each item are shown on the catalogue check out page. We'll send you an email with tracking information when your order is shipped.

We don't currently offer the option to pre-order Apple products through our catalogue.

You'll need Avion points for at least 20% of the total value of your purchase. You can pay for the remaining 80% of the order with your Avion points, your credit card, or a combination of both.

To redeem your Avion points for merchandise from Best Buy, sign in through Avion Rewards.

• Select the Best Buy logo in the Redeem with Points section on the Home page or the Shop page.
• Select the Best Buy link in the top navigation menu under Shop & Redeem.
• Browse the Best Buy catalogue to find the item(s) you want.
• Select the item(s) of your choice and add it to your Cart.*
• Choose home delivery, or Quick and Easy reserve in store pick-up where available, for your item(s).

* Please be advised that there is currently a limit of one unit of the same item per order. If you wish to redeem for more than one unit of the same item per order, a separate order must be placed for each subsequent unit.

Avion Rewards members can access over 50,000 of the hottest tech items from Best Buy’s‡ online catalogue. You’ll have access to weekly sales, the latest products, and free shipping on almost every item, which is an exclusive benefit for Avion Rewards.

If you do not have the required Avion points for your redemption, you can pay for the remaining balance with your credit card. On the order summary screen, you can enter the amount of points you want to redeem and charge the balance to your credit card to complete the transaction, if needed.

Yes, you are entitled to the same warranty you would be when purchasing directly through Best Buy.

If your order was shipped to you, you may return your item(s) by mail. To start the return process, you will need to call us at 1-800-769-2512 . You cannot return a shipped-to-home item at a Best Buy store.

For Quick and Easy Store Pickup orders, you may return the item(s) in-store, at any Best Buy store within Canada. It cannot be returned by mail. All items that you return in store will be refunded by the issuance of a Best Buy gift card for the full value of the purchase price of the original item(s) you ordered, even if you have paid for your item(s) using Points and/or a credit card.

For all returns, you will need the following:

• If you picked up your item(s) in store, the Ready for Pickup email that was sent to you
• If your item(s) were delivered to you, the "Purchase Order Number" that was indicated on the confirmation email that was sent to you after placing your order; and
• Original packaging of the item(s) being returned.

Most items must be returned within 14 to 30 days but some product lines have special restrictions or return policies.

Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for specific information about shipped versus in-store returns.

We currently do not offer the Low Price Guarantee with Rewards redemptions using points and/or cash.

Call us at 1-800-769-2512 to request the return for drop shipment or special delivery items. You will receive a gift card in the amount of your return's purchase price. If you are a commercial cardholder, please call 1-888-769-2534 .

Yes, so long as it's returned within its window. Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for more information.

Note: Orders cannot be shipped to a post office box.

Shipping is included on almost every available item (special delivery items notwithstanding).

Subject to availability, you also have the option to pick up items at Best Buy locations through the Quick and Easy Store Pickup. You will see this option prior to online checkout. It shows which Best Buy locations have your chosen items available for in-store pick up. Not all items are available for this option. If available for Quick and Easy Store Pickup, the item(s) will be on hold at the Best Buy location for up to 3 days after you receive your Ready for Pickup email. You will need to present the email confirmation and 2 pieces of valid ID that matches the name on the order. At least one piece of ID should be government-issued photo ID.

Please see the Avion Rewards® Redemption, Return and Exchange Terms & Conditions for Best Buy‡ (opens in new window) for more information.

No, your points must be redeemed through the Avion Rewards website. Select Best Buy from under the Shop & Redeem menu in the top navigation to browse the Best Buy catalogue. Then, select the product you want, and add it to your cart.

Please be advised that your redemption may include an environmental handling fee (EHF) as may be required in your province. These fees are used to support provincial recycling and disposal programs, and are collected on products made with materials such as metal, glass, and plastic that can be recycled into other products. EHFs are also collected on products that may contain substances that are hazardous to the environment.

To learn more and to see how these fees are applied on a province by province basis, please see Best Buy's Environmental Handling Fees details.

Please contact RBC Royal Bank credit card customer service at 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

Some items on our merchandise catalogue offer a manufacturer warranty. You will need to contact the manufacturer directly to take advantage of the manufacturer’s warranty. Please refer to your product packaging or the manufacturer’s website for contact information. If required by the product manufacturer, please contact RBC to obtain a proof of purchase. Please contact RBC Royal Bank credit card customer service at 1-800-769-2512 . If you are a commercial cardholder, please call 1-888-769-2534 .

No, you can only redeem Avion points to pay down your RBC points-earning credit card balance through Pay Credit Card with Points.

Eligible Avion Rewards members with an RBC points-earning credit card can use their points to redeem towards eligible transactions as a statement credit.

Note: Clients must have an RBC points-earning credit card in order to Pay Back Purchases with Points and RBC Commercial Avion Visa is not eligible.

Here’s how to Pay Back Purchases with Avion points:

• Sign in to RBC Mobile or Online Banking
• Go to credit card transaction details page
• Double click on any particular transaction
• There will be transaction details like purchase date, merchant name etc. and a Pay with Points button
• Click on the Pay with Points button and go to the Pay Back with Points page where transaction details appear along with the current full points balance that is available
• Choose any amount of points to use to “offset” all or even just a portion of the purchase amount
• Redemption is completed with a confirmation and Avion points will be deducted from account balance right away
• A credit will be posted on credit card account within 1-2 business days with a description of “rewards redemption – merchant name”

Note: This feature is only available in the RBC Mobile app.

Pay In-Store with Points is a capability available in the RBC Launch app that allows you to redeem your Avion points for purchases completed in stores with an eligible mobile wallet (iOS and Samsung).

Any purchase transactions between $1 and $250 CAD completed through an eligible mobile wallet using your device qualify.

• Make sure you’ve downloaded the RBC Launch app. Sign in with your credentials and enable push notifications. There are 2 ways to redeem:
• Sign in to the RBC Launch app. Select the transaction banner at the top, and redeem points towards your last purchase with Apple Pay.
• Turn on push notifications for the RBC Launch app. We’ll let you know when your purchase is eligible to redeem points.
• Get started by selecting the Samsung Pay app icon or by swiping up from the bottom of your screen.
• Select Pay with Avion Rewards Points and choose how many points you’d like to use towards your purchase.
• Tap to pay, and your purchase is complete.

The full purchase amount will be charged to your credit card for your purchase and a statement credit for the points redemption will be applied on your credit card account within 2-3 business days from the date of your purchase. Your statement credit will indicate which merchant your transaction was made with.

You will still continue to earn Avion points for the full purchase amount even when you redeem points for that purchase.

All redemptions are final and cannot be cancelled or reversed once submitted. The points redeemed will remain as a statement credit towards your account balance even when you return or refund your purchase. The number of points redeemed may vary during promotional campaigns.

Note: Push notifications may display account information, such as account balance and transaction information, on the screen of your device in a locked state and in your device notification center. You can disable push notifications in your notification settings.

Avion Rewards – Redeem

Yes, you can get one for yourself or send one to a friend. See our e-gift card FAQs to learn more.

Avion Rewards members with an Avion-points earning credit card can use their points to make a payment towards their credit card balance. Pay credit card with points does not allow you to redeem for items at point of sale.

Just follow these steps:

1. Sign in to Avion Rewards

2. Select “Redeem” in the top navigation or menu

3. From here, select “Pay Credit Card Now”

4. Choose the amount you wish to redeem

5. Redeem your points.

It usually takes 2-3 days for your redemptions to appear in your credit card account.

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card.

Check eligibility, here

Yes. If you’re an eligible Avion Rewards member and a member of the Hudson’s Bay Rewards program, you can:

• Convert your Avion points to Hudson’s Bay Rewards points.
• Turn on auto-convert to have your Hudson’s Bay Rewards points automatically converted to Avion points.

With auto-convert, your current Hudson’s Bay Rewards points will automatically be converted to Avion points on an ongoing basis, until you turn it off. When auto-convert is turned on, you won’t be able to convert Avion points to Hudson’s Bay Rewards points.

You must be a member of the Hudson’s Bay Rewards program in order to complete either of the conversions above, and the Hudson’s Bay Rewards account must be in the same name as your RBC Royal Bank credit card account.

For one-time conversions, a minimum of 500 Avion points must be converted and they can only be converted in increments of 2 Avion points thereafter. For auto-convert, your Hudson’s Bay Rewards points will be automatically converted to Avion points when you have a minimum of 40 points in your Hudson’s Bay Rewards account and in increments of 4 Hudson’s Bay Rewards points thereafter.

Note: At this time, RBC ION Visa and RBC ION+ Visa cardholders are not eligible to convert their Avion points to the Hudson Bay Rewards Program and vice versa.

To turn on auto-convert:

• Sign in to Avion Rewards
• Select Redeem in the top navigation or menu.
• Select Hudson’s Bay Rewards from the Convert Points menu.
• Select the tab, Auto-convert your Hudson’s Bay Rewards points, and follow the steps.

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card. At this time, RBC ION Visa and RBC ION+ Visa cardholders are not eligible to convert their Avion points to the Hudson Bay Rewards Program and vice versa.

No, we don’t currently offer this option. You can only convert Avion points to Hudson’s Bay Rewards as a one-time conversion with a minimum of 500 Avion points.

Transfer points gives you the ability to consolidate your Avion points where you need them most. Through a simple set of steps, you can transfer Avion points from one points account to another. Check out the individual perks and benefits of your points-earning account to see where you can maximize the value of your points.

Note: Points are transferred on a 1:1 basis, meaning the number of points you transfer will not change from one points-earning product to another. In addition, there is no fee to transfer points.

If you have more than one Avion points account, you can transfer points between most accounts that appear on your profile. Transfers are only eligible between points accounts that you own. Points earned by an authorized credit card user, belong to the primary credit cardholder.

Yes, you can combine the Avion points you have earned using your eligible personal deposit account (by making in-store or online debit purchases) with the Avion points you have earned with your personal, and business credit card and vice versa.

Here’s how to combine your Avion points between points-earning products:

• Log in to avionrewards.com and click the "Transfer" menu.
• On the landing page, select "Transfer Now” in the “Transfer Points” option. You can transfer points between the products shown in the drop-down menu.
• Within "Transfer Points", you can set up a one-time transfer or an auto-transfer so that all the points you earn with your points-earning product(s) can be pooled to one points account, making it easy to keep track of your points in one place and get you closer to your redemption goals.

No. There is no minimum or maximum. You can transfer Avion points between accounts as you need, with no limits. Also, if you realize that you have transferred too many points in a points account, or into the wrong points account, you can always transfer them back, with no fees.

When you transfer Avion points from your U.S. Dollar Visa Gold points account to another Avion points account (non U.S. dollar), the points will be transferred at a rate of 1:1.

No. Avion points transfers are final, and cannot be reversed or cancelled. However, if you choose the wrong points account for your transfer or need the points back into the account you transferred from, you can just set up another transfer. Don’t worry, you will not pay any fees, or experience any loss in the transfer.

Yes. If your business banking profile is linked to your personal banking profile, you can transfer points to or from your business rewards account online.

If your business banking profile is not linked to your personal banking profile, you can transfer points from or to your business rewards account by calling us at 1-800-769-2512 .

Avion points will be awarded based on how many points you have earned up until the day you opt out. As long as your personal deposit account remains open (and in good standing?), you will not lose the points you have previously earned when you opt out of the Value Program .

If you close a personal deposit account that is enrolled in the Value Program:

• The monthly fee rebate 1 you receive will be based on the number of eligible product categories you had and the specific account activities you completed (pre-authorized payment, direct deposit, eligible bill payment) in the previous calendar month. If you close your account on a day other than the last day of the calendar month, your monthly fee rebate will be pro-rated and paid on your next statement cycle date.
• Avion points are earned up until the day the account is closed and are based on debit purchases made from the first day of the calendar month through the date you close your account.

After closing your personal deposit account, you have 12 months to use your Avion points, which can be redeemed by calling the RBC Advice Centre at 1-800-769-2512 .

Yes you can. You will be able to redeem Avion points you have earned (based on the rates associated with the closed account) for up to 12 months after closure. You can also transfer your points to any active points account you have and redeem from there. If you are not ready to redeem your points, be sure to transfer them to an active account before your 12 months are up.

Avion Rewards – How It Works

If you are an RBC client, review the list of eligible Avion Rewards products . Should you have an Avion Rewards eligible product, you can simply sign into Avion Rewards through the Avion Rewards website or app. If you are new to Avion Rewards, you will need to also accept the Avion Rewards Terms & Conditions upon first sign in.

Ampli is a Canadian cash back app that is powered by Avion Rewards. Ampli lets you earn cash back in your Ampli account on both online and in-store purchases at more than 125 brands, such as Lowe's, DoorDash, Rexall, H&M, Sephora, Lyft, and Indigo.ca.

To start earning cash back with Ampli, by:

• Downloading the Ampli app
• Signing up and securely connecting your Canadian debit and credit cards
• Pay with your connected card online and in-store at participating brands and earn cash back automatically

Once you have accumulated a minimum of $15 CAD in cash back in your Ampli account, transfer cash back into your bank account with a free Interac e-Transfer®. Plus, connected RBC credit cards can earn even more cash back on select offers.

Note: Ampli is available to all Canadians, therefore you do not need to be an RBC client to join. For more information or to sign up for Ampli Powered by Avion Rewards visit: ampli.ca

The Avion Rewards program has 2 membership levels, Avion Premium and Avion Elite.

• If you have an RBC Avion credit card, you are an Avion Elite member and will receive benefits associated with that membership level.
• All other Avion Rewards eligible products qualify for the Avion Premium level.

Note: Your membership level provides you with additional benefits such as offers, however the number of points required to make a redemption is tied to either your RBC card product or your Avion Rewards Core Product Account.

You can apply for an RBC Avion credit card and once you have been approved and have activated your card, you will automatically have access to all benefits associated with the Avion Elite membership level.

If you cancel your RBC Avion credit card, you will no longer have access to the benefits associated with the Avion Elite membership level since having an RBC Avion credit card is required in order to be part Avion Elite.

Avion Rewards provides members many ways to earn Avion points. Depending on the Avion Rewards eligible product you hold, eligible members are able to earn Avion points from:

• Purchases made with an eligible RBC points-earning credit card
• The Value Program. Simply enroll an eligible personal deposit account and start earning Avion points on qualifying debit purchases made online or in-store.
• Offers available on the Avion Rewards Shop page. Simply load your available offers to earn bonus Avion points on qualifying purchases and follow the steps on how to claim your offer.
• When acquiring a new eligible RBC product, with an associated welcome points offer.
• With qualifying purchases using your eligible linked RBC card at our select merchant partners like Petro Canada. Eligible clients receive 20% more Avion points at Petro Canada when they pay with their linked RBC points-earning credit card.

Eligible personal RBC clients without an eligible rewards credit card and/or an eligible personal deposit account that is enrolled in the Value Program are able to access Avion Rewards and will be given an Avion Rewards Core Account upon enrollment into the Avion Rewards Program.

RBC Personal Deposit Accounts that have not enrolled in the Value Program:

RBC Personal Credit Cards

RBC Personal Investment Products

RBC Installment Loans, Lines of Credit and Home Equity Financing that are not tied to a business banking profile

Please visit the Avion Rewards Terms and Conditions to learn more about the Avion Rewards Core Product Account.

Yes, you can pay down your RBC points-earning credit card balance with Avion points using the RBC Mobile app. The redemption process works similarly to how it does through the Avion Rewards web site–just choose the RBC points-earning credit card you would like to pay, the dollar denomination and corresponding amount of points you wish to redeem. The RBC Mobile app is available for iOS and Android.

Eligible Avion Rewards members can use their Avion points to send an Interac e-Transfer by sending to a payee through RBC Online Banking or the RBC Mobile app.

RBC Commercial Avion Visa, RBC Avion Visa Business and RBC Avion Visa Infinite Business credit cards, select Avion Rewards Core Product Accounts and single credit card only clients are not eligible to send an Interac e-transfer with points.

Please visit the Avion Rewards Terms & Conditions for more information on eligibility criteria.

Here’s how to send an Interac e-Transfer by redeeming Avion points:

In the RBC Mobile app:

• Login and select the yellow circle with an arrow in the navigation menu
• Choose Send or Cancel an Interac e-transfer;
• Choose Avion Rewards, instead of RBC Account at the top of the page;
• Enter the dollar amount to be sent –the number of points required will be automatically converted and displayed;
• Select Continue and review the details;
• Once you are ready to proceed, click “Send Now”.

On RBC Online Banking:

• Login and select the “Send an Interac e-Transfer” in the right hand navigation under Transfers and Payments.
• If you have more than one Avion Rewards account, choose the one that will fund the points;
• Choose the payee;
• Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed to convert into points;

Avion Premium and Elite members can use Avion points to pay any bill that can be set up as a payee through RBC Online Banking or the RBC Mobile app.

Avion Select members are not eligible to pay bills with points.

Avion Rewards members can use their points to pay bills, like cable, gym memberships and more.

Here’s how it works:

On Avion Rewards web or App

1. Sign into Avion Rewards and select Redeem in the main navigation;

2. Select the “Pay Bills Now” option from this page. This will take you to RBC Mobile app;

3. If you have more than one Avion Rewards account, choose the one that will fund the points;

4. Choose your payee;

5. Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed;

6. Select “Continue” to review the transaction;

7. Select “Pay Now” to submit the payment

On RBC Online Banking or App

1. Go to the “Pay Bill and Transfer Funds” page and select the “Pay with Avion points” tab;

2. If you have more than one Avion Rewards account, choose the one that will fund the points;

3. Choose the payee;

4. Enter the dollar amount to be paid–the number of points required will be automatically converted and displayed to convert into points;

5. Click “Submit” to complete the payment

This benefit is only available to Avion Elite and Avion Premium members with an eligible RBC credit card. Check eligibility, here

Through the Value Program , Avion points are reported monthly and take into account all in-store and online debit purchases from, and returns to, an enrolled personal deposit account.

For example, say you purchase a $300 blender with your debit card in December and received your Avion points. In January, you return the blender and get a $300 credit to your personal deposit account, but you also make $500 in debit purchases. For January, you would be awarded points for $200 of your debit spend ($500 in debit purchases minus the $300 return). Alternatively, if in January you do not make any debit purchases and only return the $300 blender, you would not be awarded any points for January and 300 points will be removed from your points account.

Avion Rewards – Avion Select

Avion Select is Avion Rewards’s newest membership level. It’s free for everyone to join (just like all our levels). As an Avion Select member, you can get cash back at thousands of retailers – with more not-to-miss benefits on the way.

To sign up for Avion Select, simply download the Avion Rewards mobile app and follow the onscreen prompts.

Anyone! You simply have to be the age of majority in your province. While our Premium and Elite levels require you to be an RBC client, Avion Select members can bank anywhere.

Download the Avion Rewards app or select “Join Now” on Avion Rewards. Sign up with your email address and you’re in!

Avion Select members enjoy early access to great deals and savings, including cash back offers from your favourite retailers.

Stay tuned for more benefits coming soon, such as travel offers and the ability to earn and redeem points.

Avion Select members will be able to earn and redeem points later in the year. For now, you can enjoy early access to our cash back offers.

To earn cash back as an Avion Select member, simply log into Avion Rewards on the app or the website and shop available offers.

You can also enable the Avion Rewards ShopPlus browser extension and the cash back offers will come to you while you shop and search online.

Log into the Avion Rewards app and select See Activity. You’ll be able to view your points, cash back and savings history.

Funds are added to your available cash back balance after you have completed your transaction and the return window for the retailer has passed. Check with the retailer for details, but this is usually within 120 days.

Once funds appear in your available cash back balance, you can withdraw them to your bank account using Interac e-Transfer. Simply log in to the Avion Rewards app to view your available cash back balance and follow the onscreen prompts to cash out.

Please note that you will need to have Interac e-Transfer and autodeposit set up in your bank account and a minimum balance of $15 in order to withdraw funds.

You will need to set up Interac e-Transfer for your bank account in order to take advantage of cash savings.

You will need to set up an autodeposit with your bank in order to cash out to your bank account. If you do not have autodeposit set up, please log in to the Avion Rewards app, click on the “More” menu and click “Contact an Advisor”, where an advisor will be able to help you.

No, your cash back does not expire as long as you have an active account with us. After 24 months of inactivity, your account will be closed and any cash back balance will be lost.

No. You can only transfer your available cash back balance to the Interac e-Transfer email address you originally registered with.

You need a balance of $15 or over in order to send an Interac e-Transfer from your available cash back balance.

Interac e-Transfer transactions are usually completed within 24 hours.

Once you submit your Interac e-Transfer request, the transaction should be available in your Cash Back transaction history on the Rewards Activity page.

If you do not see this transaction and are still seeing a positive available cash back balance, try submitting the request again.

For additional help, visit the “Contact an Advisor” page in the “More” menu of the Avion Rewards app and one of our advisors will be able to help.

If you have not received your cash back, it may be because:

• Ad blockers have prevented the offer from loading. Check your browser to make sure ad blockers are disabled for Avion Rewards
• You purchased an item that is not included in the retailer’s offer. Check carefully before making your purchase that the offer applies to that specific product
• You made the purchase through another loyalty program. You can not receive cash back through two programs at once
• You made the purchase directly on the retailer’s site without clicking on “Load Offer” in Avion Rewards first. Offers are only activated when you click through from Avion Rewards

If you have checked all of the above, you should receive your cash back once the merchant’s return window has passed. Check with the merchant for details, but this is usually within 120 days.

If you have not received your cash back within 120 days, log in to the Avion Rewards app, click on the “More” menu and click “Contact an Advisor”, where an advisor will be able to help you.

You can review our privacy policy here .

If you no longer wish to benefit from Avion Rewards, you do not need to deactivate your account. You can simply delete the app, and your account will be automatically deactivated after 24 months of inactivity.

To reactivate your account, simply reinstall the Avion Rewards app and sign in with your previous username and password. You may need to reaccept the Terms & Conditions to become an active member of the program.

If your account has been inactive for 24 months, then it will be reactivated as a new account with no earning history.

If you forget your password, simply click “Forgot Password?” in the app and follow the steps provided.

No. For security reasons, you are not able to change the email address associated with your account.

If you no longer wish to receive emails from Avion Rewards, click the “unsubscribe” button at the bottom of any Avion Rewards email that you receive.

The available cash back balance is the amount of cash back that can be withdrawn into your bank account.

In order to receive the offer, you need to shop through Avion Rewards. Simply select “Load Offer” and then click through the provided link.

No, not at this time. You must withdraw the full amount in your cash account, once it is $15 or over.

Cash back on eligible offers is issued in Canadian currency. For foreign currency transactions, the cash back earned may be subject to foreign exchange fees, foreign currency fluctuations or other factors that may influence the amount of cash back earned when calculating the Canadian dollar equivalent amount.

For cash back offers, there is a holding period before it is moved to an earned status and available to be cashed out by a member. This holding period varies by merchant as it is dependent upon each merchants return window plus associated processing time which can typically be up to 120 days after the original transaction date. During this period cash back will be reflected in your activity dashboard and can be found under the Pending tab. Once the holding period is complete it will move to the Earned tab within the activity dashboard.

As an Avion Select member, you can link and earn points and cash back at over 230 financial institutions.

Unfortunately, there are some financial institutions that don’t provide a consistent card connection experience, which could affect the ability to earn cash back and points. These financial institutions are not supported by Avion Rewards.

If you have an RBC product, you’re automatically an Elite or Premium member. Our great offers are available to Premium and Elite members when they shop with their RBC product–there is no need to link any cards.

Not a Premium or Elite member? Visit Become a Member to learn how you can elevate your current Avion Rewards membership.

Sometimes, your bank card(s) may become unlinked from your Avion Rewards profile due to an interrupted connection. This may be caused by factors such as multi-factor authentication (MFA), system outages or technical disruptions.

Don’t worry, it’s easy to fix! Simply log in and relink your bank card(s) using one of these three options:

• Click the notification on the home screen
• Visit the Manage Cards section of the More menu on the app
• Visit the Profile & Settings menu on the desktop app

That way you can keep earning cash back on eligible purchases.

Yes! Once you successfully relink, we’ll honour all points or cash back earned on eligible purchases made up to 60 days prior.

Yes, you can remove individual cards or bank accounts from your Avion Rewards profile at any time by selecting the delete icon in the Manage Cards section. Once you’ve removed a card or bank account, you’ll no longer be eligible to earn points or cash back on transactions made using these cards.

To earn points or cash back on eligible purchases, Avion Rewards needs to be able to see that you’ve completed a transaction associated with an active offer. Rest assured; this is done with bank-level security practices to protect your privacy.

We use third-party account aggregation technology to match active offers with the purchases you make using the debit and/or credit card(s) you connect to your Avion Rewards profile. Our service provider uses masked login credentials to protect your privacy while providing us with transaction information from your connected accounts.

Please visit Avion Rewards Card Linking Terms & Conditions .

It’s easy! Simply open Avion Rewards on your mobile app or desktop and shop available offers. Make sure you read the offer details as you may need to load an offer or link a card before earning. You can also enable the Avion Rewards ShopPlus browser extension and cash back deals will be revealed as you shop online.

Avion Select members can redeem points for travel, gift cards, merchandise and charity donations– with more reward options coming soon. Keep shopping and look for offers to earn more points, faster, so you’re ready.

Missing cash back may be caused by one of these reasons:

• You purchased an item that is not included in the merchant's offer. Check carefully before making your purchase that the offer applies to that specific product
• You made the purchase through another loyalty program. You cannot receive cash back through two programs simultaneously
• You made the purchase directly on the merchant’s site without clicking on “Load Offer” in Avion Rewards first. Offers are only activated when you click through from Avion Rewards
• You made a purchase that required you to have a linked card when your card was actually unlinked. Relink your cards one of two ways: ○ Click the ntification on the home screen or visit the Manage Cards section of the More menu on the mobile app ○ Click the Profile & Settings menu on the desktop app. You're eligible to earn cash back for transactions made up to 60 days prior, as long as you relink.

If you’ve checked all of the above, you should receive your cash back once the merchant’s return window has passed. Check with the merchant for details, but this usually occurs within 120 days.

If you haven’t received your cash back within 120 days, visit the Avion Rewards More menu on the mobile app or Profile & Settings menu on the desktop app and click “Contact an Advisor,” where we’ll be able to help you.

Avion Rewards makes it easy to get rewarded. Here’s how:

Short points for travel? You can use your points AND credit card on the same purchase, so you never miss a deal on hotels, car rentals and more.

Merchandise, gift cards and charity donations can only be redeemed with Avion points but keep an eye out – we often have sales that allow you to redeem using fewer points than usual.

Still need more points? Keep shopping and look for bonus points offers from our retailers. They can help you earn more points, faster.

Note: More reward options are coming soon for Avion Select members!

Access your itinerary any time from the Avion Rewards app or website by visiting the travel booking platform and selecting "My Trips" on the top right of the page or the app.

Call 1-877-636-2870 to make changes to an existing travel booking. Please note that Avion Select members are not eligible to make new bookings on the phone.

All travel bookings must be booked through the Avion Rewards travel booking platform. To do this, sign in to Avion Rewards online or log into the app, and select Travel in the menu.

Travel insurance is not included in travel bookings for Avion Select members. Please buy this separately.

This will depend on your travel supplier’s change and cancellation policies. Please review them before booking.

After you’ve booked through Avion Rewards, you’ll receive a confirmation email that includes important information about changing or cancelling your trip.

Yes. If the airline you have selected provides this service, you may pre-select your seat while booking travel online or after you have completed your redemption.

Yes! It’s easy to book travel for friends and family through your profile. Just be sure the name on the itinerary is identical to their full name shown on their passport.

Avion Select members can redeem points for travel, as well as gift cards, merchandise and charity donations.

To redeem your points, first sign into Avion Rewards online or through the app. Then select "Travel” from the menu to book flights, hotels, car rentals and more, and “Redeem” to use your points for merchandise, gift cards and charity.

Note: More rewards options are coming soon for Avion Select members!

You can update your address by visiting your Avion Rewards profile in the app or website.

Avion Select members are not eligible to convert Avion points to other airline frequent flyer or airline loyalty programs.

Didn’t find what you were looking for? Try this

• How to Choose the Right Credit Card
• How to Apply for a Credit Card
• How to Cancel a Credit Card
• Ways To Pay Off Credit Card Debt
• Why Your Credit Card Was Declined
• How to Get Out of Credit Card Debt
• What to Know About Credit Card Minimum Payments
• What Is a Credit Card and Should You Get One?
• How Do Credit Cards Work in Canada?
• What Are the Different Types of Credit Cards?
• How an International Credit Card Works
• Common Credit Card Terms and Conditions
• Credit Card Fees and Charges

Credit Card Interest Calculator

• First-Time Home Buyer Incentive
• Tax-Free First Home Savings Account
• Home Equity Loan
• How a Reverse Mortgage Works
• Home Equity Line of Credit
• Mortgage Renewal
• Getting a Second Mortgage
• How to Refinance a Mortgage
• How Does Mortgage Interest Work?
• Realtors vs Real Estate Agents vs Brokers
• Is Canada’s Housing Market Crashing?
• Types of Houses in Canada
• First-Time Home Buyer Grants and Assistance Programs
• Types of Mortgages in Canada: Which Is Right for You?
• How Does a Mortgage Work in Canada?

• What Is an Interest Rate?
• Guaranteed Investment Certificate (GIC)
• Savings Account Guide
• Common Canadian Bank Fees and Charges
• Types of Bank Accounts in Canada
• EQ Bank Review
• Simplii Financial Review
• Tangerine Bank Review
• National Bank of Canada Review
• CIBC Review
• Scotiabank Review
• TD Bank Review
• What Is Canadian Investor Protection Fund (CIPF) Coverage?
• How Capital Gains Tax Works
• Investing for Canadian Beginners
• Understanding Asset Classes in Investing
• Understanding Fixed-Income Investments
• How to Invest in Stocks
• What Are T-Bills
• What is a Bond
• What is Registered Disability Savings Plan (RDSP)
• What Are Mutual Funds
• What is an ETF (Exchange Traded Fund)
• What Is Forex Trading
• What Is Cryptocurrency and How Does It Work
• What Is a Stock
• What is Old Age Security and How Does It Work
• What is Registered Retirement Income Funds (RRIFs)
• How a Life Income Fund (LIF) Works for Retirement
• What Is An In-Trust Account
• What Is a Locked-in Retirement Account (LIRA)
• How Much Money You’ll Need To Retire
• Defined Benefit vs. Defined Contribution Pension Plans
• Can Annuities Fund Your Retirement?
• What Is a Personal Loan?
• Personal Loan Insurance: Do You Need It?
• What Is a Secured Personal Loan?
• What Is a Payday Loan?
• What Is a Pawn Loan?
• What Is a Car Title Loan?
• Small Business Loan vs Personal Loan
• Personal Loan vs. Line of Credit
• Personal Line of Credit vs Home Equity Loan:
• Personal Line of Credit vs Car Loan
• HELOC vs Personal Loan
• Debt Consolidation vs Personal Loan
• Cash Advance vs Personal Loan
• Business Loan vs Personal Loan
• Price Matching Tips to Help You Save Big
• How to save for Wedding
• How to Save Money on Groceries
• Ways to Save on Your Next Family Vacation
• Tips to Help You Save On Gas
• How to Save Money in 8 Easy Steps
• Passive Income: What It Is and How to Make It
• Budgeting 101: How to Budget Your Money
• Ways to Make Money Online and Offline in Canada
• How Do Credit Inquiries Work?
• What is the Ideal Credit Utilization Ratio?
• What Credit Score is Needed for a Credit Card?
• How to Get a Better Credit Score
• What is a Good Credit Score in Canada?
• Credit Cards

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.

NerdWallet Rating

NerdWallet CA

• Pros: Petro-Canada fuel discounts, 12 months of free DoorDash deliveries and travel insurance. 
• Cons: No airport lounge access, free checked bags or priority airport services.

What our Nerd thinks

“The RBC Avion Visa Infinite Card has some travel-specific perks that will appeal to jet setters and road trippers, but it puts in a decent showing as a general rewards card, too. Overall, I think the card will appeal in equal measure to Canadians who want a rewards program with diverse redemption options and travellers seeking the peace of mind provided by a card with travel insurance.”

CREDIT CARD NERD

Shannon Terrell

The RBC Avion Visa Infinite card offers new cardholders up to 35,000 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 35,000 Points Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• 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. 

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…

22 Best Credit Cards in Canada for July 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

10 Best RBC Credit Cards in Canada for 2024

The best RBC credit card options in Canada include several co-branded cards that are especially popular among those looking to earn travel rewards.

25 Best Rewards Credit Cards in Canada for July 2024

Compare the best rewards credit cards in Canada across numerous rewards categories, including travel, cash back and more, to find the ideal card for your spending preferences.

• $120 annual fee
• 35,000 Avion points on approval
• 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.

Get a FREE copy of Travel Hacking for Lazy People

Subscribe now to get your FREE eBook and learn how to travel in luxury for less

Prince of Travel

Prince of Travel is a full-service travel brand with an emphasis on luxury travel.

Get in-depth information on hotel programs and learn more about Prince Collection’s premier brands and vendors.

Credit Cards

Points programs.

Get the latest news, deals, guides, and travel reviews straight to your inbox with a Prince of Travel newsletter subscription.

Join Our Newsletter

Subscribe to the prince of travel newsletter.

You'll receive priority information about the newest luxury properties worldwide, exclusive reservations and deals through Prince of Travel , and unique destinations across the globe.

By providing your email, you agree to the Prince of Travel Privacy Policy

Thank you for subscribing!

Please check your email to confirm your subscription!

Id ea eiusmod magna cupidatat proident commodo tempor sit incididunt. Fugiat aliquip officia exercitation ad culpa ipsum est.

Hotel Programs

Best credit cards, back to deals, rbc avion credit cards: new offers for up to 70,000 points.

RBC has new offers available on its lineup of Avion credit cards, with a new record-high welcome bonus on the RBC® Avion Visa Infinite Privilege†.

Written by Ricky Zhang

On 2024-05-01

Read time 13 mins

For the past year or so, RBC ®  offered record-high welcome bonuses on its trio of Avion personal credit cards: the RBC ® Avion Visa Infinite † , RBC ® Avion Visa Platinum † , and the RBC ® Avion Visa Infinite Privilege † .

The latest round of offers is now out, and the welcome bonus on two cards has dropped, but there’s also been a nice boost to another that has resulted in a new record-high offer. 

RBC ® Avion Visa Infinite Privilege † : Up to 70,000 Avion Points † + VIP Benefits

The high-end premium product in the Avion family, the RBC ® Avion Visa Infinite Privilege † , has a new elevated welcome offer which is higher than the other two personal Avion cards in RBC’s lineup. †

This time, you can earn up to 70,000 RBC Avion points,† structured as follows:

• Earn 35,000 RBC Avion points upon approval†
• Earn 15,000 RBC Avion points upon spending $5,000 in the first six months†
• Earn 20,000 RBC Avion points as a one-time anniversary bonus upon renewing the card for a second year †

This is a new all-time high offer on the card, up from the previous record of 55,000 points which was available through much of 2023 and 2024.

The welcome bonus of up to 70,000 Avion points † outweighs the $399 annual fee on this card in each of the first two years; however, the $200,000 minimum personal or household income requirement may be prohibitive for some applicants.

Nevertheless, if you’re looking to earn 1.25x Avion points on all purchases † , and try out the ability to redeem points directly against premium fares at 2 cents per point , now’s as good of a time as any to apply for the RBC ® Avion Visa Infinite Privilege † with this bonus in play. 

This offer is available until November 25, 2024, so be sure to apply before then if you’re eligible.†

• Earn up to 35,000 Avion points upon approval†
• Then, earn  15,000 Avion points  upon spending $5,000 in the first six months†
• Then, earn  20,000 Avion points  as a one-time anniversary bonus upon renewal†
• Plus, earn 1.25x RBC Avion points † on all qualifying purchases
• Use your rewards for any business class flight with no restrictions on dates, seats, or airlines †
• Transfer points to one of four airline partners †
• DragonPass membership with six free lounge visits per year †
• Minimum income: $200,000 personal or household†
• Annual fee: $399 †

RBC ® Avion Visa Infinite † : 35,000 Avion Points †

After another round of a record-high welcome bonus, the offer on the RBC® Avion Visa Infinite† has dropped by 20,000 Avion points. 

This time, you can earn a welcome bonus of 35,000 Avion points, † which are awarded upon approval for the card. †

Typically, you need to meet a minimum spending requirement to unlock at least part of the welcome bonus; however, that’s not the case this time around. You’ll get the full allotment of 35,000 points as soon as you’ve been approved for the card. †

It doesn’t get much easier than that, so if you haven’t yet added the RBC® Avion Visa Infinite† to your portfolio, head to the RBC website to learn more.

We value RBC ® Avion points † at 2 cents apiece , given their flexibility and frequent transfer bonuses to airline loyalty programs.

Using this valuation, we’d estimate that the welcome bonus of 35,000 RBC ® Avion points † is worth at least $700. Subtract the $120 annual fee from that, and we’d value the current offer at $580, which is certainly worth considering.

There’s no listed end date for this offer.

• Earn 35,000 RBC Avion points † upon approval†
• Plus, earn 1x 1.25x RBC Avion points †  on qualifying travel purchases
• Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
• Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $120 †
• Supplementary card fee: $50

RBC ® Avion Visa Platinum † : 35,000 Avion Points † with No Minimum Income

The RBC ® Avion Visa Platinum † is the entry-level product in the Avion family; however, it’s similar to the flagship Visa Infinite † in many ways.

Currently, its welcome bonus is also set at 35,000 Avion points † ,  which is also awarded upon approval for the card. †

There are a few minor differences between the RBC ® Avion Visa Platinum † and the RBC ® Avion Visa Infinite † , including the following:

• The Visa Infinite † earns 1.25 Avion points per dollar spent † on travel, whereas the Visa Platinum † earns a flat 1 Avion point per dollar spent † on all purchases
• The Visa Platinum † offers a less comprehensive insurance package – emergency medical insurance and mobile device insurance aren’t included, whereas they are included on the Visa Infinite †
• The Visa Platinum † doesn’t offer the unique dining, hotel, and events benefits that are exclusive to Visa Infinite † cards

However, the most important difference is that the RBC ® Avion Visa Platinum † has no minimum income requirement, so this would be the right choice for you if you don’t meet the $60,000 or $100,000 in personal or household annual income, respectively, required for the Visa Infinite. †

• Earn 35,000 RBC Avion points upon approval †
• Earn 1 RBC Avion point per dollar spent †  on travel purchases
• Redeem RBC Avion points with the RBC Air Travel Redemption Schedule †
• No minimum income requirement

The Best Ways to Redeem RBC ® Avion Points †

RBC ® Avion is a transferable points currency, which allows you to transfer the points you earn from any of these Avion cards to four frequent flyer programs:

• 1,000 Avion points = 1,000 British Airways Avios
• 1,000 Avion points = 1,000 Cathay Pacific Asia Miles
• 1,000 Avion points = 700 American Airlines AAdvantage  miles
• 1,000 Avion points = 10 WestJet dollars

Therefore, you have the option of converting the 35,000 Avion points † you’d earn from the welcome bonus on the RBC® Avion Visa Infinite† or RBC® Avion Visa Platinum† into any of the following:

• 35,000 British Airways Avios
• 35,000 Cathay Pacific Asia Miles
• 24,500 American Airlines AAdvantage miles
• 350 WestJet Dollars

On top of the usual transfer ratios, RBC ® is known for offering occasional transfer bonuses of 20%, 30%, or even 50% to its transfer partners.

If you’re wondering what 35,000 Avion points can get you, you may be happy to hear that it’s enough for a one-way flight in business class from Eastern North America to Spain on Iberia, assuming you can find off-peak award availability.

In addition, RBC ® features the Air Travel Redemption Schedule , which operates similarly to the Amex Fixed Points Travel program. With the Air Travel Redemption Schedule, you can redeem a fixed number of points for a flight to a certain region with a maximum cash ticket cost allowance.

With this chart, the value is capped due to the maximum ticket cost, so it’s generally recommend maximizing your opportunities with RBC ® ’s frequent flyer partners instead.

Indeed, that’s where the bulk of the value in the Avion program lies, since you can transfer to any of their partners for a desired booking and aren’t locked in to a single loyalty program.

If, however, you find yourself in a situation in which you’re looking to book a one-way or round-trip flight within Canada and the mainland US, and you aren’t able to find any satisfactory options via British Airways Executive Club or WestJet Rewards, then the RBC ® Travel Redemption Chart is a solid option.

It’ll allow you to use the 35,000 points † from two of the RBC ® Avion cards to cover the base fare of any flight within Canada or the US, excluding Hawaii and Alaska, up to a maximum of $750, so that you don’t have to worry about any award availability constraints.

The welcome bonuses on two of RBC ® ‘s Avion credit cards have been set at 35,000 Avion points, † awarded upon approval, or up to 70,000 RBC Avion points in the case of the RBC® Avion Visa Infinite Privilege†, which comes with a minimum spending requirement and a different structure.

If you’re able to combine the offers with a potential transfer bonus to one of RBC ® ’s frequent flyer partners, you’re all set to be booking some spectacular travel in 2024 and beyond.

Be sure to take advantage of the offer for the RBC® Avion Visa Infinite Privilege† by November 25, 2024,  or at your leisure with the other two cards, as they don’t have listed end dates.

†Refer to RBC ® page for up-to-date offer terms and conditions.

Share this post

Copied to clipboard!

Prince Collection is a non-traditional, full service travel concierge designed exclusively for companies and individuals who require exclusive travel arrangements. We handle the nuances of travel ensuring a seamless and extraordinary journey from start to finish.

Join the Prince Collection newsletter to get weekly updates delivered straight to your inbox.

Book your travel

Let Prince Collection’s Travel Concierge handle your exclusive travel arrangements. Get started by filling out some basic info about your trip.

Travel Medical Insurance

Emergency medical treatment can cost thousands.

Protect yourself with unlimited coverage for eligible emergency medical expenses Disclaimer 1 and 24/7 assistance.

Get a Quote

Essential coverage for canadians, classic medical plan.

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

For travellers who need emergency medical coverage for trips outside their home province or territory.

• Unlimited emergency medical Disclaimer 1
• Direct payment of emergency medical bills Disclaimer 3
• 24-hour worldwide emergency medical assistance
• No deductible payment required

See More See Less

• No health questions required
• Stable Opens in new window pre-existing medical conditions are covered Disclaimer 2
• Single trip and multi-trip annual plan options Opens in new window
• 9-, 16-, 30- and 60-day trip duration options available for multi-trip annual plans (call for 30- and 60-day options)
• Family plan pricing available

Policy Documents:

For complete coverage details, limitations and exclusions, see:

• Classic Medical (Single Trip) Opens PDF in new window
• Classic Medical (Multi-Trip Annual) Opens PDF in new window

TravelCare ® Medical Plan

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

For travellers age 65 and up who need emergency medical coverage for trips outside their home province or territory.

• A few health questions are required
• Stable Opens in new window pre-existing conditions may be covered depending on the TravelCare Category Opens in new window for which you qualify
• TravelCare Medical (Single Trip) Opens PDF in new window
• TravelCare Medical (Multi-Trip Annual) Opens PDF in new window

4-Day Getaway Multi-Trip Annual Medical Plan

For travellers who want the ability to take unlimited quick trips outside their home province or territory in the next year for one low price.

• No medical questions and no health exam
• Stable Opens in new window pre-existing conditions are covered
• Family plan pricing available (to age 59)
• 4-Day Getaway Multi-Trip Annual Medical Plan Opens PDF in new window

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

View Legal Disclaimers Hide Legal Disclaimers

• Scotiabank Business Account Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Scotiabank Basic Business Account Review 2024

Published: Jul 5, 2024, 11:22am

Fact Checked

Table of Contents

Account basics, other accounts and services.

• Pros & Cons

How the Account Stacks Up

Frequently asked questions (faq).

Scotiabank is one of Canada’s Big Six banks and offers a host of financial products, including credit cards , mortgages , bank accounts, and banking solutions for small businesses. The Scotiabank Basic Business Account is one such offer, the most elementary offering of their three business banking plans, which also include the Right Size Account for Business and the Select Account for Business.

Featured Partners

Simplii HISA

On Simplii Financial’s Website

0.40% – 5.50% for eligible deposits

Minimum Deposit Requirement

Other Features

No maintenance or monthly fees. Set up automatic deposits. From May 1st to July 31st, 2024. Get a special interest rate – Earn 5.90% interest for 5 months on your first Simplii Financial High Interest Savings Account. Limits apply.

EQ Bank Personal Account

On EQ Bank’s Website

Monthly Maintenance Fee

This account is true to its name—basic. That said, it does offer services in Canadian and U.S. dollars, which is a boon to businesses operating in Canada and the U.S.

In addition, this account has a $10.95 monthly fee, which is waived if the monthly minimum balance is over $8,000.

This account is extremely limited in terms of transactions, only offering one transaction per $1,500 in the account.

The account is compatible with Chase Merchant Services, offering speedy, next-day access to funds from the Point-of-Sale service.

Scotiabank offers a plethora of other accounts and services, including:

Scotiabank Right Size Account for Business

This account has a monthly fee of $6 and charges for transactions based on the number of transactions you make per month. If you make 1 to 15 transactions per month, you’ll pay $1.25 per month, 16 to 50 transactions will cost $1.15, and over 51 transactions will cost $1 per transaction. It’s also compatible with Chase Merchant Services, offering next-day funds but no deposit fees on payment processing.

Scotiabank Select Account for Business

The Scotiabank Select Account for Business allows users to select one of four plans, ranging in monthly fees from $20 on the low end and $120 on the high end. They also include transaction fees, minimum monthly balances and additional transaction fees.

Other Business Accounts

Scotiabank also offers other business accounts tailored to specific businesses, including:

• Scotia Professional Plan Plus Account: A business solution for those with a high volume of transactions.
• ScotiaOne Account Plan for agriculture: A banking plan tailored to the agricultural industry.
• Scotia Community Account Plan: A plan for smaller charities and community groups to help maximize donation dollars.

Business Credit Cards

Pros & cons.

• Banking with Canadian or U.S. dollars
• Compatible with Chase Merchant Services
• Only one transaction per $1,500 in the account
• Monthly fee of $10.95 is only waived if $8,000 monthly minimum balance is maintained

Scotiabank Basic Business Account vs. Scotiabank Right Size Account for Business

The Scotiabank Basic Business account pails in comparison to the Scotiabank Right Size Account for Business. Consider that the Basic account has a $10.95 monthly fee and only offers one transaction per $1,500 balance. On the other hand, the Right Size account has a $6 monthly fee and charges for transactions based on how many you make. Like the Basic account, it’s compatible with Chase Merchant Services, offering next-day funds—but it also offers no deposit fees on payment processing from Chase. That said, the Scotia account does have the advantage of operating in both U.S. and Canadian currency.

Scotiabank Basic Business Account vs. TD Basic Business Plan

The TD Basic Business Plan is similar to the Scotia plan in that it’s only designed for a few monthly transactions. With the TD Basic plan, the monthly fee is lower, at just $5, and you get five deposits and five transactions. Extra deposits are $0.22 each and $1.25 for additional transactions. The Scotia plan has a higher monthly fee and no free transactions. However, the Scotia Basic account is better for banking in U.S. dollars.

Related: TD Business Banking Review

Scotiabank Basic Business Account vs. RBC U.S. Dollar Business Account

The Scotiabank Basic Business Account and the RBC U.S. Dollar Business Account can handle U.S. currency. The RBC account has a fee of $9 USD, which is waived if the monthly transaction fees exceed that amount or the balance is $2,500 USD or more. The Scotia account has a similar monthly fee but can also operate in Canadian currency, making it the better choice for businesses in Canada and the U.S.

Which bank is best for a business account in Canada?

There is no single best business account in Canada because every business is different and has different needs. When looking for a business account, consider things such as:

• The currency you want transactions to take place in
• The number of transactions you need per month
• The monthly fees you’re comfortable with
• The services your business needs most and what you’re willing to pay for them

How do I transfer money from my personal account to my Scotiabank business account?

You can transfer funds from a personal account to a Scotiabank business account, similar to how you’d transfer funds between personal accounts. Use your online banking services or in-person services to initiate the transfer.

What accounts does Scotiabank offer?

Scotiabank offers a variety of accounts, including:

• Chequing accounts
• Savings accounts
• Seniors bank accounts
• Student accounts
• Business accounts
• Registered Retirement Savings Plans (RRSP)
• Tax-Free Savings Accounts (TFSA)
• Registered Education Savings Plan (RESP)
• First Home Savings Account (FHSA)
• Registered Retirement Income Fund (RRIF)
• Registered Disability Savings Plan (RDSP)
• Best High Interest Savings Accounts
• Best No-Fee Chequing Accounts
• Best Savings Accounts
• Best Online Bank Accounts
• Best U.S. Dollar Chequing Accounts
• Best Student Chequing Accounts
• Best RRSP Savings Accounts In Canada
• Best TD High-Interest Savings Accounts
• Best Joint Savings Accounts
• Best Scotiabank Savings Accounts
• Best Scotiabank Chequing Accounts
• Best TD Chequing Accounts
• Best EQ Savings Accounts
• Best Chequing Accounts
• Best Tax-Free Savings Accounts
• Best Online Banks In Canada
• Best Budgeting Apps
• Best BMO Chequing Accounts
• Best CIBC Chequing Accounts
• Best BMO Savings Accounts
• Best Bank Accounts For Teenagers
• EQ Bank Review
• WealthSimple Review
• Royal Bank Of Canada (RBC) Review
• Simplii Financial Review
• BMO Bank Of Montreal Review
• RBC Business Banking Review
• Laurentian Bank Review
• Tangerine Bank Review
• TD Business Banking Review
• EQ Bank TFSA Review
• Neo High-Interest Savings Account Review
• Tangerine Chequing Account Review
• Compound Interest Calculator
• Income Tax Calculator
• Bank Draft Vs. Certified Cheque Vs. Money Order
• What Is A Void Cheque?
• What Is A Canada PRO Deposit?
• What Is A Routing Number In Canada?
• Prime Rate In Canada
• Interac e-Transfer
• Can You Deposit Cash At An ATM?
• What Is A Bank Institution Number?
• ATM Withdrawal Limits: What You Need To Know
• What Is A Bank Draft?
• What Is A Transit Number In Canada?
• How To Close A Bank Account
• Bank Withdrawal Fees And How To Avoid Them
• How To Read A Cheque
• Types Of Bank Accounts
• What Is A Money Order And How Does It Work?

More from  

Your complete guide to direct deposit, eq bank vs. tangerine bank 2024, td business banking review 2024, what is the 50/30/20 rule, tangerine bank review 2024: no ‘unfair fees’ and unlimited transactions, fixed vs. variable expenses: what’s the difference.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

• Find a Branch
• Call 1-800-769-2511

RBC VIP Banking

The most valuable features we offer – in a single account.

+ Get the new Apple Watch Series 9 when you open this account. 1 Terms and conditions apply. Offer ends June 3, 2024.

+ Get iPad 1 Offer Ends August 13, 2024. Terms and Conditions Apply. See Details

$30/month 2 or less with the Value Program Rebate 3

Offer Ends August 13, 2024. Terms and Conditions Apply.

Everyday benefits with this account

No minimum balance

Earn rewards on everyday purchases

Free Interac ‡ e-Transfer transactions 4, 5

Save 3¢/L on gas at Petro-Canada 6

Monthly fees waived on three additional personal accounts

Get monthly fees waived on two additional CAD accounts and one USD account. legal disclaimer 7

ATM withdrawal fees waived legal disclaimer 8, legal disclaimer 9

Interac ‡ and PLUS System ATM withdrawal RBC fees waived (does not apply to surcharges or convenience fees charged by other ATM operators).

Unlimited Debit Transactions

Use your account as often as you want! With unlimited debit transactions in Canada, you can buy, send, withdraw and transfer without having to keep track of your transactions.

Get unlimited debit transactions on 3 additional personal accounts.

Up to $120 rebate on annual credit card fees

As a VIP Banking account holder, you get up to a $120 rebate on the annual fee of an eligible credit card. legal disclaimer 10

As a VIP Banking account holder, you get up to a $120 rebate on the annual fee of an eligible credit card legal disclaimer 10 :

Annual Fee $48 $0

RBC Avion Visa Infinite

Logo for RBC’s Right Account Guarantee

Right Account Guarantee

If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees. legal disclaimer 11 That's our Right Account Guarantee.

Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee. legal disclaimer 12

Account Fees

Regular Price

Senior legal disclaimer 13 Price

$22.50/month

with the Value Program Rebate legal disclaimer 14

as low as $18.05/month

Save with the Value Program Rebate legal disclaimer 14

Get more from your everyday banking when you enrol any of your eligible RBC bank accounts legal disclaimer 23 in the Value Program. The more product categories you have, the more you earn and save.

Bank Account

$30/month legal disclaimer 2

Your Savings and Rewards

Monthly Fee legal disclaimer 2

after $0 rebate *, legal disclaimer 14

Avion point legal disclaimer 15

spent on debit

Monthly Fee

Avion legal disclaimer 15 point

*For each enrolled account, you must also complete at least 2 out of 3 regular account activities (pre-authorized payment, direct deposit or eligible bill payment) each month to receive the monthly fee rebate.

More Account Features

Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more. There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card. Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.

Earn a minimum of 1 point per $10 spent

Once eligible account is enrolled in the Value Program

Bank drafts legal disclaimer 16

12 FREE/year, $9.95 each thereafter

Overdraft Protection legal disclaimer 17

Up to $10,000 at no extra cost

Regular overdraft interest applies, subject to credit approval

Safe Deposit Box legal disclaimer 18

Up to $60/year discount on regular fees

Stop Payment

Free stop payments on operating account only

Cross Border Debits legal disclaimer 9, legal disclaimer 19, legal disclaimer 20

Personalized Cheques legal disclaimer 19

FREE personalized cheques in Royal Bank VIP style on operating account

Regular cheque printing fees apply for U.S. personal account cheques

RBC Direct Investing legal disclaimer 21

RBC Direct Investing maintenance fee waived

Non-Sufficient Funds (NSF) Fee

1 NSF fee rebated every calendar year legal disclaimer 22

Not sure if this account is right for you?

Help me choose.

Answer a few questions and we’ll suggest the accounts that best match your needs.

Compare Chequing Account Features

See our range of accounts and compare the features that are important to you.

Speak to an Advisor

Book a virtual appointment with an advisor: 1-800-769-2561 (Open 24/7).

Unlock More From Your Everyday Banking

With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. legal disclaimer 23 Only at RBC.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases. legal disclaimer 15

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card. legal disclaimer 6

Image of RBC Mobile app with Card Lock feature enhanced

Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 24 app. Unlock it just as fast.

Offers from the brands you love

Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands. legal bug 25

Explore Other Accounts

Rbc day to day banking.

The Essentials

• 12 debits / month, $1.25 each thereafter
• Unlimited public transit purchases with no debit transaction fee 26
• Optional overdraft protection 17

RBC Advantage Banking

Unlimited Debits & More

Chequing Account

To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion. Close

• Unlimited debit transactions in Canada
• No RBC fee to use another bank’s ATM in Canada 8

RBC Signature No Limit Banking

Unlimited Debits & Even More

• $12.95 / month with the Seniors Rebate legal disclaimer 13
• Up to $48 credit card annual fee rebate legal disclaimer 29
• Unlimited public transit purchases with no debit transaction fees 26

Top Bank Account Questions

No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebate legal disclaimer 14 and the Seniors Rebate legal disclaimer 13 on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.

If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.

No, RBC Vantage isn’t a bank account—it describes all of the powerful benefits you get with any eligible RBC bank account.

Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.

There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account legal disclaimer 15 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.

Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.

Learn more about Avion Rewards .

NOMI Find & Save is a free service that makes savings simple and effortless. It's a smart, predictive and personalized savings solution that looks for pockets of money in your cash flow to automatically save.

NOMI Find & Save will move money from your source Chequing account up to three times per week. Since NOMI Find & Save understands your transaction behaviours, it will not set aside more savings than you can afford. There is no need for you to add money directly. NOMI Find & Save finds and saves the money for you. What's more, deposit interest is calculated daily and paid monthly on the balance saved and held in your NOMI Find & Save.

In addition, NOMI Find & Save identifies upcoming cheques and pre-authorized payments in excess of your source account balance and automatically moves money into the source account to avoid fees.

To enrol, simply sign in to RBC Mobile, tap "More" and then tap "Find & Save". If you are eligible, you will be presented with the Getting Started page. You will receive push notifications alerting you every time money is saved to help balance savings and day to day banking. If push notifications for your RBC Mobile app have been disabled, they can be re-enabled at any time through device settings. Alerts will also be sent to your Alerts Inbox within the RBC Mobile app.

You can access your money in NOMI Find & Save anytime by going to your NOMI Find & Save details and selecting Transfer Money. From there you will be able to transfer any amount available in NOMI Find & Save back into any eligible chequing or savings account. You can do this from within the RBC Mobile app or through RBC Online Banking.

If you are opening a new account , you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.

If you already have an eligible bank account , an RBC advisor can enrol your account in the Value Program for you. Please book an appointment , call 1-800-769-2511 or visit a branch .

RBC Online and Mobile Banking legal disclaimer 24 maintain the highest security standards.

Every time you access your account, you’re protected with the latest security and encryption features. These, along with timed automatic logouts, ensure the safety and privacy of your personal information.

We also offer our RBC Online Banking Security Guarantee+ to protect you against unauthorized transactions.

There are some simple steps you can take to ensure the security of your information and the protection of your privacy:

• Protect your password. It's your key to accessing your accounts. Don't reveal it to anyone.
• Memorize your password. Never write it down or store it on your smartphone.
• Don’t choose passwords that include your name, telephone number, address or birthday or those of any close friend or relative.
• Never share your device passcode or leave your smartphone unattended while using the RBC Mobile app.
• Ensure that you download the app created by Royal Bank of Canada. Just to be safe, you can go to our site at www.rbcroyalbank.com/ways-to-bank/mobile/rbc-mobile-app/index.html , select your device and you will be directed to our app on the appropriate store.

Please visit our Privacy and Security page for more detailed information.

+ For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement . This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.

RBC Royal Bank offers a variety of personal banking credit cards including:

• Low Interest Rate
• No Annual Fee

We also have Commercial Banking and Small Business credit cards. Learn more about Personal Banking RBC Credit Cards or RBC Business Credit Cards .

View Legal Disclaimers Hide Legal Disclaimers

• transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
• transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
• transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
• Interac ‡ Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac ‡ Online Payment; and
• any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac ‡ Online Payment.
• you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
• you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
• you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
• you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
• you share any of your Passwords or Personal Verification Questions; or
• you consent to, contribute to or authorize a transaction in any way.

Save with the Value Program Rebate legal bug 1

Get more from your everyday banking when you enrol any of your eligible RBC bank accounts legal bug 4 in the Value Program. The more product categories you have, the more you earn and save.

$16.95/month legal bug 2

after $0 rebate * , legal disclaimer 10

Avion point

Monthly Fee legal bug 2

after $0 rebate *, legal bug 1

Avion point legal bug 3

By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit ® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions .

The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.

When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions .

The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.

$11.95/month legal bug 2

$30/month legal bug 2

$4/month legal bug 2

after $0 rebate * , legal disclaimer 2

after $0 rebate *, legal disclaimer 2