The RBC Avion Credit Card has earned a reputation as one of Canada’s best premium travel rewards cards, offering unmatched flexibility, valuable redemption options, and elite customer perks. But what truly sets the Avion Visa apart goes beyond what most websites mention — hidden benefits, special qualification criteria, and subtle factors that can determine your approval success.
In this guide, we’ll explore lesser-known advantages, detailed application steps, and strategic tips that increase your chances of approval. Whether you’re a seasoned traveler or an ambitious professional looking to elevate your lifestyle, understanding the inner workings of the RBC Avion Visa can help you make a smarter financial move.
Additional Benefits You Might Not Know About
1. Exclusive Concierge and Lifestyle Access
Beyond the standard travel rewards, RBC Avion cardholders enjoy access to a 24/7 concierge service capable of handling luxury travel arrangements, event reservations, and even last-minute personal requests. It’s an underrated perk that turns the Avion into a lifestyle companion, not just a payment method.
2. Annual Travel Redemption Boost
Every year, RBC offers select Avion members a “Redemption Boost Window” — a limited period when points can be redeemed for greater value toward flights and vacation packages. Savvy users can save hundreds of dollars by timing their redemptions strategically during these windows.
3. Premium Airport Lounge Access Opportunities
While not automatically included, Avion cardholders can often qualify for discounted or complimentary lounge memberships through promotional partnerships with Plaza Premium or Priority Pass. This perk isn’t widely advertised but frequently offered to loyal or high-spending customers.
4. Partner Hotel Upgrade Programs
Through Avion’s premium partnerships, travelers can enjoy complimentary room upgrades, early check-ins, and exclusive rates at participating luxury hotels. These deals often change seasonally, rewarding repeat cardholders who stay active in the program.
5. Extended Purchase and Warranty Protection
The card automatically doubles the manufacturer’s warranty on most eligible purchases and includes 90-day purchase protection against damage or theft. This benefit can translate into hundreds of dollars in savings over time for electronics, appliances, and travel accessories.
Prerequisites to Apply for the RBC Avion Credit Card
Before applying, understanding the qualification requirements can save time and improve your approval odds. RBC uses multiple financial and behavioral factors to assess eligibility.
1. Minimum Income Requirement
While not publicly disclosed in detail, the recommended annual income for RBC Avion approval is typically $60,000 for individuals or $100,000 for households. Applicants below these thresholds may still qualify with strong credit history and limited debt.
2. Credit Score Expectation
A credit score above 700 is ideal. However, RBC may approve applicants with slightly lower scores if they have a long credit history, stable employment, or existing banking relationships with the Royal Bank of Canada.
3. Residency and Age Criteria
You must be a Canadian resident, at least 18 or 19 years old depending on your province. Permanent residents and long-term visa holders with established credit files may also apply.
4. Proof of Stable Income or Employment
RBC often requests recent pay slips or tax documentation for verification. Self-employed applicants may need to submit business financials or notice of assessment from the CRA.
5. Existing RBC Relationship Advantage
Having an RBC bank account, mortgage, or investment can improve approval likelihood, as the bank views loyal customers as lower-risk applicants.
Frequently Asked Questions (FAQ)
Q1: How long does it take to get approved for the RBC Avion Credit Card?
Most applicants receive a response within minutes online, though some applications may require manual review and can take 5–7 business days.
Q2: Can I convert my existing RBC card to an Avion card?
Yes. If you already hold another RBC credit card, you can upgrade to Avion through your online banking or by contacting customer support. Your credit limit and account age typically remain unchanged.
Q3: Do Avion points expire?
No. RBC Avion Rewards points never expire as long as your account remains open and in good standing, making it one of the most flexible programs in Canada.
Q4: Are there foreign transaction fees?
Yes, standard 2.5% foreign exchange fees apply. However, the rewards earned often offset this cost for frequent travelers.
Q5: What makes Avion better than other travel cards like Aeroplan or Amex?
Unlike brand-restricted programs, Avion Rewards offer complete travel freedom, allowing you to book with any airline and transfer points to multiple loyalty partners. This makes it more versatile than most travel cards on the market.
Step-by-Step Guide to Apply for the RBC Avion Credit Card
Applying for the RBC Avion is simple, but following a structured approach can increase your approval success:
Step 1: Review your credit score using an accredited bureau like Equifax or TransUnion to ensure it meets the recommended threshold.
Step 2: Gather key documents — proof of identity, income, and Canadian residency.
Step 3: Visit the official RBC application page or apply directly through your RBC Online Banking portal.
Step 4: Complete the form accurately, double-checking details like employment status, annual income, and housing type.
Step 5: Review terms, confirm your consent for a credit check, and submit your application.
Step 6: Wait for an instant or email-based response. If approved, you’ll receive your RBC Avion Credit Card by mail within 7–10 business days.
Step 7: Once activated, register your card in the RBC Avion Rewards portal to start tracking points and offers immediately.
Expert Tips to Improve Your Approval Chances
1. Build a Positive Relationship with RBC Before Applying
Open a checking or savings account, or set up direct deposits with RBC. Having an established financial history with the bank demonstrates reliability and can reduce perceived risk.
2. Keep Your Credit Utilization Below 30%
Even if your income qualifies, high utilization across multiple cards can flag you as a risk. Paying off balances before applying increases your approval odds.
3. Avoid Multiple Credit Inquiries
Submitting several credit applications within a short time can harm your score. Limit new applications in the 3–6 months prior to applying for the RBC Avion card.
4. Include Total Household Income When Applicable
If applying jointly or as part of a household, report combined income to meet or exceed the minimum income threshold more comfortably.
5. Highlight Existing RBC Assets
When applying in-branch or through a representative, mention any RBC loans, investments, or business accounts. These strengthen your profile and increase approval potential.
6. Apply During Promotional Periods
RBC occasionally relaxes qualification standards during limited-time offers or bonus point events, making it slightly easier to get approved while also earning extra rewards.
Final Thoughts
The RBC Avion Credit Card remains a powerhouse for Canadians seeking flexible travel rewards, elite benefits, and financial prestige. Understanding its hidden advantages and knowing how to position yourself for approval can make all the difference.
Apply strategically, leverage your relationship with RBC, and you could soon be enjoying first-class travel experiences powered by one of Canada’s most trusted financial institutions.
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