rbc rewards preferred visa travel insurance

RBC Rewards Visa Preferred   🇨🇦

• Earn 1 RBC Rewards point for every $1 in purchases charged to your card.
• Receive 2,500 RBC Rewards points as a sign-up bonus
• Benefit from a complete insurance coverage

Fees & Conditions

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

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Trip Cancellation and Interruption Insurance

Things don't always go as planned.

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

Get a Quote

Financial protection for your trip expenses.

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

Before Departure Disclaimer 1

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

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Policy Documents:

For complete coverage details, limitations and exclusions, see:

After Departure Disclaimer 1

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

Other Expenses Disclaimer 1

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

Do you need medical coverage, too?

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

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

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Trip Cancellation and Interruption Insurance for RBC Clients 1

Things don't always go as planned.

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

Get a Quote

Financial protection for your trip expenses.

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

Before Departure 2

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

See More See Less

Insurance Documents:

For complete coverage details, limitations and exclusions, see:

• Trip Cancellation and Interruption
• Trip Cancellation and Interruption Quebec Documents

After Departure 2

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

Other Expenses 2

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

Do you need medical coverage, too?

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

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

Have an RBC Royal Bank credit card with travel coverage?

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

See If My Card Covers Me

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Travel HealthProtector Has Been Replaced with New and Improved Coverage!

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

RBC clients 1 can now enjoy:

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

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

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Travel Insurance Quote

Who can purchase this travel insurance.

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)

Note: when you purchase travel insurance from us, you are enrolling in coverage under a group insurance master policy issued by RBC Insurance Company of Canada to RBC Royal Bank. Upon enrollment, a certificate of insurance will be issued to you together with the insurance application/confirmation of coverage and medical questionnaire (if applicable). The certificate of insurance contains the terms and conditions of your insurance coverage and together with the items listed above form part of your insurance contract.

What do you need coverage for?

Choose a trip type to help us provide a quote recommendation on the type of coverage that may be right for you.

Please note that a Multi-Trip quote will not factor in your credit card’s travel insurance coverage. This is because credit card coverage can be calculated for Single Trip quotes only. If you want to see what your credit card will cover, we recommend starting with a Single Trip quote first.

Travel Insurance is underwritten by RBC Insurance Company of Canada.

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Canada’s 7 Best RBC Credit Cards

RBC is one of Canada’s leading Big 5 banks, offering a variety of travel and cash back credit cards.

Here are our picks for the best RBC credit cards in Canada.

Best RBC Credit Cards

Best overall rbc credit card.

• Earn 35,000 RBC Avion points † when you get approved for the card
• Plus, earn  20,000 RBC Avion points † upon spending $5,000 in the first six months
• Earn 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 †

The RBC Avion Visa Infinite is RBC’s core travel credit card. You’ll earn 1.25 Avion points per dollar spent on travel, and 1 point per dollar spent on all other purchases.

Avion points are one of the few transferable rewards currencies in Canada, making them very valuable. There are some good sweet spots with any of their transfer partners, including British Airways Avios , Cathay Pacific Asia Miles , and American Airlines AAdvantage. It’s often best to wait for a transfer bonus, which could net you 10–50% more points depending on the partner program.

For straightforward round-trip flights in economy class, you can also score great value with the Air Travel Redemption Schedule. You can redeem your rewards for up to 2 cents per point for most destinations. If you book this way through the RBC Rewards centre, you can also use your points to cover taxes and fuel surcharges.

As an added bonus, RBC has special promotions for Avion cardholders. Check the offers on your account from time to time, and you can earn discounts or additional Avion points for using your card to make purchases at merchants like Best Buy, Indigo, Apple, Rexall, or HelloFresh. There’s also an ongoing benefit of discounts and extra points at Petro-Canada.

The card also has some unique insurance benefits, like a high amount of hotel burglary coverage and mobile device insurance. A mid-tier card with a manageable annual fee, the RBC Avion card is always useful to have in your wallet for those types of purchases and bookings.

If you don’t qualify with at least $60,000 annual personal income or $100,000 annual household income, you can apply for the RBC Avion Visa Platinum. You’ll get all of the same earning and redemption opportunities (except for bonus points earned on travel purchases) and the same annual fee, just with no minimum income requirement.

Best Premium RBC Credit Card

• Earn 35,000 RBC Avion points† when you get approved for the card†
• Then, earn 20,000 RBC Avion points†  upon spending $5,000 in the first six months †
• 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 †

The RBC Avion Visa Infinite Privilege is RBC’s top-tier card. It’s a step up from their other cards, earning 1.25 Avion points per dollar spent on all purchases.

As for travel benefits, you’ll get a better insurance package, as well as a complimentary DragonPass membership with six annual free lounge visits, as is standard on all Visa Infinite Privilege cards.

But perhaps the most intriguing advantage of this card is that you can redeem your Avion rewards at a rate of 2 cents per point for any business class flight. If you can find some cheap cash fares, you can score some flights this way for even better value than you might find with frequent flyer programs.

Best RBC Mastercard

• Earn 250 WestJet dollars upon making your first purchase†
• Plus, earn 200 WestJet dollars upon spending $5,000 in the first three months†
• Plus, receive an annual companion voucher for discounted travel on WestJet flights, with a co-pay starting at $119 plus taxes and fees†
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $119

The WestJet RBC World Elite Mastercard is RBC’s go-to travel-oriented Mastercard.

You’ll earn 1.5 WestJet Dollars per 100 dollars spent, good for 1.5% back. You can use your rewards to cover payments for WestJet flights or WestJet Vacations.

The card’s best feature is its annual companion voucher. Every year, including your first year with the card, you can book a second round-trip ticket with a reduced base fare when you pay full price for your own seat. You’d still have to pay $119 to $399 plus taxes and fees, depending on the destination, but these rates can represent steep discounts if you travel in high season.

Best RBC Credit Card for Daily Spending

• Earn 3,500 Avion Premium points upon approval †
• Plus, earn  3,500 Avion Premium points  upon spending $500 in your first three months†
• Earn 3x points † on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
• Mobile device insurance †
• Monthly fee: $4 †

The RBC ION+ Visa is an intriguing option for spenders who want to earn enticing travel rewards while keeping credit card fees down.

The card has a monthly fee of just $4, while earning a hefty 3 points per dollar spent on a wide range of lifestyle categories, including groceries, dining, commuting, and entertainment subscriptions.

As an ION+ cardholder, you’ll earn points at the Avion Premium tier. Aside from WestJet, you can’t transfer these points to airline partners or use the Air Travel Redemption Schedule. As an ION+ cardholder, you’ll miss out on the very best ways to stretch your value with the trio of Oneworld airline programs of British Airways Avios, Cathay Pacific Asia Miles, and American Airlines AAdvantage.

Luckily, you can easily upgrade the card to an Avion card. This moves your cardholder status to Avion Elite, which lets you transfer Avion Rewards points to frequent flyer programs.

If you have an RBC ION+ Visa and an Avion Visa, you can transfer your Avion Premium points into Avion Elite points. This is an ideal setup, as you can earn at elevated rates with the RBC ION+ Visa, while redeeming in the most valuable ways as Avion Elite points.

Best No Fee RBC Credit Card

• Earn 1.5x Avion Premium points † on qualifying grocery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
• Annual fee: $0

The RBC ION Visa is the best entry-level card offered by RBC. You can earn 1.5 points per dollar spent on groceries, dining, and other lifestyle categories, and 1 point per dollar spent everywhere else.

You can redeem your Avion Rewards points for gift cards at a rate of 1 cent per point, although with frequent discounts of 30%, you can often get a rate of 1.43 cents per point. If you wait for these promotions, you can significantly increase your returns on daily spending, which you can’t do on most no-fee cards.

Otherwise, like with the ION+ card, you can upgrade the ION card to an Avion card to take advantage of exclusive airline transfer partners available to Avion Elite cardholders, or hold both and transfer your Avion Premium points into Avion Elite points.

If you can’t qualify for a higher-tier card initially, the ION card is a great starting point as you begin making plans for future travel with the three Oneworld programs.

Best Cash Back RBC Credit Card

• Earn 2% cash back † on groceries, up to $6,000 spent
• Plus, earn 1% cash back † on grocery and non-grocery purchases above $6,000
• 0.5% cash back † on non-grocery purchases up to $6,000

The RBC Cash Back Mastercard has an interesting rewards structure. Your earn rates will vary depending on how much you spend in different categories.

You’ll earn 2% cash back on your first $6,000 of grocery purchases each year; then your rewards rate drops to 1%. You’ll also earn 0.5% on your first $6,000 of other purchases each year; then your rewards rate increases to 1%.

If most of your spending is on groceries, you’ll be hard-pressed to find a no-fee card that earns more than 2%. And if you exceed $500 per month on average, at that level you’re probably better off swallowing a modest fee for bigger rewards.

If you’re a high-volume spender in other categories and you’ll easily reach the 1% rate, that’s a great return for an entry-level cash back card that doesn’t face the same acceptance issues as American Express cards.

Best RBC Credit Card for Business Owners

• Earn 35,000 RBC Avion points when you get approved for the card
• Plus, earn 1.25x RBC Avion points on all purchases
• Use your rewards for any business class or First Class flight with no restrictions on dates, seats, or airlines
• Transfer points to one of four airline partners
• Qualify for the card with a registered business
• Annual fee: $175 (rebated in the first year)

The RBC Avion Visa Infinite Business is the go-to choice for business owners looking to rack up points for business travel.

You can transfer your Avion points to RBC’s Oneworld airline partners, use the RBC Air Travel Redemption Schedule for economy flights, or credit your points against any business class flight at a rate of 2 cents per point.

The card earns 1.25 Avion points per dollar spent on your first $75,000 in purchases per year, or 1 point thereafter. It also comes with a solid suite of travel insurance coverage.

You can have these unique high-value perks like extra Avion points on spending and 2 cents per point redemptions for premium class tickets, all for an annual fee of just $175.

Compared to the RBC Avion Visa Infinite Privilege and its $399 annual fee for those same benefits, you should definitely see if you have an opportunity to get this business credit card instead.

RBC Credit Cards: What You Need to Know

When choosing an RBC credit card, you should familiarize yourself with what benefits a RBC credit card can offer, what features to look out for, and how RBC credit cards can fit into an optimized overall credit card strategy.

Why get an RBC credit card?

Overall, RBC’s credit cards have modest welcome bonuses and everyday earn rates. Instead, the biggest appeal is their unique airline partners.

RBC Avion points are transferable to frequent flyer programs with three airlines ( British Airways , Cathay Pacific , and American Airlines ) that are members of the Oneworld alliance. You can then book partner award space from these loyalty programs. RBC also has co-branded credit cards for British Airways and Cathay Pacific .

This gives you some new options for travel, as other Canadian banks put more of an emphasis on Air Canada’s Aeroplan program and its Star Alliance partners. Also, RBC is the only Big 5 Canadian bank with a transferable points currency, offering both flexibility and the potential for very high value redemptions.

Additionally, RBC opens the door to the SkyTeam alliance. Although WestJet isn’t a member, they have codeshare agreements with several SkyTeam airlines like Delta, Air France, and KLM, and you can use WestJet dollars on those routes. Whether with the co-branded WestJet RBC World Elite Mastercard or by transferring RBC Avion points, there are quite a few ways to earn WestJet Dollars from RBC.

As the cherry on top, RBC runs promotions where you can get a 10–50% bonus for transferring points to airlines or redeeming them for gift cards. Other banks don’t do this as often, if at all, and it’s rare to be able to exchange points for gift cards at a similar value as travel redemptions.

Finally, if you bank with RBC, you can get a MultiProduct Rebate if you have an RBC credit card. Since it reduces your monthly banking fees, there’s no reason not to have a card, even if it’s just a basic one with no annual fee.

What should you look for in an RBC credit card?

RBC has a mix of cards for different purposes:

• RBC’s Mastercards include their WestJet co-branded cards and cash back cards
• RBC’s Visa cards make up the rest of their travel products, including the full Avion Rewards line as well as co-branded cards with British Airways and Cathay Pacific

RBC’s primary travel rewards program is officially known as Avion Rewards. As a cardholder of any credit card that earns Avion points, you’re an Avion Premium member, meaning you can redeem points for travel bookings, merchandise, gift cards, or WestJet Dollars. Travel redemptions booked through Avion Rewards can be made for 1 cent per point.

Meanwhile, Avion-branded credit cards are a subset of Avion Rewards. These cardholders are considered Avion Elite members with additional premium travel redemption options:

• All Avion cardholders can use the Air Travel Redemption Schedule, a region-based chart with fixed points prices for round-trip travel between Canada and each zone. You can book any seat on any flight, up to a maximum cash fare. If you’re able to maximize the chart’s sweet spots, you should expect to be able to redeem your rewards for around 2 cents per point.
• All Avion cardholders can transfer points to British Airways Avios, Cathay Pacific Asia Miles, or American Airlines AAdvantage.
• Visa Infinite Privilege and Visa Infinite Business cardholders can also use points for business class and First Class flights, at a fixed rate of 2 cents per point, with no limit per booking. This can be a very lucrative upgrade from the regular rewards rate of 1 cent per point for all travel bookings.

Aside from transferring your Avion points, you can earn airline miles directly on a British Airways or Cathay Pacific co-branded card, if you’d prefer. These cards have features like an annual companion fare or an anniversary bonus for second-year cardholders.

All of RBC’s cards come with the standard benefits for their card tier:

• All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
• In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year
• All World Elite Mastercards come with a DragonPass membership (although no free passes from RBC) and in-flight Boingo Wi-Fi

RBC frequently offers First Year Free promotions or larger welcome bonuses for new signups for their Avion Visa Infinite and WestJet World Elite cards. It’s generally best to wait for one of these opportunities before applying.

If your personal or household income isn’t high enough to qualify, see if you’re eligible for a lower-income variant of the same card.

Often RBC will have the same offer for both cards, or downgrade your application for the premium product if necessary, so you can still earn many of the same perks and welcome bonuses.

What’s the optimal strategy for RBC credit cards?

RBC offers the most powerful rewards and travel benefits among the Big 5 Canadian banks, and is second only to American Express credit cards among all Canadian issuers.

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, RBC credit cards should have a significant presence in your wallet.

For international travellers, by transferring Avion points to one of the Oneworld airline partners (often with a 10–50% transfer bonus) or by earning miles directly with the British Airways or Cathay Pacific co-branded cards, you can redeem miles for long-haul international flights for a much higher value than by redeeming Avion points for flights directly.

For domestic travellers, booking flights through the Air Travel Redemption Schedule and collecting WestJet Dollars can help you cover a fair chunk of your domestic flights, too.

While the individual welcome bonuses on each RBC credit card might not be world-beating, there are quite a few different RBC credit cards you can apply for, and you can stack all of these welcome bonuses into a concentrated points balance in either Avion or one of the partner programs (Avios, Asia Miles, or WestJet).

RBC is also known to grant the welcome bonus upon switching your card from one product to a new one, allowing you to pick up new welcome bonuses while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best RBC credit cards in Canada.

Can I have more than one RBC credit card at the same time?

Yes, but you can typically only be approved for one card every 90 days. If you apply sooner, you’ll almost certainly be automatically rejected, and the 90-day waiting period will reset.

Which credit bureau does RBC check?

RBC always checks TransUnion.

Can I do a product switch with RBC?

Yes, and you can often get the same welcome bonus upon switching to a credit card as when submitting a new application, unless it’s an elevated offer that’s specific to new applicants only.

Can I get RBC business cards?

Yes, you can easily apply as a sole proprietor doing business as your own name. However, expect RBC to ask for business registration documents .

I’ve got the RBC Avion Visa Infinite and RBC Westjet World Elite card. For an upcoming travel booking is it better to transfer my avoin points to Westjet cash to pay for the booking or pay the remaining balance on the Avion card and apply the points to the balance?

Does a product switch count as an application and I have to wait 90 days after that? Also I heard rumour that you can hold both the RCB Avion Platinum and the Infinite (not privilige) at the same time? Is that true or false? Thanks for all the great articles!

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RBC Rewards® Visa‡ Preferred

An RBC Rewards card with a comprehensive suite of premium travel insurances. Earn RBC Rewards points on every dollar you spend and collect 2,500 bonus RBC Rewards points upon enrollment

• Additional card for $40 per year
• Comprehensive insurance coverage with emergency medical, travel accident and trip cancellation/trip interruption insurance – plus protection for your rental car, eligible purchases and belongings while away
• $1,000 ATM cash advance limit (up to your available credit) and guaranteed hotel reservations.
• Enhanced security with built-in Chip and PIN technology, and Zero Liability protection which protects you from fraud
• Travel Accident Insurance
• Trip Interruption/ Cancellation Insurance
• Travel Medical Insurance
• Rental Collision/ Loss Damage Insurance
• Flight Delay Insurance
• Baggage Insurance
• Extended Warranty
• Interest rate not mentioned on website.

Last updated 05/03/2018. Check with the credit card issuer for the most up-to-date information before applying.

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Free travel insurance and purchase protection.

Enjoy a worry-free travel with your RCBC Credit Card.

• Free Travel Insurance And Purchase Protection
• Travel Plus

*Eligible RCBC Credit Cards: Platinum Mastercard (Black, Diamond, YGC Rewards Plus Platinum), Hexagon Club, JCB Platinum, and UnionPay Diamond

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

• When shall the cover commence and end? The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
• What is my maximum allowable benefit? Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
• Is the item still covered when I leave the country where I purchased it? YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
• Is Jewelry and Gems covered under this program? YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
• Is there a deductible or participation fee when I file for a claim? Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
• Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
• Consumable and Perishables;
• Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
• Business Property purchased to be used for business purpose;
• Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
• Livestock, pets, animal, plants or other living creatures;
• Art, antiques, firearms and collectible items;
• Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
• Mechanical, electrical or electronic breakdown, failure or derangement;
• Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
• Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
• Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
• Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
• The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
• Mysterious disappearance or unexplained losses.
• Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
• Product defects, faulty or defective design, material or workmanship, latent defect.
• Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
• Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
• Shipping and handling expenses or installation, assembly related costs.
• Items purchased for resale, professional or commercial use.
• Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
• Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
• Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
• Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
• Items left unattended in a place to which general public as access.
• Losses due to or related to nuclear, biological or chemical event.
• Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
• The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
• Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
• How can I claim? A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
• Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
• Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
• Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
• Police report for Theft or Stolen Item claims
• Replacement cost or repair estimates for damaged item claims

RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance .

No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Pulz app. Make sure to have this information ready for seamless registration.

No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior  to your scheduled flight. We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance . 

 Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

● Extension of cover

● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A .

● Other companion (exceeding 2).

To request for added coverage, please get in touch with MALAYAN INSURANCE:

        Email: [email protected] , [email protected]

        Telephone (632) 8628-8341/8342 , (632) 8628-8712 / Mobile (+632)920 9455119

The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection . 

If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to [email protected] so we can check the status of the request and provide feedback. 

General Requirements

• RCBC Credit Card used to purchase the international travel ticket
• Statement of Account showing purchase of International Airline Ticket
• International Airline Ticket/Boarding Pass
• Passport duly stamped by Bureau of Immigration (Departure and Arrival)

Personal Accident

• Medical report
• In case of death, original copy of the Death certificate and coroner’s report
• Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Medical Treatment

• Out-patient

a. Original Official Receipts

b. Medical report

c. Laboratory results (if any was done)

2. In-patient

a. Statement of Account (with breakdown)

b. Official Receipts

c. Medical Report

d. Laboratory results (if any was done)

e. Operative record and hispathology results (if surgery was done)

f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

Emergency Trip Cancellation

• Medical Certificate of assured or family member
• Duplicate copy of death certificate of the immediate family member (if family member died)
• Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
• Certificate of cancellation of flight from airline
• Original receipts of pre-booked and non-refundable lodging and transportation

Emergency Trip Termination

• New ticket purchased
• Boarding passes or stamp on passport

Loss of Travel Documents

•  Notarized incident report or police report
• Document issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or travel tickets
• Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Flight Delay

• Irregularity report issued by the airline indicating the reason of the delay
• Receipts of expenses (food, lodging, transportation)

Strikes and Aircraft Hijacking

Loss of Baggage

• Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
• Police report if stolen
• Original official receipt/s of the lost baggage/s
• List of lost items with brand, model, type and corresponding amount

Baggage Delay

• Baggage irregularity report issued by the airline
• Delivery report from the airline stating the exact date and time that the baggage was retrieved
• Original official receipts of expenses incurred (on toiletries and clothing)
• Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
• Copy of the replacement passport and/or lost travel tickets
• If loss occurred in such circumstances, an irregularity report from the airline or a police report
• Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Is this the right card for your needs?

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RBC Rewards Visa Preferred

Requirements.

Extended warranty

Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max. If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months. If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000. Enrolment is easy for eligible cardholders. You may cancel at any time. Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes). Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant®.

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RBC Avion Visa Platinum Card review

Get 35,000 welcome Avion points on approval

• Rates & Fees

1 Avion point for every dollar you spend qualifying purchases, plus earn bonus points through purchases at selected retailers using your Avion Rewards credit card.

3 cents per litre savings on fuel and 20% more Petro-Points at Petro-Canada gas stations

50 Be Well points for every $1 spent on eligible products at Rexall

20% savings and 2x the Avion points with Hertz rental cars.

$0 delivery fees for 12 months from DoorDash with a DashPass subscription

$500,000 Travel accident insurance

48 consecutive days of rental car insurance for cars up to $65,000 MSRP

$1,000 of trip cancellation insurance for each covered person, up to an overall maximum of $5,000

$250 of flight delay insurance per covered person to a maximum of $500 total per occurrence.

$500 for delayed baggage insurance per occurrence for each covered person to a maximum of $25,000 per occurrence.

$2,500 for hotel/motel burglary insurance per occurrence.

1 year of manufacturer's extended warranty insurance

$50,000 purchase security insurance for loss or accidental physical damage to insured items purchase with your card for ninety (90) days from the date of purchase.

$120 Annual Fee $50 for each additional card

20.99% Purchase APR

22.99% Cash Advance APR

Good Recommended Credit Score

By Justin da Rosa

Fact Checked: Amy Tokic

Updated: March 21, 2024

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(    mins)

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Quick overview of the RBC Avion Visa Platinum Card

The RBC Avion Visa Platinum Card is a flexible travel rewards card aimed at the frequent flyer who likes to travel often and easily. Its point system is simple, allowing cardholders to use their points on any airline, on any flight, at any time with no blackouts or seat restrictions, even during peak seasons.

With an extensive travel insurance package and fuel savings, the RBC Avion Platinum card has features that’ll appeal to the frequent flyer and driver alike. 

Who is the RBC Avion Visa Platinum for?

Are you interested in travel rewards but find all of the options confusing? This card might be for you. While other cards have tiered rewards structures that offer different amounts of points for different spending categories, the Platinum RBC Avion Visa keeps things super simple, offering one point for every dollar spent. See? Nothing confusing here.

That philosophy carries over to how points are redeemed. While some cards only allow you to book on certain airlines at certain times of the year, the Avion card allows you to use your points for travel on any airline, for any seat, at any time of year – even during peak travel seasons.  Don’t be fooled by its simplicity, though. The card also comes with travel insurance that includes trip cancellation and interruption. However, if you’re looking for premium travel perks like no foreign exchange fees and lounge access, you’ll have to look elsewhere. Those features aren’t included with the RBC Avion Visa Platinum. 

Pros and cons

Get up to 35,000 bonus points

The welcome bonus is simple and doesn’t require a minimum spend

Included travel insurance

Save 3 cents per litre on fuel at Petro Canada

No lounge access

Earn only 1 point per dollar spent

High-interest rates

RBC Avion Visa Platinum Card welcome bonus

• Earn 35,000 welcome Avion points
• Points will appear on your first statement following approval
• 35,000 points are enough to fly you anywhere in Canada or the US, excluding Hawaii and Alaska

How to earn Avion points with the RBC Avion Visa Platinum card

When you open a RBC Avion Visa Platinum card, you’ll earn 35,000 points right off the bat, just for opening the card – no minimum spend required. That little nest egg, valued at around $750, will get you started on your Avion point-earning journey. From there, you’ll earn one point for every dollar spent, no matter where you shop. Groceries? Check. Gas? Check. Netflix, bar tab, new clothes? Check, check, check. It’s nice not to have to tailor your spending at specific retailers to earn points. And, if you’d like to maximise your point-earning potential, you can link your Avion card to a free Petro Points card. Not only will you save 3 cents per litre at the pump, you’ll also earn 20% more Petro Points and 20% more Avion points when you purchase anything at the gas station. 

How to redeem Avion points

RBC makes it easy to redeem Avion points with its online portal. To redeem your points, visit the website and navigate to the redeem tab. Once there, you can use your points to pay some or all of your credit card balance, pay back purchases, pay bills, send Interac e-transfers, donate to charity, or shop. You can also use your points to book travel . RBC provides estimates to help you figure out how many points you might need to book specific flights. 

For example, 15,000 points can be used to book quick getaways within or to an adjacent province or state; 35,000 points can help you explore North America; 45,000 points can get you Mexico, Hawaii, Alaska, Bermuda, Central America, or the Caribbean; 55,000 points can pay for a full vacation to one of those destinations; 65,000 points can get you to Europe; and 100,000 points can take you far-flung destinations such as New Zealand, Australia, Africa, Asia, the South Pacific, or South America. 

Another way to redeem Avion points is to download the Avion Rewards app in the Apple or Google Play store.

RBC Avion Visa Platinum key benefits

• Generous welcome bonus of 35,000 points
• Travel insurance
• Save on gas at Petro Canada

RBC Avion Visa Platinum insurance coverage

• Travel accident insurance: Coverage for accidental death or dismemberment. Maximum benefit: $500,000.
• Auto rental collision/Loss damage insurance: Coverage for rental vehicles against damage or theft. Maximum rental period is 48 consecutive days; maximum benefit is the lesser of the vehicle's actual cash value or repair cost.
• Trip interruption insurance: Coverage for eligible expenses if a covered trip is interrupted. Maximum benefit: $2,500 per insured person.
• Emergency purchases insurance: Coverage for essential purchases in the event of delayed baggage. Maximum benefit: $500 per insured person.
• Flight delay insurance: Reimbursement for necessary expenses due to flight delays. Coverage begins after a four-hour delay. Maximum benefit: $500 per insured person.
• Travel emergency medical insurance: Coverage for emergency medical expenses during trips. Maximum benefit: $5,000,000 per insured person for eligible medical emergency expenses. Coverage for the first 15 consecutive days of a covered trip for persons aged 65 or over.
• Hotel/motel burglary insurance: Coverage of up to $2,500 per occurrence.
• Purchase security and extended warranty: Coverage of purchased items from loss or accidental damage for up to 90 days, up to a maximum of $50,000. Extended warranty of up to an additional year on top of the manufacturer’s warranty.  

Extra benefits

• Earn additional Be Well points when shopping at Rexall
• Get 20% off at Hertz car rental and 2x the Avion points
• Get $0 delivery fees with DoorDash for a year

What people have to say about this card

In a Reddit thread entitled “ Is the RBC Avion credit card worth it ?” one user questioned why the pricey card only offers one point for every dollar spent. Others replied, explaining the best ways to take advantage of the rewards.According to a few users, redeeming points toward an RBC investing account is a great way to maximise your rewards. Another user claimed the travel insurance makes up for the yearly cost, claiming it once saved them $3,000. In another Reddit thread entitled “ Is the RBC Avion Visa Platinum worth it for travel? ” users complemented its flexible rewards redemption. However, some noted you can get more points with other cards, such as the American Express Cobalt card. 

How RBC Avion Visa Platinum compares

Rbc avion visa platinum vs. rbc ion visa.

The RBC ION Visa can be thought of as the RBC Avion light. It’ll earn you Avion points, but not as many right off the hop as the Platinum. While the Platinum offers 35,000 welcome points, the ION only provides 3,500. The ION also lacks travel insurance, which you’ll get with the Platinum card.

However, the ION will earn you more points in several spending categories. It offers 1.5 points per dollar spent on groceries, ride-sharing, gas, streaming, subscriptions and digital gaming. It also has no yearly fee, compared to the Platinum’s yearly cost of $120. 

RBC Avion Visa Platinum vs. American Express Cobalt

If you’re considering the RBC Avion Visa Platinum and American Express Cobalt , it might come down to the rewards program you prefer. The Avion is geared more toward travel rewards, whereas the Amex program is a more general rewards program. 

Both have a yearly fee ($120 for the Avion Visa and $155.88, paid $12.99 per month, for the Cobalt), come with travel insurance. When it comes to points, the Cobalt will earn you up to five points per dollar spent, which is much higher than the one point per dollar earned with the Avion card. The Visa Platinum will earn you more from the start, with a welcome bonus of 35,000 points (compared to 15,000 points with the Cobalt). 

RBC Avion Visa Platinum Vs. TD Aeroplan Visa Infinite

These two cards are quite similar. Sure, the TD Aeroplan Visa Infinite might cost a little more than the RBC Avion ($139 compared to $120 per year), but it’ll earn you a few more points for that extra cost (50,000 welcome points compared to 35,000) For everyday points earning, the Aeroplan card earns 1.5 points per dollar on gas, groceries and at Air Canada and one point for everything else; the Avion, meanwhile, earns one points per dollar spent for everything.

Both cards come with travel insurance and have the same interest rates but Aeroplan will get you free checked bags. Of course, you’ll save on gas at the Petro Canada with the Avion card, though. 

So, either card is a great choice for the travel rewards earner. The one you choose might come down to whether you prefer Avion points or Aeroplan points.

Is the RBC Avion Visa Platinum card worth it?

The RBC Avion Visa Platinum offers compelling benefits, making it worth considering for avid travellers. With a generous welcome bonus, flexible redemption options and comprehensive travel insurance coverage, it caters to diverse travel needs. 

The ability to earn points on everyday purchases enhances its value, particularly if you’re someone who wants to earn on every single purchase instead of just a few select retailers. However, the annual fee and interest rates should be weighed against the benefits. If you prioritise travel perks, including flight flexibility and insurance and are willing to manage associated costs responsibly, the RBC Avion Visa Platinum can be a valuable addition to your wallet.

Does the RBC Avion Visa Platinum come with lounge access?

While it is a travel rewards card, the RBC Avion Visa Platinum does not come with lounge access.

Does the RBC Avion Visa Platinum have travel insurance?

The RBC Avion Visa Platinum does come with travel insurance. This includes: travel accident insurance, auto rental collision/loss damage insurance, trip interruption insurance, emergency purchases insurance, flight delay insurance, travel emergency medical insurance, and hotel/motel burglary insurance.

Does the RBC Avion Visa Platinum have a welcome bonus?

The RBC Avion Visa Platinum does have a welcome bonus, and a generous one at that. Opening a new account with the Avion Visa Platinum will earn you 35,000 points on your first statement, regardless of how much you spend.

About our author

Justin is a writer and editor who has been covering personal finance for over 10 years. He's written for companies such as KOHO, Ratehub, BMO, Zoocasa, and Questrade, among others. Justin also created a course in Content Creation, which he taught at York University for four years. When not writing, Justin can be found at a live concert, on the golf course, riding a motorcycle, or sailing.

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