Pros and Cons of the Royal Bank Credit Card


This pros and cons guide will teach you about the upsides and downsides of the Royal Bank Avion Visa Infinite Credit Card.

For many individuals, travelling abroad is a necessity, especially for businesspeople and travel enthusiasts. However, going to another country means that you should prepare for anything that will happen while out of your home country. One of the most important things to have while travelling overseas is a trusty credit card that not only gives you the best rates but also the most reliable services.

If you are looking for a credit card that is great for overseas travel, then the Royal Bank is a great choice. The Royal Bank Avion Visa Infinite credit card might just be the right one for you. Here’s why.

Royal Bank Credit Card Features

One of the most advantageous features of this card is that it offers 1 reward point for every $1 you spend. As it is dedicated to frequent flyers, you get an extra 25% on travel-related transactions as long as they pass eligibility requirements.

This card also allows you to get extensive insurance coverage whenever you travel. And as a bonus, you get exclusive offers, like the ability to choose whatever flight you want, regardless of restrictions.

Holders also earn exclusive fuel rewards at Petro-Canada, as well as mobile device insurance, and other forms of protection.

Royal Bank Credit Card APR, Interest Rate & Fees

  • Annual Fee: $120
  • Purchase Rate: 19.99%
  • Additional Card Fee: $50
  • Cash Advance Rate: 22.99%

Royal Bank Credit Card Pros

When getting your application approved, you are guaranteed to receive welcome points amounting to 15,000. This card also allows you to choose any airline and flight at any time. This means that you will not experience blackouts or seat restrictions, so you can fly as long as there is an open seat. While the annual fee may still exist, it is relatively low, and the enormous rewards of this card seem to make up for some of the extra fees.

Royal Bank Credit Card Cons

The card offers a lot of advantages. However, keep in mind that this is a premium card, so there is a possibility that you will get higher acceptance costs on merchants. The bank also charges a fee of $50 for supplementary cards.

Royal Bank Credit Card Eligibility

Only individuals with a minimum personal income of $60,000 or a minimum household income of $100,000 are eligible to apply for this card. You also need to have acceptable creditworthiness.

Keep in mind that the bank conducts an evaluation of your credit, financial, and employment background. So, make sure to have documents supporting your application on hand. You also need to have proofs of identity and residence.

Royal Bank Credit Card Application

Once you have pertinent documents, you can start your application by simply going to the RBC website and choosing the Avion Visa Infinite Credit Card page, then click the Apply Now button.

Royal Bank Credit Card Limit

The bank will give you a credit limit depending on your creditworthiness, so the higher your credit rating is, the higher your limit will be. Just remember that there is an over-limit fee of $29.

Royal Bank Address and Contact Information

You can send your mail requests to Royal Bank of Canada RBC WaterPark Place, 16th floor 88 Queens Quay West Toronto, ON, M5J 0B8, or you can simply call +800-0-769-2512 for credit card queries.

The Royal Bank Avion Visa Infinite Credit Card offers a variety of advantages, such as welcome bonuses and rewards. However, there are also things you should look out for, such as the supplementary cards fee. If you think this card is right for you, then visit the website to apply.


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.