Avion Membership Levels: What’s the Difference Between Elite, Premium, and Select?

Published September 17, 202611 min read

If you’ve explored RBC’s Avion Rewards program in the past, you may have noticed mentions of what seems to be three different types of Avion points: Avion Select, Avion Premium, and Avion Elite.

Interestingly, these are in fact three different Avion Rewards membership levels, each offering improved opportunities for earning and redeeming Avion points.

In this article, we dig into these three membership levels to clarify how to access each level, giving you a better understanding of the best ways to earn and redeem Avion points.

RBC Avion Rewards

Avion Rewards is the loyalty program for the Royal Bank of Canada (RBC). Through this program you can earn and redeem valuable Avion points for travel, gift cards, merchandise, and more.

Two unique features of this bank-owned loyalty program is that it’s available to non-RBC customers and that it’s divided into three membership levels:

Avion Select
Avion Premium
Avion Elite

Each membership level gives you improved earning and redeeming potential, but of course, having these three levels also makes it all a bit confusing.

With that in mind, let’s look over the basics of becoming an Avion Rewards member and then dig in to how each membership level works.

Avion Levels – promo image with earn potential -EN

Avion Rewards’ Three Membership Levels

The first thing to understand is that your Avion Rewards membership level is determined based on which RBC products you have (or don’t have).

The second thing to know is that your ability to earn and redeem Avion points improves as you move up the membership levels.

The Avion Select membership level is available to all Canadians, regardless of whether or not they’re RBC clients.

In fact, to be an Avion Select member, you can’t have any RBC products, otherwise you’d automatically be bumped up to an Avion Premium or Avion Elite membership.

To become an Avion Select member, you just need to head to the Avion Rewards website and click “Join Now.”

Avion Levels – Avion Select Join Now -EN

The next two membership levels of Avion Premium and Avion Elite are both accessed based on which RBC products you have and use.

The eligible products for these membership levels range from bank accounts to investment products to credit cards, and if you have multiple eligible RBC products, you’ll enjoy the highest Avion membership level that you qualify for.

Now, let’s take a closer look at each membership to better understand what these level mean.

What each Avion Rewards membership level gives you
Benefit	Avion Select	Avion Premium	Avion Elite
Points and cash back	Yes	Yes	Yes
Deals at 2,000+ brands	Yes	Yes	Yes
Up to 40% cash back	Yes	Yes	Yes
Redeem for merchandise and travel rewards	Yes	Yes	Yes
Pay with points	No	Yes	Yes
3X Canadian Tire Money	No	Yes	Yes
Up to 7¢/L in value at Petro-Canada	No	Yes	Yes
Exclusive everyday savings	No	Yes	Yes
Premium experiences and benefits	No	Yes	Yes
Top-tier offers and deals	No	Yes	Yes
Conversion to WestJet	No	Yes	Yes
Conversion to Avios, Asia Miles and AAdvantage	No	No	Yes
Elite travel and adventure offers	No	No	Yes
Elite rewards and offers	No	No	Yes
Fixed travel redemption schedule	No	No	Yes

How you reach each level

Avion Select comes with no RBC product at all: you sign up online, in a few minutes, at no cost.

Avion Premium comes with an eligible RBC product: a bank account, an investment product or a credit card such as the RBC ION+ Visa Card. The move happens automatically.

Avion Elite requires an Avion-branded credit card: the RBC Avion Visa Platinum, the RBC Avion Visa Infinite or the RBC Avion Visa Infinite Privilege. With several RBC products, the highest level applies.

Avion Select

Avion Select is a membership level available to any Canadian who is the age of majority in their province/territory and who has a debit or credit card with another bank.

Avion Select opens the program to people with no RBC products: membership is free and gives access to the merchant offers on the Avion Rewards website. That is also where earning stops at this level: Avion points are earned only through those merchant offers, not with a credit card.

You can also enjoy deals and earn cash back through special offers found on the Avion Rewards website and by using the Avion Rewards ShopPlus Extension. Any cash back you earn will be deposited into the non-RBC account that you linked when you signed up for your Avion membership.

As an Avion Select member, you have only a limited number of redemption options:

gift cards (increments of $10, $25, $50, $200; 1 Avion point = 0.71 cents)
merchandise, including Apple and Best Buy (redemption rate varies by item)
travel (1 Avion point = 0.58 cents)

Also, keep in mind that travel redemptions must be booked online through the Avion Rewards Travel page.

Avion Premium

The second membership level is Avion Premium and at this level your ability to earn and redeem Avion points starts to ramp up.

In addition to all the earning and redeeming abilities from the Avion Select level, you can also now earn points with your debit and credit cards.

To become an Avion Premium member, you need to sign up for one of many RBC products. You can find a list of all the eligible products on the Avion Rewards eligibility website.

The most notable way to earn Avion points at this membership level is with either the RBC ION Visa Card or the RBC ION+ Visa Card.

For example, with the RBC ION+ Visa Card, you can earn up to 3 Avion points per $1 spent and enjoy perks like mobile device insurance, purchase protection and extended warranty, and savings at the gas station.

The Avion Premium membership level also offers considerably better redemption options than the Avion Select level.

As a Premium member, you can not only redeem your Avion points all the same ways as an Avion Select member, but you can now also redeem your points the following additional ways:

Transfer to WestJet Rewards (100 Avion points = 100 WestJet points)
Pay bills and send an e-transfer (1 Avion point = 0.58 cents)
Get a statement credit to pay down your credit cards/bank loans (available in increments of $25, $50, $100, $250, and $500; 1 Avion point = 0.58 cents)
Use Avion points to invest in the stock market, RRSPs, and more (3,000 Avion points = $25, or 0.83 cents per point)
Donate your points to charity

Compare

RBC ION Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $0
Our valuation: $210Milesopedia first-year estimate First-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 14,000 points; Ends Nov 4, 2026

With the RBC ION Visa card, earn up to 14,000 Avion points^{^}, a value of up to $100 in gift cards^†.

This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories¹:

Groceries
Transit, gas, and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Legal

Refer to RBC page for up to date offer terms and conditions

^ This offer is only available for new RBC ION Visa credit card applications received between June 16 and November 4, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Co-applicants (co-applicant and authorized user[s]) on an RBC ION Visa credit card account, as well as existing RBC Royal Bank personal credit cardholders who switch to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer.

7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

An additional 7,000 Avion points (“Additional Points”) will be awarded to you if a total of at least $500 (the “eligible transaction amount”) in eligible net purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first three months from your credit card account opening date (the “Period”), provided your account is open and in good standing at the time the Additional Points are credited to your credit card account. The Additional Points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the amount of eligible transactions below the $500 threshold will result in the cancellation of your Additional Points.

The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close your eligible credit card or switch to another type of RBC ION Visa credit card before the Welcome Points or Additional Points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $100, you need 14,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of Avion Rewards points, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.5xGas & EV
1.5xStreaming
1.5xGroceries
1.5xTransit
1xAll spending

Value

1st Year Value$773

2nd Year Value$200

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Compare

RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 28,000 points; Ends Nov 4, 2026

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

Legal

Refer to RBC page for up to date offer terms and conditions

^®/^™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ^‡ All other trademarks are the property of their respective owner.

^{^} This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa card during the offer period, are not eligible for this offer.

7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

14,000 additional Avion points (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.

A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.

If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.

^† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.

ns or call 1-800-769-2512.

Annual fee

Primary card$48

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xGroceries
3xGas & EV
3xTransit
3xStreaming
3xRestaurants
1xAll spending

Value

1st Year Value$1,380

2nd Year Value$269

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 2 years

Avion Elite

Avion Elite is the program’s top membership level, giving you access to the most earning and redemption opportunities.

This level is available to anyone who holds one of RBC’s Avion-branded credit cards, as follows:

With these credit cards, you can earn up to 2 Avion points per $1 spent, and enjoy some pretty excellent travel-focused benefits.

For example, the RBC Avion Visa Infinite offers a comprehensive travel insurance package, including car rental coverage and delayed baggage and flight delay insurance.

Additionally, with the RBC Avion Visa Infinite Privilege, you also get complimentary access to airport lounges around the world.

Of course, as an Avion Elite member, you can also earn Avion all the same ways mentioned for the Avion Select and Avion Premium membership levels.

Now what really makes the Avion Elite membership so valuable is that at this level you get the ability to transfer Avion to additional airline partners and access to redemptions through the RBC Travel Redemption Schedule.

Airline transfer partners

As an Avion Elite member, you can transfer Avion from your account to the following airline loyalty currencies:

Cathay Pacific Asia Miles (rate of 1:1)
British Airways Avios (rate of 1:1)
American Airlines AAdvantage (rate of 1 Avion : 0.7 AAdvantage miles)
WestJet Rewards (100 Avion = 100 WestJet points)

Avion Levels – Transfer to airline programs

Additionally, there are occasional transfer bonuses, such as a 30% bonus when you convert your points to British Airways Avios.

With this in mind, we recommend you time your transfers accordingly if you want to maximize the value of your Avion points.

RBC Travel Redemption Schedule

The RBC Travel Redemption Schedule lets you redeem a set number points for flights on any airline, on any date, and at any time.

If you don’t feel like navigating the labyrinth of value and availability with airline loyalty programs, the RBC Travel Redemption Schedule is a great option, offering the possibility of redemption values at 2+ cents per Avion point.

Avion Levels – RBC Travel Redemption Schedule prettier -EN

Other redemption options

Avion Elite points can also be redeemed for travel book through Avion Rewards Travel at a value of 1 Avion Elite = 1 cent. This is an improvement on the rate for Avion Premium and Select members of 1 Avion point = 0.58 cents.

Plus, you can also access all the same redemption options as the Avion Select and Avion Premium levels.

This includes redeeming for gift cards, merchandise, statement credits, and more. However, keep in mind that these options only offer a fraction of the previously mentioned value, so we don’t typically recommend that you choose these.

Our credit card selection
Credit card	Annual fee	Welcome offer
RBC Avion Visa Platinum Apply NowCompare	Annual fee$120	Welcome offer Up to 70,000 pointsEnds Nov 25, 2026	Apply NowCompare
FeaturedRBC Avion Visa Infinite Card Apply NowCompare	Annual fee$120	Welcome offer Up to 70,000 pointsEnds Nov 25, 2026	Apply NowCompare
RBC Avion Visa Infinite Privilege Card Apply NowCompare	Annual fee$399	Welcome offer Up to 100,000 pointsEnds Nov 25, 2026	Apply NowCompare
RBC Avion Visa Business Card Apply NowCompare	Annual fee$120	Welcome offer 20,000 points	Apply NowCompare
RBC Avion Visa Infinite Business Card Apply NowCompare	Annual fee$175	Welcome offer 35,000 points	Apply NowCompare

What Avion Membership Level Should You Choose?

The Avion Elite level is the most versatile and valuable thanks to transfer partners and the RBC Travel Redemption Schedule; however, to access this level, you do need to have an RBC Avion credit card.

Pleasantly this access isn't too expensive since the RBC Avion Visa Platinum has no minimum income requirement, and it only requires a reasonable annual fee of $120 (which is often more than offset by the value of the welcome offer).

Now, if you don’t want to take on a credit card with an annual fee, the Avion Premium membership level is still a good way to enjoy some of the value and utility of the program.

In fact, the RBC ION+ Visa Card, giving you access to the Avion Premium level for a total annual fee of only $48, earns up to an impressive 3 Avion points per $1 spent.

For those looking to truly maximize their Avion earning and redeeming strategy, you’ll actually want to use two RBC credit cards at two different RBC membership levels (one Premium and one Elite).

If you hold the RBC ION+ Visa Card to access its high earning rate of up to 3 Avion points per $1 spent, and you also hold any of the Avion-branded credit cards, you'll be Avion Elite member and you'll have access to the best earning rates in the program.

Since Avion points are transferable between membership levels at a rate of 1:1, this strategy lets you get the most earning potential and the most redemption opportunities all for the reasonable price of a couple annual fees.

Finally, Avion Select remains the program's free entry point for anyone who would rather not add a banking product. Merchant offers, cash back and point redemptions are already available there. The value stays modest, since earning comes only from those offers.

Bottom Line

RBC’s Avion Rewards is one of the most valuable loyalty programs in Canada thanks to the many ways you earn, redeem, and transfer Avion points.

Plus, thanks to the program’s three membership levels, including one that’s free to all, it’s possible for pretty much everyone to participate in a way that suits their loyalty budget and ambition.

To learn more about how to use this flexible loyalty program, check out our guides below:

Frequently Asked Questions

How much are Avion points worth?

Avion points are worth anywhere from 0.58 to 2+ cents each depending on how you choose to redeem them and what level of Avion Rewards membership you have. They can also be transferred at a rate of 1:1 to airline loyalty programs like British Airways Club and Cathay Pacific Asia Miles, where you may be able to get even more value per point.

Do Avion points expire?

No, RBC Avion Rewards points do not expire as long as you have an active credit card account. If you close your RBC credit card account, you have 12 months to use your points before they disappear.

Do I need an RBC credit card to earn Avion points?

No, you don't need to have an RBC credit card to earn Avion points. The Avion Rewards program is open to any Canadian who is the age of majority in their province or territory, by simply signing up as an Avion Select member on the Avion Rewards website and clicking “Join Now.”

What is the difference between Avion Premium and Avion Elite?

Avion Premium comes with an RBC account or bank card. That level unlocks paying with points, 3X Canadian Tire Money, Petro-Canada savings and conversion to WestJet. Avion Elite requires an RBC Avion credit card. It adds conversion to Avios, Asia Miles and AAdvantage, the RBC Travel Redemption Schedule and the travel offers reserved for that level.

Can I stay an Avion Select member with an RBC account?

No. As soon as you hold an eligible RBC product, your membership moves automatically to Avion Premium or Avion Elite depending on the product. Avion Select is for people with no RBC products.

What happens to my level if I cancel my RBC Avion card?

You lose the Avion Elite benefits and go back to the level your other RBC products give you. Your points stay usable as long as an active credit card account remains; with no RBC credit card, you have 12 months to use them.

Which programs can you transfer Avion points to?

Four partners. Cathay Pacific Asia Miles and British Airways Avios transfer at 1:1. American Airlines AAdvantage gives 0.7 miles per Avion point, and WestJet Rewards 100 points for 100 Avion points. WestJet transfers are available from Avion Premium; Cathay Pacific, British Airways and American Airlines require the Avion Elite level.

Can you transfer Avion points between two accounts?

Yes, at a 1:1 rate. You can therefore pair a high-earning card like the RBC ION+ Visa Card with an Avion card, and keep the best redemption options.

Our featured card

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuation: $1,050Milesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.

6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

10 The discount of up to 20% off the base rate only (time and mileage) (the “discount”) is offered at participating corporate Hertz locations in Canada and the United States. The discount excludes taxes, tax recovery charges, fees, surcharges and the cost of any optional service, such as refuelling. If you are a personal credit cardholder, you must enter the first six digits of your eligible Avion Rewards card in the CDP number field at the time of booking to receive the discount. For business credit cards and commercial credit cards, a CDP number will be generated upon enrolment in the Hertz Business Rewards program. Please use this CDP identification number for future reservations to take advantage of the discount and the Hertz Business Rewards program. To take advantage of the discount, your colleagues and your company’s employees must also enter the Hertz Business Rewards program CDP number at the time they make their reservation with Hertz. Hertz, and not Royal Bank of Canada, is responsible for the sales and refund terms that apply to the discount. For complete terms, visit hertz.ca (external site opens in a new window). Royal Bank of Canada reserves the right to cancel, amend or withdraw this offer at any time, even after you have activated it. To learn more about the Avion Rewards program, go to www.avionrewards.com/fr/ (opens in a new window).

11 This offer is not transferable. To earn 3X the Avion points you normally earn (“Bonus Points”) for every one dollar ($1.00) in purchases, including taxes, you make at any corporately owned Hertz location in Canada, U.S., UK, Germany, Italy, Switzerland, Netherlands, Belgium, Spain, Australia and Luxembourg, beginning January 2, 2025 to December 31, 2025 (“Offer Period”), click the “Load Offer” button and pay using one of your eligible RBC Avion credit card (“Eligible RBC Card/Credit Card”) (“Qualifying Purchase”). Franchised Hertz locations are not eligible for this offer.

The up to 20% discount rate applies to the base rate only (time and mileage charges) (“Discount”) and is available at participating Hertz corporate locations in Canada and the U.S.. The Discount excludes taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling. CDP ID #451401 must be used at time of reservation to receive the Discount.

Upon Hertz Gold Plus Rewards (GPR) registration, you’ll be upgraded to Hertz Five Star status in 48 hours. If you’re already an existing member of Hertz GPR, please follow the prompts on the landing page.

If you change your eligible RBC Avion credit card, you must load the Hertz offer again in Offers. If you cancel your eligible RBC Avion credit card, you will not be eligible for the Discount, Bonus Points or Hertz Five Star status.

Please allow up to 30 days from the date of your Qualifying Purchase, provided your credit card account was in good standing at that time, for the Bonus Points to appear on the account statement tied to your eligible RBC Avion credit card. Cancellations or price adjustments may cancel or reduce the Avion points earned on your Qualifying Purchase, including Bonus Points. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount.

Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Qualifying Purchase(s) and Discount. For complete terms and conditions please visit: https://www.hertz.ca/avionrewardselite(opens to external site). Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the Offers program, please visit rbc.com/offers(opens to external site).

12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.

You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.

You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.

Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.

16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Rewards+TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small BusinessTM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards).

You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,369

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Travel medical (65+)Included

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

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