【September 8, 2026 update】 Extra cash back is here during the record welcome-offer window: $100.
Apply through Borrowell and you can get an extra $100. Borrowell signup link🔗
Further reading: 🇨🇦 Canada Credit System Guide: Credit Bureaus + Free Score Tools (Borrowell / Credit Karma)
【August 15, 2026 update】 A record welcome offer is back: 70,000 Avion points. Definitely worth applying. Apply through the blog partner link🔗
Details are in the main sections below.
RBC Avion points are really strong. You can transfer them to American Airlines and Cathay Pacific, and there are current promotions.
Highlights
- Book any flight on more than 500 airlines with no blackout dates or seat restrictions.
- Earn 1.25x Avion points on travel purchases and 1x on other eligible purchases.
- Points do not expire and can be redeemed for travel, gift cards, merchandise, or transferred to other loyalty programs.
- Includes emergency medical, travel accident, trip cancellation, and trip interruption insurance.
Issuer: Royal Bank of Canada
Payment network: Visa
Annual fee: $120; additional card: $50
Foreign transaction fee: 2.5%; HSBC-converted accounts may have no foreign transaction fee
The card earns Avion Rewards points.
Related reading: How RBC Avion Rewards works
Welcome Offer
【August 15, 2026 update】 Up to 70,000 Avion points; the official website lists November 25, 2026 as the application deadline.
- 35,000 points after approval.
- 20,000 bonus points after spending $5,000 in the first six months.
- 15,000 one-time anniversary bonus points.
Apply through the blog partner link🔗
Income requirement: personal annual income of at least $60,000 or household annual income of at least $100,000. Applicants must be Canadian permanent residents.
Previous welcome offers
【May 7, 2026 update】 Record 70,000-point offer: 35,000 on approval, 20,000 after $5,000 in six-month spending, and 15,000 at the anniversary.
【January 30, 2025 update】 Up to 55,000 points: 35,000 on approval and 20,000 after $5,000 in six-month spending.
Everyday Spending
1.25x: Travel purchases.
1x: Everything else.
Benefits & Insurance
- Book any flight
Use Avion points to book any flight on more than 500 airlines, without blackout dates or seat restrictions.
- Avion Rewards Elite membership
Cardholders automatically receive Avion Rewards Elite membership and can transfer points to airline partners for potentially higher value.
- Petro-Canada linked rewards
Link the card to save 3¢ per litre at Petro-Canada and earn 20% more Petro-Points and Avion points.
- DoorDash DashPass
Add the card to DoorDash to receive a free 12-month DashPass subscription.
Travel Insurance
- Out-of-province / out-of-country emergency medical insurance: 15 consecutive days per trip for travellers under 65 and three consecutive days for travellers 65 or older. The maximum benefit is unlimited, subject to the RBC insurance certificate.
- Travel Accident Insurance: Coverage for eligible travel accidents, subject to the certificate’s amounts, transportation, payment, and exclusion requirements.
- Auto Rental Collision/Loss Damage Waiver Insurance: Coverage for eligible rentals, subject to the certificate’s rental-period, vehicle, payment, and exclusion requirements.
- Trip Cancellation & Trip Interruption Insurance: Coverage for eligible cancellations and interruptions, subject to the certificate.
- Delayed Baggage and Flight Delay Insurance: Coverage for eligible delays, subject to waiting periods, limits, and conditions.
- Hotel/Motel Burglary Insurance: Coverage for theft from eligible hotel or motel rooms, subject to the certificate.
Purchase Insurance
- Purchase Security & Extended Warranty Insurance: Eligible items may receive purchase protection and extended warranty coverage, subject to the RBC certificate.
- Mobile Device Insurance: Eligible mobile devices may be covered, subject to the device, payment, duration, limits, and exclusions in the certificate.
Other Updates
【March 27, 2026 update】 An email confirmed that this HSBC-converted card received another $100 travel credit for the year.
【April 10, 2025 update】 The HSBC World Elite Mastercard conversion again received a $100 travel credit. From April 8, 2025 to April 7, 2026, book a hotel or rental car through Avion Travel, pay at least $100 with this card, and receive a $100 credit.
