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For benefits that go above and beyond rewards, both Mastercard and Visa offer their own respective programs to up the value you can get from your credit card. Mastercard offers the World and World Elite programs, while Visa offers the Visa Infinite and Infinite Privilege programs. Today, we’re going to compare them side by side, check out what they offer, and see who has the better program. Both Mastercard and Visa offer two levels within their programs. For Mastercard, they have: Each of them offer different levels of perks. For our exercise, we’ll be comparing World Elite and Visa Infinite cards, as they’re the closest to each other in terms of benefits. Here’s an overview of the basic benefits offered by World Elite Mastercards and Visa Infinite Privilege cards. Both programs have cards that offer membership to their lounge programs, but few of them offer actual passes. Because you normally have to pay an annual fee on top of your individual lounge access passes, you’re still saving quite a bit, even if the cards don’t come with passes (though it’s definitely better if they do). Select World Elite Mastercards offer membership to their own program – Mastercard Airport Experiences provided by Loungekey. This will give you membership to over 1,000 airport lounges worldwide, but only a select few cards offer complimentary passes. If your card doesn’t provide any free passes, you’ll have to pay $32 USD each time you want to use your lounge access. It comes with a Priority Pass membership and 6 free passes per year. For concierge service, both programs offer a full-service concierge to help with travel plans, dinner reservations, and event tickets. Mastercard World Elite concierge and Visa Infinite concierge are ready to help you with your travel plans, or even anything that comes up while you’re in the middle of your journey. When it comes to travel insurance, World Elite Mastercards have a slight edge. The differences between the 2 lie in the various rental car protections. World Elite Mastercards issued by BMO, MBNA & Brim Financial have car rental personal effects and accident insurances, something no Visa Infinite card currently offers. Otherwise, they generally have the same protections and coverage amounts. The best World Elite Mastercards come with 15 (out of To be able to acquire these cards, you need to meet set income requirements. In this regard, Visa Infinite cards definitely have a leg up on their competition. You need a personal income of $60,000 or a household income of $100,000 to qualify for a Visa Infinite card. While this may seem high on its own, they sound better than the income requirements for World Elite Mastercards, which increase those numbers to $80,000 personal or $150,000 household. Both programs offer access to events that can’t be found anywhere else. For Visa Infinite, you get the Visa Infinite Dining Series and Wine Country programs. The Dining Series gives you exclusive access to dining events that will make you want to get your camera out and show off to everyone. For the wine guru, the Wine Country program will let you participate in wine tastings and tours at a reduced cost compared to what anyone else has to pay. You’ll be able to pick from a wide variety of experiences and once-in-a-lifetime opportunities to events from all over the world. If you want to see more than just a show with Cirque du Soleil, Mastercard holders get access to exclusive perks like backstage access, 15% discount on Canadian shows, discounts at Las Vegas shows, and preferred seating. Above everything else we discussed, each program also has one special extra perk. For Visa Infinite, it’s the Luxury Hotel Collection. You’ll get great benefits at over 900 properties worldwide, such as a free room upgrade, $25 USD food or beverage voucher, VIP guest status, and more. On the World Elite Mastercard side, they offer Mastercard World Experiences. With this perk, you can get preferred access and complimentary upgrades on all kinds of offers, like upscale retailers and resorts . Using the genius rating as determined by our best networks pages for both Mastercard and Visa, here are the top options currently available. It offers the most amount of AIR MILES over any other AIR MILES card. First, it comes with a welcome bonus of up to 3,000 AIR MILES – 1,000 after your first purchase and another 2,000 after spending $3,000 in the first 3 months. And you earn 1 mile for every $10 spent on the card, plus double miles on National and Alamo car rentals. It also allows you to increase the value of every mile you earn. S., and you’ll need 15% fewer miles to get your flights. Throw in 14 types of insurance, and you’ve got a card that’s great for all your travels. To top it all off, the first year is currently free as well. You’ll earn Aeroplan miles on every purchase, and a sign-up bonus that starts after making your first purchase. And, for the first 3 months, you’ll also earn 5,000 bonus Aeroplan miles every month you spend $1,000 for a total of 15,000 miles earned. You also earn bonus miles on a variety of categories: These perks make a free flight even sweeter. And with 10 types of insurance, it still has plenty of coverage while you’re out and about. Let us know how your experience went in the comments below. It’s also offering a rebate on the annual fee for the first year, so you can take the card for a test drive. Regardless of the program, you’ll get great benefits that go beyond just rewards. Have you bought an airline ticket or made a non-refundable 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: 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. Rbc visa infinite privilege www rbc ca online banking Rebates that apply to eligible credit cards are i partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and ii annual fee fully rebated for the primary cardholder and the additional cardholders co-applicant and authorized users on any of the. The RBC Avion Visa Infinite Privilege is the upper-tier premium credit card that offers 25,000 Avion points for a $399 annual fee. This card is targeted towards big spenders and high-income earners and accordingly comes with a higher points earning rate and high-end luxury travel benefits. To receive the 25,000 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 25,000 bonus RBC Rewards points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite Privilege cardholders, applying for or transferring to an RBC Avion Visa Infinite Privilege for Private Banking card, or vice versa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including guidelines on redeeming for business class seats, visit RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For any type of travel you book through RBC Rewards other than flights from the Air Travel Redemption Schedule, you may redeem RBC Rewards points at the rate of 1.0% (100 points per CAD $1.00) to pay for all or part of your booking, including associated taxes and fees. When you book a flight from the Air Travel Redemption Schedule, you may also decide to redeem RBC Rewards at the rate of 1% to pay for any taxes and service fees (including sales, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed. For complete terms, conditions and restrictions that apply to the RBC Rewards program, visit: For full details on Visa Infinite Privilege, visit You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege offers, benefits and services. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Royal Bank of Canada is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers, benefits and services at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions. The Visa Infinite Privilege privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit https:// call Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies. Redemptions are final and cannot be cancelled or reversed once submitted. Bonus points are RBC Rewards points earned on qualifying purchases made at Carlson Wagonlit Travel and are in addition to the standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. For complete details, please consult the RBC Rewards Terms and Conditions Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC 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 RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates for complete details. Click here The discount rate of up to 20% on the base rate only (time and mileage charges) (“Discount”) is available at participating Hertz corporate locations in Canada and the U. and excludes taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling. You must enter the first 6-digits of your eligible RBC Avion credit card in the CDP ID # field when making a booking through the Hertz website to receive the Discount. Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Discount. 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 RBC Offers program, please visit rbc.com/offers. To earn 3X the RBC Rewards 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 February 7th, 2020 to February 7th, 2023 (“Offer Period”), click the “Load Offer” button in RBC Offers and pay using your RBC Avion Visa Infinite Privilege card (“Eligible RBC Rewards Card”) (“Qualifying Purchase”). Franchised Hertz locations are not eligible for this offer. 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 Rewards card, you must load the Hertz offer again in RBC Offers. If you cancel your Eligible RBC Rewards card, you will not be eligible for the Discount (defined above), 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 Rewards Card. Cancellations or price adjustments may cancel or reduce the RBC Rewards 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). For complete terms and conditions please visit: https://pub.emails.hertz.com/RBC_Status_Match_EN_FS 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 RBC Offers program, please visit rbc.com/offers. Credit card issuers are constantly innovating their reward programs to attract loyal consumers. The goal is to offer exceptional service to please the most discerning customers in hopes they will continue to spend big bucks through the brand. After all, Visa and Master Card make money on every swipe (or chip) transaction, so it pays to keep consumers spending on their cards. In Canada, Visa’s top loyalty program is called Visa Infinite. In this post we’ll review Visa Infinite and introduce the cards participating in the program. Visa’s top Canadian loyalty program has two variations: Visa Infinite, and Visa Infinite Privilege. Before we get into the benefits, let’s take a look at the income requirements for each: The Visa Infinite cards require a personal annual income of at least $60,000 or $100,000 per household. Infinite Privilege cards require a minimum annual income (personal or household) of $200,000. Clearly the Visa Infinite program is much more accessible for the average credit cardholder. For the average consumer, opting for a credit card with no annual fee and modest rewards is generally the way to go. But for people with high incomes (and spending budgets) a premium loyalty program is an obvious choice. The Visa Infinite and Infinite Privilege programs are largely targeted towards more affluent and established professionals. As such, the benefits of the program are tailored toward this group. At its core, Visa Infinite is all about the travel benefits. Through the Luxury Hotel Collection, Visa Infinite cardholders get exclusive access to perks when booking through There are over 900 worldwide properties including some of the most intriguing and prestigious hotels and resorts in the world. The following benefits come with every booking: Enjoy great food and fine wine in private, cozy dining settings. The Visa Infinite Dining Series offers wines selected by connoisseurs. Enjoy food served by world renowned chefs in Vancouver, Calgary, Toronto, Ottawa and Montreal. Get early access to sporting and entertainment tickets before the general public. Movie goers can enjoy advance tickets and access to the VIP lounge at TIFF. Other benefits include the Up Close & Personal Visa Infinite Music Series experiences and exclusive sports experiences for your favourite teams. Cardholders get access to their own personal concierge there to help them 24 hours a day, 7 days a week with. Get help booking travel, arranging car rentals, or other personal services. Your concierge can help get some flowers delivered ASAP! Most credit cards in the market today come with many of the following benefits. However, you will generally find these benefits are better than Platinum or other cards. Since each credit card can come with different benefits, you’ll need to read the fine print for the details for each category. For example, you might find select Visa Infinite cards come with higher travel insurance coverages. When you apply for a credit card, the bank will analyze your credit profile and determine what your credit limit will be. Visa Infinite cards come with credit limits of at least $20,000 or no pre-set spending limits at all. With higher credit limits comes increased income and credit requirements. In addition to the above benefits, Infinite Privilege cardholders get access to even more perks. The Visa Infinite and Visa Infinite Privilege loyalty programs are designed for savvy spenders who demand a higher level of service from their credit card issuer. With built in benefits for frequent travellers these cards can make any travel more convenient and more rewarding. The Visa Infinite program is only available with credit cards that carry an annual fee. As with any product or service, each individual must determine if there is enough value to offset the costs. Since Visa Infinite is built in to the card, be sure to look at the addition reward programs associated with these cards. For example, the Aeroplan, Avion, GM, and British Airways rewards programs are built on top of the Visa Infinite cards. With all the benefits, it’s easy to see the value in Visa Infinite cards. And with juicy sign-up bonuses and reduced annual fees, now’s a great time to step up to a premium credit card. ADVERTISING DISCLOSURE: Credit Cards has business relationships with some credit card issuers featured on this site. We may receive compensation from these issuers when consumers apply for and/or are approved for a credit card through links on this website. For example, when a visitor clicks on an “Apply Now” button, we may be compensated if that visitor is approved for a card.

The RBC Avion Visa Infinite Privilege is one of the few rewards cards to offer more than 1 point per dollar spent, coming in at 1.25 points per dollar spent. Any cards that gives more points than that will typically have much less valuable points. All points are not created equal and Avion points are really high on the value scale. Because you can convert them 1:1 to British Airways Avios, American Airlines AAdvantage, and Asia Miles giving you the increased value of airline miles. Once you have converted your points to Avios or AAdvantage, you can then access all their partner airlines in the One World alliance. Better, about twice a year RBC runs a promotion where you can either get 30% or 50% more miles when you transfer them to Avios causing your reward value to skyrocket even further. That said, Avion points are valuable when redeemed for flights directly as well. That way you can you choose any airline and any flight you want. The best value is for short haul flights priced up to $350 for 15,000 points. That gives you a value of 2.33 cents per point which equals a 2.92% return on spending if you manage to redeem for a flight that costs $350 exactly. You’ll probably get slightly less reward value because hitting the maximum value on the nose isn’t easy. But, if you can get over those two issues, then this card offers a great mix of rare perks, above average travel insurance, higher than normal rewards, reward redemption flexibility, and great transfer bonus opportunities. One of the big downsides, like with all Visa Infinite Privilege cards, is that it requires a household income of $200,000 or more to qualify. The RBC Avion Visa Infinite Privilege for Private Banking card provides sophisticated credit solutions and the exclusive benefits that our high-net-worth clients require and expect. Welcome to a world of choice, prestige and unparalleled service. Speak with your private banking team for more information.** Immediately, seamlessly, any time of day or night. These experiences are all possible with the exclusive RBC Concierge service. You will have access to experienced representatives dedicated to answering your questions, addressing your concerns or managing your account. A passionate CWT Personal Travel Advisor will be available to organize and arrange every detail of your journey. Savour unique dishes and meet the chefs that create them at the top restaurants with the Visa Infinite Dining Series Learn more Earn points at a rate of 1.25 RBC Rewards points for every dollar in purchases charged to your card services. Enjoy exclusive extras at home and abroad with premium perks on renowned cruise lines, luxury hotels and at prestigious resorts. Our team of lifestyle managers is devoted to helping you curate the life you want. Rbc visa infinite privilege rbc norgate RBC Avion Visa Infinite Privilege. Benefits Guide; RBC Royal Bank Credit Card Agreement; Benefits and Services Terms & Conditions; Insurance & Protection; Application Terms & Conditions; Automatic Payment Pre-Authorized Debit Terms & Conditions; RBC Avion Visa Infinite Privilege for Private Banking. Benefits Guide; RBC Royal Bank Credit Card. RBC Avion Visa Infinite Privilege card as the co-applicant, and to whom a card has been issued. A co-applicant must be a permanent resident of Canada. Covered person means any of the following persons who have a valid government health insurance plan the applicant, the applicant’s spouse, and/or the applicant’s dependent Rebates that apply to eligible credit cards are i partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and ii annual fee fully rebated for the primary cardholder and the additional cardholders co-applicant and authorized users on any of the. I've never had any delays in contacting any division when making contact and thoroughly enjoy the benefits of this RBC/Visa pairing. From the points benefit all the way up to airport lounge access, this card is a win. I will add, on two occasions I was contacted directly by their security department to validate odd purchases being made. This was greatly appreciated in both the consideration of my and their protection. And keep getting the run around from the phone representatives. I have been waiting a month to be reimbursed by RBC for a ticket I purchased using the credit-point option. Never again will I use RBC Avion nor do I recommend it to anyone. Two things I like about this card - that I can access the fast lane at certain airports, and - you get 1/2 price for non-economy seats. I always save my points and use them to buy business seats when I travel. Most people just don't know what they are talking about! For $400 a YR PLUS I get up to $120 additional rebate dependent on your banking package and your tenure with RBC you just can't beat the Avion privilege! This card is loaded with fine perks nearly as good as the AMEX PLATINUM for much less!!! If you want to book your own trip (get cash back) then this is absolute rubbish. First of all, the "concierge" is useless you are put on hold and have to wait "due to current call volumes" thanks! The concierge service could be better as most of the time I know more than they do about there portal etc! They've hired average employees, unfortunately, pretending to be professional with you but they are not... Will never return and will always select cash back cards over travel cards I do not recommend this upgrade. Secondly, did you know that anyone can park in the "Visa Infinite Privilege" parking spots at the airport!? I was told specifically it was complimentary by the "concierge" over the phone the day prior as I had inquired. So that tells me what else is really a "benefit" for $399 a year nothing. Do not waste your money or time getting this card if you are thinking about it. My current Private Banking Visa Infinite visa gives me 2% redemtion towards all inclusive packages including "taxes". The new card cuts the redemtion to 1%, merely depleting my point value to 50% of the original card. Upgraded to the RBC Infinite Privilege card this past year and it has just been terrible. I would go with the TD Travel Visa where you get 1.5% towards ANY travel including third partied like sell-off-vacations and is a fraction of the annual fee. Cannot reach the Concierge service (gave up after a 30 minute hold on the phone), the travel agent has so many restrictions that it is difficult to use the point (more difficult than in the past). Last fall we wanted to book a Michelin 3 star restaurant in Italy. They eventually got back to me that it was impossible. Except for the fact that I thought that I should also try booking it online since I was not hearing back and there were tables readily available. I asked to speak with a manager at Visa about these issues and was told no one was available and that they would have to call me back. For the $750 fee per year, I don't think it's even close to being worth it. Overall I like my Avion card and the value of the rewards. I'm a business card holder and this is my only product with RBC. As a result the services I get are very limited - I can't get online statements, I can't go back more than 30 days to see transactions, etc. I've talked to customer service and the only way to enhance my service offering is to add a bank account. Rewards are good but not as easy to use as my personal Capital One Aspire credit card. I use the RBC Avion Card on a daily basis for all expenses to collect Avion points for annual travels. Although, I ensure to pay off the card fully each time I utilize the card to avoid high interest fees. I strongly recommend this card to those who travel often!