 Hello everyone, this is financial author Amit Dan of amitdan.com. On this channel you'll find financial travel and more videos just like the one you're watching right now. If you like what you see, just give it a thumbs up and consider subscribing. Hello everyone, this is Amitdan of amitdan.com. Today I'll have another episode of unboxing and brief review video and I'll be presenting the RBC visa infinite avian crate card. This is a travel crate card and it provides flexible rewards options and at the same time this is a hybrid rewards crate card. What it means that the points you receive from RBC visa infinite avian they can be used either as a proprietary points or you can transfer or convert it to airline and other points which all go through slowly. Now before the unboxing, I'd like to mention that this is not a paid or affiliated review. I'm not affiliated with any bank or any crate card companies. So the review you'll see on my website and YouTube channel are totally unbiased and honest and you'll find honest opinion here because I'm not providing any affiliated links where you can click and go through the upgrade card sites so I can make some money. I don't do that so this is totally honest opinion. So let's start with unboxing and then before that some other features you may be interested in this card is that you get 3 cents per liter discount on gas stations at Petro Canada and also the rewards structure which I'll go through shortly. So let's start the unboxing first. So here we have the package and our package or envelope so I'll take out the card from here. Okay so I'll put this here. Let's set it aside a little bit here. So here's the welcome letter and here is the brochure or information folder which is inside the letter. So let's take out everything here and I'll put the welcome letter set aside for now and the crate card is right here. So here we have the certificate of insurance and this card provides 1 point for every dollar purchase and you get 1.25 points for each dollar spent on travel categories and then it has some accelerated categories. For example you get 2 points at Uber and Sex Fifth Avenue. However I was not able to find this information on RBC website so in order to make sure you may want to call RBC if you would like to make sure about that accelerated point for Uber and Sex Fifth Avenue. And let's take a look at the insurances it comes with. So it has medical travel insurance and then it has travel accident insurance, auto rental collision, loss damage insurance and trip cancellation, trip interruption insurance, emergency purchase and flight delay, hotel, motel, burglar insurance and purchase security and extended warranty insurance. In terms of insurance the thing I like about this card is the insurance is provided by RBC Crate, RBC Insurance Company. It's not any third party insurance company like Scotia, Gold and Max or Capital One Crate Guards where the insurance company has bad reputation about providing or giving the claims when you go through the claim. So you are dealing with RBC directly here and in general you have more chances of obtaining your claims from RBC than any other third party insurance which have lots of bad reviews and comments online. For example the insurance company which provides insurance for Scotia, Gold and Max or Capital One Crate Guards is the American Bankers Insurance Company in Florida and if you go through the website or reviews they have lots of people who are having lots of problems with them to claim their insurance or to get help when they need it but with RBC you are supposed to have those problems. You are less likely to have those problems. So that's the thing I like about this card. So travel medical insurance, RBC provides travel medical insurance for 15 days if you are under 65 and if you are over 65 then it comes down to 3 days which is normal for most other Canadian credit cards. So here I highlighted some of the sections and in terms of the value of the insurance I couldn't find anywhere how much is the actual value. So most other Canadian credit cards provide 1 million or 2 million dollars however it doesn't mention anything here so I am going to assume that this is unlimited coverage but you can actually call RBC and confirm that if you need to. So we will go through this quickly. Let's take a look here. Some of the insurance I always look for in a travel credit card is that trip cancellation, trip interruption, flight delay, those sorts of insurance. So it has travel accident issues which is 500,000 dollars in general and let's go to the next insurance which I would like to show you, auto rental, collision and loss damage insurance and the next one is the trip cancellation and trip interruption insurance. That's the most important insurance. From a travel credit card you require if you are paying your trip with that travel credit card. So this credit card actually provides 1500 dollars for trip cancellation which is the maximum amount per person and if you are more than one person then your overall maximum goes up to 5000 dollars in total. And then trip interruption insurance is for each person 5000 dollars per trip and if you are more than one person which is covered by the credit card company as well like your spouse or children then the maximum amount goes to 25,000 dollars which is pretty good. And then here let's go through some other insurance coverages and emergency purchase and flight delay insurance. So this is trip flight emergency purchase is if you are, what it means that if your luggage delay, which is you know lost luggage or luggage delay insurance. So if you are 4 hours late after your arrival of your flight then the maximum amount you can get is up to 500 dollars for any reasonable expenses and then if there is more than one person the maximum amount goes up to 25,000 dollars so this is the flight delay. And then this is the lost luggage insurance and let's go look at the flight delay insurance. So again here it starts after 4 hours of scheduled departure and then the amount is 250 dollars per day which is up to a maximum. And then the overall maximum for all members would be 500 dollars for any one occurrence and again all these start after 4 hours. Some of the credit card flight delay or lost luggage insurance is actually starts after 6 hours so you are getting here 4 hours which is better than after 6 hours so that's another thing to need. And then let's take a look here it has hotel motel burglary insurance. Other credit cards usually do not have this insurance not every credit card has that so RBC is one of them which offers this insurance. And the amount is up to a maximum of 25,000 dollars per burglary occurrence and I don't see there is no aggregate total here so 25,000 dollars total is good for each occurrence. Okay so purchase security accident warranty this is common in every credit card. We don't need to talk about that and here is nothing else. So I'll set this aside here and we have here RBC credit card agreement. This is just a standard credit card agreement for RBC. Not much to mention here just a long piece of paper and you're supposed to go to each of them and upgrade your credit card. So we just set it aside here and the next piece I have here is the disclosure statement. So there is nothing to mention here just possible interest rates and transaction fee, dishonor payment fee, warranty conversion fee which is 2.5% this card charges. Just like most other Canadian credit cards only a few Canadian credit cards do not charge uniformed currency conversion fee which you'll find on my YouTube channel I have those credit cards listed there. So also this is side here and now let's get back to our credit card. So this is the welcome letter and here is the letter and then we'll take our card from here. Okay so here is the RBC Visa Infinite Avion credit card. So this is a Visa Infinite Series credit card and what it means that I'll just set aside the credit card here and what it means that you get the Visa Infinite coverage. Concierge service travel which can arrange your travels and find out any information and basically they can do anything when you call them and this is a free service provided by Visa Concierge. So now let's talk about the point and how to get the maximum out of the credit card. So any credit card which offers let's say proprietary points or hybrid points. Now whenever you're redeeming your points for things like cash redemption or to buy merchandise or to use points directly from the credit card company to purchase flights or any travels then you lose value of the money. So for the RBC points each point is one cent however you're going to lose value if you use that for general merchandise or cash return or you buy a plane flight or other travel using RBC points. So the best value you can obtain is to transfer them into airline points and this credit card converts into a various airlines for example British Airways, American Airlines, I believe Cathay Pacific and there might be something else. But what I'm interested in is the British Airways Avios and from time to time British Airways runs promotion where for every one point they give you a bonus of 1.3 point or sometimes even 1.5 points. So let's say if you're transferring 100,000 points then you're going to end up with British Airways Avios 130,000 or 150,000 points and if you use these points carefully or tactically then you'll be able to get a lot of value out of your points. For example if you use them for business class flights or other flights but in order to do that you need to know how British Airways Avios points work and this is a distant based points structure. Most other airlines offer zone based point redemption but British Airways Avios offers distant based so you have to know how the points work, the ins and outs of points. Then you'll be able to extract the maximum value of your RBC Visa Infinite credit card points which you're going to convert to British Airways Avios points. You'll be able to extract the same value if you carefully convert it to American Airlines and use them to redeem for business class flights. So these are the ways you can get maximum value out of the points. For example if you have been watching my channel you know that I just finished the Asia trip which I flew on business class return paying almost nothing or very little which came out from the credit card. So if you technically or if you carefully use the RBC British Airways Avios Avion credit card and convert it to British Airways or American Airlines and if you know these points then you can get a lot of value out of this credit card. For other redemption it's not going to give you much value you may get 1 cent per point but let's say if you're redeeming the RBC from RBC directly which is the RBC reverse points where it works as a proprietary points then you might get some little more value if you redeem them during high demand period than low demand period. The least point you need to redeem 15,000 and then you can have short flights within the province or short distance using RBC points. And what I can tell that if you do so let's say you don't want to go through the hassle or if you don't want to redeem for British Airways or American Airlines and if you'd like to redeem from RBC directly than just to redeem it for high demand time or during those time when you know plan fares goes up in that way you'll get more value. And that insurance coverage is excellent and backed by RBC's own insurance which is the thing I like. And I also like that you're getting the visa infinite benefits they provide lots of benefits and then also the points are hybrid points so you have the flexibility you can either convert it to airline points or you can convert for other redemption directly from RBC. So that's basically all for these RBC points and RBC visa infinite avion credit card and if you like what you see please give it a thumbs up and consider subscribing. I have more credit card reviews and articles on my channel and there will be more so please subscribe and like and I hope to see you shortly. Thank you.