 Hello everyone. This is Amit Don of AmitDon.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, please give it a thumbs up and consider subscribing Hello everyone, this is AmitDon of AmitDon.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, please give it a thumbs up and consider subscribing Today I'll be unboxing and do a brief review of the RBC British Airways Visa Infinite card which is right here and Before I do that, I'd like to talk about The British Airways Executive Club or Avios points Because this card is all about Avios points, which are also the same as the British Airways Executive Club Avios points, which is right here Now The sole purpose of this great card should be to collect Avios points and in order to do that, if you'd like to collect Avios points, then you should know in and out and you should know all the basics of the One world and how the Airlines Alliance work and How the Avios points work now the One world Alliance is made of these airlines. For example, Air Berlin American Airlines British Airways Let me just zoom a little bit here and Pacific Fin Air Qatar Airways, Japan Airlines, Qantas, Malaysia, Sri Lankan All these airlines. I Believe there are 16 airlines, but I'll just make sure 1 2 3 4 5 6 7 9 10 11 12 13 14 Yeah, there are 16 airlines all together. So when you have Avios points You'll be able to use on any of these member Airlines You don't have to use on British Airways and actually you shouldn't be use Avios on British Airways because British Airways Implements heavy fuel surcharges on Avios points. So if you redeem them on British Airways, then you'll be paying Heavy fuel surcharges, which you can easily avoid on other Airlines And also British Airlines Airlines British Airways is getting orders day by day earlier this year they eliminated a free food and drinks on their short-haul file flights and they're actually considering eliminating free food and drinks on long-haul flights. Of course, this is in the economy class and In terms of the the way they treat their own Executive club members, which are the holders of Avios points. They Make them or force them to pay heavy Charges, which you can easily avoid with other airlines. So anytime you're having a credit card Which are tied tied to any? Airline program you need to know all about that airline program to successfully redeem your points now in Canada Only a few credit cards are attached to airline points. For example, we have here the British Airways Avios Visa Infinite, which of course with tied to British Airways Avios points and one World Alliance and then we have from RBC WestJet Master credit card, which is also tied to WestJet Airlines and Actually recently WestJet announced that you can use WestJet points to Reading for Delta Airlines and Then we have the TD Airplan Visa Infinite card, which is tied to the Airplan program, which is a part of the Another Airlines Another Airlines Alliance and then we have another credit card, which is the MBNA Alaska Airlines card which is tied to Alaska mileage plan and The beauty of Alaska mileage plan is that it's not tied to any Alliance rather sort out it pick Specific members from all alliances and non-aliances. So when you have Alaska mileage Plan points then you can actually reading for Many airlines without It's not tied to any alliances. So I cannot think of any other credit cards in Canada that give you points for airlines except these four card right now So again, whenever you have a credit card, which is attached to Any alliance that it should be Knowing everything about that alliance or in the program. So you can redeem it for To maximize your points So now the British Airways avius program is tied to one world and then you can easily Fly for any other any members of that program and you should avoid You should avoid British Airways because the charge hefty fuel surcharges now The British Airways credit card I have here Before I open the credit card, I would like to mention that This is very similar to RBC's another credit card, which is the visa infinite avion credit card Which I have it right here Now the point earning ratio or rate is very similar between these two cards if you take a look at here that You can take you get one points per dollar spent on this card and Then on the British Airways card you your earning rate is same one point per One avius for each dollar spent however, they're saying that you receive a companion our e-voucher So what it means that once you have enough point to redeem for British Airways? Then they would give you a points. They would give you a companion flight for free Now in order to do that you have to spend 30,000 per year and then you have to redeem the flight on avius points and then the same problem here whenever you're redeeming avius for British Airways You're gonna be hit with hefty fuel surcharges So receiving a companion flight each year after spending $30,000 just to pay hefty fuel surcharges Which can be easily avoided with flying other alliance members here Makes no sense. So you shouldn't be having this card to get the companion fare because He will spend much on fuel surcharges and you lose money And another advantage it has that it gives you 10% discount on British Airways flights when you purchase using this card the RBC British Airways and that Again, you want to avoid flying British Airways and the other thing about this card I don't like although you're paying more for example your annual fees here $165 per year and for this avion card is only $120 per year So although your annual fee is $165 you're not getting full insurance coverage For example, it doesn't have trip cancellation insurance. It doesn't have trip interruption insurance, which are the most vital insurances for travel insurance It has some insurances for example, it has purchase security and extended warranty medical insurance Flight deal insurance hotel motel burglary insurance Auto rental collision and damage travel accident However, it doesn't have trip cancellation and trip in introduction insurance So in terms of insurance the British Airways card is a weak card So you shouldn't have this card to book when you purchase your travel Tickets for example hotel or plane because you're losing some insurances Another thing with this British Airways card is that you get flat one point per dollar spent and with visa infinite avion You're getting one point per dollar spent as well. However from time to time RBC runs promotion where you can transfer points at 150% or 125% bonus for example if you have 10,000 points you'd be getting a 15,000 points when you transfer to avion to avios So that's the beauty of this card that although you're essentially you're earning only one point per dollar However, when you transfer and you wait for the RBC promotion, then you can convert your points from one is to 1.5 or 1.25. So this is a better card in terms of earning and in terms of insurance in terms of Anolfi and everything so this card British Airways, I wouldn't make it a regular Day-to-day card the reason I got this card because they're offering 30,000 bonus points I'm sorry 50,000 bonus points if you spend $9,000 in the first three months. So In the end 35 plus 15, I'll be getting 50,000 avios bonus points After I spend $9,000 in three months and that's the purpose of my having this card and Then after that once I'm close to one year I'm going to cancel this card because I want to pay $165 another year for a card which doesn't have full insurance coverage and which doesn't give you any bonus point transfer and Which doesn't give you Any other benefits. So there's no point to keep this card year after year now The British Airways Visa Infinite card has visa infinite concierge Because it's a visa infinite card. So that's a good thing. You can call 24-7 for any type of help Travel booking any questions any problem. You're in a foreign land So because any card part of visa infinite would give provide you that service and This card actually has the same service because it's a visa infinite card as well right here So That's all about points for now not now let's go to unboxing our card. Okay, so I'll just put this aside a little away. I should just to make it better. Let me fold this here Okay, so here Okay, so there's nothing inside the envelope I'll put it aside for now and looks like we have a brochure type of Thing which says British Airways here and then I'll put it aside for now and we have a credit card in here. So The credit card in this letter, I'll just set it aside for now and Let's go through the brochure Okay, so it has a nice cover and Looks like we have some Disclosure here, so let's take a look at these Okay, so this is just talks about your initial credit limit annual Interest rate interest free grace period Determination of interest all sort of stuff and minimum payment foreign currency conversion Usually most Canadian cards charges 2.5% foreign currency when you make purchases in Other currency than Canadian dollars However, there are some cars that do not charge that and I have discussed those cars on my YouTube channel Which you can view later on so here they have annual fee other fees promotional rate So this is just some Information about the card. I'll set it aside for now and then here we have RBC Agreement. Oh, this is looks like a long page and this just you know spills out everything about your car opinions and Some here we have a chart showing other RBC cards annual fees and other information and So this is just some information on great person stuff and same here on the back So whenever you have a great car you should actually go through these Briefly because there are lots of information People have great cars and they do not know and then they realize later on when they do a mistake Okay, so I'll set it aside for now Now let's open up this one brochure here. So this is benefit guides RBC visa infinite Avion card so visa infinite British Airways card and We have British Airways avius points logo here and Let's take a look here So let your expectations soar. So here just tells about How much you're getting for example one points per dollar and two points per dollar when you spend on British Airways and then insurance Tells about the insurances, but we already know that it doesn't have trip cancellation and tripping interruption an additional benefit to complimentary 24 7 concierge service Which is actually provided by visa infinite not RBC and then exclusive access to Kiwi collection music and dining privileges So all these are actually provided by Visa infinite and then You have to activate your card, which we understand and then there's just a picture Here Okay, now it's here is just showing you that you can arm faster a faster by purchasing every day with this card, which we understand that and Here as a member of the British Airways executive club every avius you earn would be automatically credit to your Account and you will also receive priority wait list male preferences executive offers ability to access Okay, reward fights for travel on British Airways and on any one world airline with your avius Which I just described a little bit before that once you have a member of a Airline point program then you can redeem your for any airline any members of that alliance For example for this one British Airways. We counted that there's 16 alliances if you have aeroplane then There are which is a part of the star alliance and which are I believe they're more than 23 or 25 members so it's just like That's what they're describing here And then here take off sooner So it's just you know, there's they're giving you a breakdown a little bit information about how many of us points You need to fly for example, London you require 50,000 avius points and Italy 65 India 100,000 and Spend 30,000 more and you'll be getting a Companion hour if voucher which you can use to bring along a companion same flight same class same Kevin The next time you go book your your flights with British Airways That's the catch. That's what they're trying to get you the card and keep it year after year to spend 30,000 and you redeem on Avius on British Airways and then you get a companion voucher But it's not a good idea as I mentioned before the impose heavy field searcher just And another quick note about as you a program that most other rewards program are actually chart base or zone base They have they are you know points required to redeem would be based on the zone for example for Asia one for one Zone Europe would be another zone Africa However, Avios doesn't work that way. It's a distance based program. It doesn't based on any zone It's based on distance. So if you have long flights, usually, it's not a good idea to long distance It's not a good idea to redeem Avios, but if you have short distance, then you can make Good redemption and Avios for example before Avios had four thousand five hundred dollar four thousand five hundred points redemption within North America, but they stopped it. I believe it's now seven thousand five hundred points once they devalued the Avios program Okay, so now visa infinite advantages zero card holder Liability travel made special Which they're just talking about the concierge looking after you in the air and on the ground I mentioned that you know you can call To your concierge anytime and they will give you they will help you anyway However, there are other trade cards. They provide concierge services to they may not be visa infinite concierge But they are different concierges. For example, American Express Platinum has concierge BMO World Elite MasterCard has concierge So there are lots of other concierge services and then here just talking about adding a pre-authorized payment and stuff Here looks like they're giving us some telephone numbers to call for example visa infinite concierge phone number So for example, actually these visa infinite web address and concierge phone number Would work for any trade card which is which has visa infinite logo on it So let's say you don't have to wait for RBC visa infinite card to call Visa infinite concierge and get help if you have a TD card or CIBC infinite card visa infinite card. This is the same Number and website they will provide you help Okay, so we went through this I'll put it back here and then looks like we have a insurance of certificate here, so it just you know gives you details of all the insurances this card has Will not go through all these and we already know that This card doesn't provide you vital the insurances you would require when you travel which are trip cancellation and trip interruption insurance and then we have Notice regarding upcoming annual changes. So this is just about they're changing the annual fee and stuff They always increase the annual fee and other fees So whenever you have a great card, I do not keep or carry over balances from month to month Always pay on time and that way you can enjoy all the benefits of the points and you don't have to be interested Interest fee. Okay, so here We are done with that. I'll just set it aside for here and then let's go back to our card Okay, so here is just a letter mentioning that okay. Here's your new card and Set up your pre-authorized payment and all sort of stuff and on this side of the page We have the create limit the annual fee Determination of interest minimum payment foreign currency also information Okay, so let's take out a card Okay, so here We have the card and I'll just take off this sticker and then I'll show you Okay, just push it here for now Okay, so this is how it looks like it's a black card It has British Airways logo right here RBC logo right here and design Phoenix logo right here and Actually, they had my avius number right here which I like because my TD visa infinite trade card doesn't have the airplane number on The card but looks like they for this one. They put the British Airways is really member plan number or avius number right here Okay, so this is how the British Airways visa infinite card looks like and again this card has $165 annual fee and you earn one point per dollar spent However, in terms of making it a long term, I wouldn't suggest to make this a long term because you can you get better deal on this card, which is visa infinite avion because avion has better insurance coverages and Avion has more Option because it gives you Promotional transfer throughout the year, so you will be able to get More points when you transfer to same avius from avion However with British Airways when you earn the avius directly with this card. There's no such promotion So you are in advantage with this card than this card. However, the reason This getting this card is that from time to time they're on promotion For example, they're giving 50,000 points or avius points when you spend certain amount of money this time It has it is $9,000. So that's the reason for my card. Let's accept that I Believe this is this card is a better option than this card because it gives you more choices and more insurance coverages Okay, so that's all for now and I do have other trade card unboxing and reviews on my youtube channel and I'll be writing them about on Ahmed dawn.com as well If you follow if you're already if you have been following me that you know that I'm moving my Iran journal website to Ahmed dawn.com. So I'll be moving for the new post I'll be putting them on Ahmed dawn.com and also keep an eye on my channel for other travel Points programs and travel tips Thank you for watching. If you like what you see, please consider subscribing and give it a thumbs up. Thank you