Totto Spa & Salon
Manage your Business Expenses.
Reward Your Hard Work.
Meet Peter James Chang, owner of the Totto Spa & Salon. Peter uses the RBC Royal Bank® Visa* Business Platinum Avion® card. Having a separate card for his business spending simplifies his expense management. He gets a statement specifically for his business spending. "It makes my accountant happy," he says.
The RBC® Business Avion card lets Peter maximize his travel rewards by combining his RBC Rewards® points from his business and personal Avion cards. He's able to fly sooner to where he wants, when he wants. On any airline, with no blackouts or seating restrictions.
Get more for your business spending with the Business Avion card
The Avion card allows you to redeem points for flights on any airline with no blackouts and no seating restrictions. We're offering 2,500 bonus RBC Rewards points upon enrolment plus an additional 2,500 points upon your first renewal. That's 5,000 points! With air travel starting as low as 15,000 points …You'll be flying in no time!
See program details below.
Summary of Benefits††
RBC Rewards Program
- The freedom to redeem points on any airline
- Flexibility to redeem with no blackout periods or reward seat restrictions
- Air travel rewards start as as low as 15,000 points
- First card issued to the business applicant receives 2,500 bonus points upon first renewal, then 2,500 bonus points each following year at renewal, applied to your Visa account
- Combine RBC Rewards points from your Business and Personal Avion cards into one account.*** Your Business Avion card annual fee may be reduced to $50 making it more affordable to separate your business from personal spending. Details
- Transfer points to Asia Miles or BA Miles to access business class seats
- With RBC Rewards you can redeem points for over 200 name brand merchandise items, and retail gift certificates or movie passes. You can turn RBC Rewards merchandise and gift certificates into incentives for valued employees, gifts for clients, or simply a way to reward yourself!
- You can also redeem points for RBC Registered Rewards vouchers towards RESPs and RRSPs with us
Other benefits
- Supplementary cards are available
- Worldwide cash access of up to $1,000 per day (or your available credit limit. Subject to daily limits.)
- Chip technology safeguards help protect your card from fraudulent use
Optional Benefits
Insurance
- Travel Accident Insurance1
- Flight Delay Insurance2
- Emergency Purchases Insurance3
- Hotel/Motel Burglary Insurance3
- Auto Rental Collision/Loss Damage Insurance4
- Purchase Security and Extended Warranty Protection3
- Liability Waiver Insurance4 protects your business against certain unauthorized charges by employees
Fee Information
| Interest Rate |
Grace Period |
Annual Fee for first card |
Annual Fee for supplementary cards |
| 19.5% |
17 Days‡ |
$120 |
$50 |
* Registered trademark of Visa International Service Association. Used under license.
** RBC Rewards points are earned only on purchases; points are not earned on cash advances, interest charges, fees or credits.
*** For more information, see the Business Avion Terms and Conditions for RBC Rewards
†† For more details, see the Redemption Brochure and Rules & Regulations in your Welcome Kit. Please read these carefully.
± Excludes PIN initiated cardholder transactions such as ATM transactions.
® RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
1 Coverage underwritten by Desjardins Financial Security Life Assurance Company
2 Coverage underwritten by RBC Insurance Company of Canada
3 Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada
4 Coverage underwritten by Royal & Sun Alliance Insurance Company of Canada
All insurance is subject to limitations and exclusions. Please refer to your insurance certificate in your Welcome Kit for complete details.
‡If the previous New Balance was not paid in full by the Payment Due Date, your Payment Due Date will be extended to 25 days from the last day of your Visa Statement Period regardless of the type of Visa Card you hold.
~ Trademark of Carlson Marketing Canada Limited
The CardAssist Plus services are provided by Carlson Marketing Group Canada Ltd.; they, not RBC Royal Bank, are responsible for the program.
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