RBC® Cathay Pacific Visa‡ Platinum card

RBC® Cathay Pacific Visa‡ Platinum card: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.


About credit card

The RBC Cathay Pacific Visa Platinum is a travel rewards credit card offered by Royal Bank of Canada (RBC) in partnership with Cathay Pacific Airways. Cardholders can earn points through their purchases, which can be redeemed for flights and other travel-related purchases with Cathay Pacific or its partners. This card often comes with perks such as airport lounge access, travel insurance, and concierge services. Additionally, it may have a higher annual fee and interest rate compared to other credit cards, as well as specific requirements for eligibility, such as a minimum income. It's recommended to review the terms and conditions and compare the benefits against the costs before applying for the card

Features

The features of the RBC Cathay Pacific Visa Platinum credit card include:

  1. Travel rewards. Cardholders can earn Asia Miles with Cathay Pacific Airways for every dollar spent on eligible purchases.
  2. Lounge access. Cardholders may have access to airport lounges through the Priority Pass program.
  3. Travel insurance. Cardholders may receive travel medical insurance, trip cancellation insurance, and flight delay insurance.
  4. Concierge services. Cardholders may have access to a 24/7 concierge service for assistance with booking travel and other services.
  5. Bonus points. Cardholders may receive bonus Asia Miles for signing up, making purchases within the first few months of opening the account, or meeting certain spending thresholds.

It's important to note that the specific features and benefits of the RBC Cathay Pacific Visa Platinum credit card may vary and are subject to change. Before applying for the card, it's recommended to review the current terms and conditions to understand the full range of benefits and requirements.

How to apply for RBC Cathay Pacific Visa Platinum credit card?

  1. Visit the RBC website. Go to the RBC website and navigate to the credit card section to find information about the RBC Cathay Pacific Visa Platinum card.
  2. Review the terms and conditions. Carefully read and understand the terms and conditions of the card, including the rewards program, annual fee, interest rate, and other features.
  3. Check your eligibility. Make sure you meet the eligibility requirements for the card, such as minimum income and good credit history.
  4. Complete the application form. Fill out the online application form with your personal and financial information. You will also need to provide information about your employment, income, and assets.
  5. Submit the application. Submit the completed application form and wait for a response from RBC. This process may take several days or up to two weeks.

Rates and fees

Once your application has been reviewed and approved, you will receive your RBC Cathay Pacific Visa Platinum credit card in the mail, along with instructions on how to activate and start using it. The rates and fees associated with the RBC Cathay Pacific Visa Platinum credit card may include:

  1. Annual fee. An annual fee is charged to cover the cost of maintaining the card. The specific amount of the annual fee may vary and is subject to change.
  2. Interest rate. An interest rate is charged on the outstanding balance on the card if the balance is not paid in full each month. The interest rate may vary based on the prime rate and the cardholder's creditworthiness.
  3. Foreign currency conversion fee. A foreign currency conversion fee may be charged when making purchases in a foreign currency or when converting points to another currency.
  4. Late payment fee. A late payment fee may be charged if the minimum payment is not made by the due date.
  5. Balance transfer fee. A balance transfer fee may be charged for transferring a balance from another credit card.

It's important to review the current rates and fees associated with the RBC Cathay Pacific Visa Platinum credit card before applying, as they may vary and are subject to change. Additionally, it's a good idea to compare the fees and interest rate of this card against other travel rewards credit cards to determine the best option for your needs.

Pros and Cons

Pros

  1. Travel rewards. Cardholders can earn Asia Miles with Cathay Pacific Airways for every dollar spent on eligible purchases, which can be redeemed for flights and other travel-related purchases.
  2. Lounge access. Cardholders may have access to airport lounges through the Priority Pass program, which can enhance the travel experience.
  3. Travel insurance. Cardholders may receive travel medical insurance, trip cancellation insurance, and flight delay insurance, which can provide peace of mind when traveling.
  4. Concierge services. Cardholders may have access to a 24/7 concierge service for assistance with booking travel and other services, which can save time and effort.

Cons

  1. High annual fee. The card may have a higher annual fee compared to other credit cards, which can be a drawback for some cardholders.
  2. High interest rate.The card may have a higher interest rate compared to other credit cards, which can be a drawback for those who carry a balance from month to month.
  3. Foreign currency conversion fee. A foreign currency conversion fee may be charged when making purchases in a foreign currency or when converting points to another currency, which can add to the cost of travel.
  4. Eligibility requirements. The card may have specific eligibility requirements, such as a minimum income, which may limit the number of cardholders who can apply.

Before applying for the RBC Cathay Pacific Visa Platinum credit card, it's important to carefully weigh the pros and cons and determine if the card is a good fit for your needs and financial situation.

Requirements

  1. Residency. You must be a resident of Canada.
  2. Age. You must be at least 18 years old to apply for the card.
  3. Income. You must have a minimum annual income, which may vary depending on the card.
  4. Credit history. You must have a good credit history and a good credit score.
  5. Financial stability. You must be able to demonstrate stability in your financial situation, such as a stable job and income.
  6. Other information. You may also be required to provide additional information, such as your employment status, total assets, and liabilities.

How to lock for missing or stolen cards?

To report a missing or stolen RBC Cathay Pacific Visa Platinum credit card, you can follow these steps:

  1. Contact RBC. Call the RBC credit card customer service number as soon as possible to report the card as missing or stolen. The customer service number can be found on the back of the card or on the RBC website.
  2. Provide details. Provide the customer service representative with the necessary information, such as the date and time the card was last seen, the card number, and the billing address.
  3. Cancel the card. The customer service representative will cancel the missing or stolen card and issue a new card to the cardholder.
  4. Follow up. Keep track of the status of the replacement card and follow up with RBC if there are any issues.

In the meantime, it's important to monitor your account activity for any unauthorized charges and report them to RBC as soon as possible. Reporting a missing or stolen card as soon as possible can help minimize the potential for fraudulent activity and protect your credit.

Issue and repayment

Issues and repayment for the RBC Cathay Pacific Visa Platinum credit card are managed by RBC. If you have any issues with the card, such as a missing payment or a disputed charge, you can contact RBC directly for assistance.

Repayment for the RBC Cathay Pacific Visa Platinum credit card is typically made through monthly payments to RBC. The minimum payment amount, due date, and interest rate will be specified in your monthly statement. It is important to make timely payments in order to avoid late fees and to maintain a good credit score.

If you are having difficulty making your payments, it is important to contact RBC as soon as possible to discuss your options. They may be able to offer assistance, such as a modified payment plan or a temporary suspension of payments, to help you manage your debt.

Note: Information in this answer is general in nature and may not apply to your specific situation. It is always recommended to review your credit card agreement or contact the issuer directly for specific information regarding your card and account.

RBC Cathay Pacific Visa Platinum vs RBC British Airways Visa Infinite

The RBC Cathay Pacific Visa Platinum and the RBC British Airways Visa Infinite are both travel rewards credit cards offered by RBC. However, there are some key differences between the two cards:

  1. Rewards program. The RBC Cathay Pacific Visa Platinum card earns Asia Miles with Cathay Pacific Airways, while the RBC British Airways Visa Infinite card earns Avios with British Airways. The rewards programs have different redemption options and may have different restrictions, so it's important to review them carefully to determine the best fit for your travel needs.
  2. Annual fee. The annual fee for the RBC Cathay Pacific Visa Platinum card may be higher compared to the RBC British Airways Visa Infinite card.
  3. Travel benefits. The RBC Cathay Pacific Visa Platinum card offers lounge access through the Priority Pass program, while the RBC British Airways Visa Infinite card may offer lounge access through the British Airways Executive Club. The travel insurance benefits and concierge services may also vary between the two cards.
  4. Eligibility requirements. The RBC Cathay Pacific Visa Platinum card may have specific eligibility requirements, such as a minimum income, which may limit the number of cardholders who can apply.

It's important to carefully compare the features, benefits, and fees of both the RBC Cathay Pacific Visa Platinum and the RBC British Airways Visa Infinite credit cards to determine the best fit for your needs and financial situation.

RBC Cathay Pacific Visa Platinum vs RBC Avion Visa Infinite

The RBC Cathay Pacific Visa Platinum and the RBC Avion Visa Infinite are both travel rewards credit cards offered by RBC, but there are some key differences between the two:

  1. Rewards program. The RBC Cathay Pacific Visa Platinum card earns Asia Miles with Cathay Pacific Airways, while the RBC Avion Visa Infinite card earns RBC Rewards points. The rewards programs have different redemption options and may have different restrictions, so it's important to review them carefully to determine the best fit for your travel needs.
  2. Eligibility. The RBC Cathay Pacific Visa Platinum card is designed for personal use, while the RBC Avion Visa Infinite card is also for personal use. The eligibility requirements and application process may differ between the two cards.
  3. Benefits. The benefits offered by the RBC Cathay Pacific Visa Platinum and the RBC Avion Visa Infinite cards may differ, such as lounge access, travel insurance, and concierge services.
  4. Fees. The fees for the RBC Cathay Pacific Visa Platinum and the RBC Avion Visa Infinite cards may differ, such as the annual fee, interest rate, and foreign currency conversion fee.

It's important to carefully compare the features, benefits, and fees of both the RBC Cathay Pacific Visa Platinum and the RBC Avion Visa Infinite credit cards to determine the best fit for your travel needs and financial situation.

RBC Cathay Pacific Visa Platinum vs WestJet RBC World Elite Mastercard

The RBC Cathay Pacific Visa Platinum and the WestJet RBC World Elite Mastercard are both travel rewards credit cards offered by RBC, but there are some key differences between the two:

  1. Rewards program. The RBC Cathay Pacific Visa Platinum card earns Asia Miles with Cathay Pacific Airways, while the WestJet RBC World Elite Mastercard earns WestJet dollars. The rewards programs have different redemption options and may have different restrictions, so it's important to review them carefully to determine the best fit for your travel needs.
  2. Eligibility. Both the RBC Cathay Pacific Visa Platinum and the WestJet RBC World Elite Mastercard are designed for personal use. The eligibility requirements and application process may differ between the two cards.
  3. Benefits. The benefits offered by the RBC Cathay Pacific Visa Platinum and the WestJet RBC World Elite Mastercard may differ, such as lounge access, travel insurance, and concierge services.
  4. Fees. The fees for the RBC Cathay Pacific Visa Platinum and the WestJet RBC World Elite Mastercard may differ, such as the annual fee, interest rate, and foreign currency conversion fee.

It's important to carefully compare the features, benefits, and fees of both the RBC Cathay Pacific Visa Platinum and the WestJet RBC World Elite Mastercard to determine the best fit for your travel needs and financial situation.

FAQ

How much is the credit limit for RBC Cathay Pacific Visa Platinum?

The credit limit for the RBC Cathay Pacific Visa Platinum credit card is determined by RBC based on an individual's credit history, income, and other factors. The credit limit can range from several thousand dollars to tens of thousands of dollars, depending on the individual's financial situation and creditworthiness.

It is important to note that having a higher credit limit does not necessarily mean that an individual should use the entire limit. It is important to only use what you need and to make payments on time in order to maintain a good credit score.

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21.11.2022
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Last update 01.04.2024
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