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Banking with RBC comes with serious perks and rewards
Beyond Banking Offers
Legal Disclaimer*)
Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.
Legal Disclaimer1)
Tickets subject to availability. In order to purchase tickets through
RBCxMusic.com,
you must authenticate yourself as an RBC client (using your RBC Royal
Bank online banking card number/username and password) and purchase
through the Ticketmaster application programming interface
("Ticketmaster API"). In order to obtain the applicable discounts,
please select the ‘RBCxMusic’ ticket type from the drop down menu.
Ticketmaster content (event name, dates, times, venue name, and
additional information such as Tickets, Attendees, Orders (“Event
Content") are owned by the event organizers and/or Ticketmaster. Any
purchase of tickets through the Ticketmaster API will be governed by
Ticketmaster’s Terms of Use, located at www.ticketmaster.ca. Royal
Bank of Canada (“RBC”) is not responsible for any terms and conditions
applicable to your purchases and returns. RBC reserves the right to
cancel, modify or withdraw this exclusive access to tickets at any
time.
Legal Disclaimer2)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is
operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC
Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are
operated by Royal Bank of Canada.
Legal Disclaimer3)
Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. There is a limit of 999 free Interac e-Transfer Transactions per Month per Account. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.
Legal Disclaimer3a)
Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer transaction is sent to cancel without charge. A $5.00 Interac e-Transfer transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period
Legal Disclaimer4)
RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document. You must advise us of your student status at the time of account opening an RBC Advantage Banking for students account and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.
Legal Disclaimer5)
Free Debit Transactions are calculated per Monthly Cycle. $1.25 is
charged for each debit over the monthly limit. RBC Virtual Visa
Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage
payments, pre-authorized and self-serve RBC Royal Bank credit card
payments and contributions to RBC investment accounts (such as GICs,
Royal Mutual Funds, Registered Savings Plans, Registered Education
Savings Plans, Registered Disability Savings Plans and Tax-Free
Savings Accounts) from your RBC Advantage Banking for students are
free of charge.
Legal Disclaimer6)
An ATM operator surcharge (also called convenience fee) may be charged
by other ATM operators. The convenience fee is not a Royal Bank fee.
It is added directly to the amount of your cash withdrawal. All
clients who use non-RBC ATMs may be charged a convenience fee
regardless of the type of account they hold.
Legal Disclaimer8)
Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (“Eligible Student Bank Account”) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an “Eligible Credit Card”), the annual fee of your Eligible Credit Card may be fully rebated, every year:
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| RBC ION+ Visa | $4 a month ($48 annually) |
| WestJet RBC MasterCard | $39 |
| Signature RBC Rewards Visa | $39 |
| Visa Cash Back Card | $19 |
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer9)
The interest rate is an annual interest rate. It is a simple interest
calculation. Interest is calculated daily on the closing credit
balance and paid monthly. Interest rate is subject to change at any
time without notice.
Legal Disclaimer10)
Fees may apply on the account from which the money has been
transferred.
Legal Disclaimer11)
Debit Transactions in RBC Leo’s Young Savers Account®: RBC
Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank
mortgage payments, pre-authorized and self-serve RBC Royal Bank credit
card payments and contributions to RBC investment accounts (such as
GICs, Royal Mutual Funds, Registered Savings Plans, Registered
Education Savings Plans, Registered Disability Savings Plans and
Tax-Free Savings Accounts) from the RBC Leo’s Young Savers Account are
free of charge. All other Debit Transactions from these Accounts are
counted as Debit Transactions towards the free monthly Debit
Transactions included in the Account, and give rise to an Excess Debit
Transaction Fee, if the total free monthly Debit Transactions are
exceeded.
Legal Disclaimer12)
RBC® named Highest in “Customer Service Excellence Among the Big Five Banks" by Ipsos 2022, "Highest in Customer Satisfaction Among Canadian Mobile Banking Apps" and “Highest Customer Satisfaction with Retail banking Advice” from J.D. Power 2022.
Legal Disclaimer13)
Offers are available to clients with an RBC Royal Bank debit card tied
to a personal chequing account and/or an eligible RBC Royal Bank
credit card. Program access is determined by RBC and based on the
client’s preferences and account status. All offers are subject to
eligibility. Please refer to the terms and conditions for each
specific offer for more details. RBC Commercial Visa and RBC U.S.
Dollar Visa Gold cards are not eligible for offers. Other exceptions
may apply to certain offers.
Legal Disclaimer14)
This is the account you access with your RBC Royal Bank Client Card
when you select the “Chequing” option on a merchant payment terminal
or at an automated teller machine. Not available for the Leo’s Young
Saver’s Account.
Legal Disclaimer15)
You will earn 1.5 Avion points for every $1.00 in Grocery, Rides, Gas,
Electric Vehicle Charging, Streaming, and Digital Gaming &
Subscriptions Purchases you make on your RBC ION Visa credit card at
merchants classified by Visa’s “Merchant Category Code” (MCC).
Depending on how certain merchants are categorized by Visa’s “Merchant
Category Code” (MCC) they may not qualify as an eligible MCC. Eligible
MCCs are listed as:
(i) “Grocery Stores and Supermarkets” (MCC 5411) are “Grocery Purchases”;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”;
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite, and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION Visa credit card.
Even though some merchants may sell Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Rides, gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
(i) “Grocery Stores and Supermarkets” (MCC 5411) are “Grocery Purchases”;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”;
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite, and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION Visa credit card.
Even though some merchants may sell Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Rides, gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
Legal Disclaimer16)
Refers to Purchase Security and Extended Warranty insurance. Coverage
underwritten by RBC General Insurance Company in the province of
Quebec and by RBC Insurance Company of Canada in the rest of Canada.
All insurance is subject to limitations and exclusions. Purchase
Security Insurance provides coverage for direct accidental physical
loss or damage to personal property or gifts that are paid in full on
your RBC credit card for 90 days from the date of purchase. Refer to
the insurance booklet for complete details.
Legal Disclaimer17)
Avion points are earned on qualifying net purchases only; they are not
earned on cash advances (including balance transfers, cash-like
transactions and bill payments that are not pre-authorized charges
that you set up with a merchant), interest charges or fees, and
credits for returns and adjustments will reduce or cancel the points
earned by the amounts originally charged.
Legal Disclaimer18)
RBC Canada, the Avion Rewards app, and RBC Online banking are operated
by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of
Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Standard message and data charges apply to any Bonus Offers you
fulfill using your device.
Legal Disclaimer19)
To be eligible for this offer your application for the RBC ION+ Visa credit card must be approved by us. The 3,500 Avion points (“Welcome Points”) will appear within the first two monthly statements. 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account is open and in good standing at the time you reach $500 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, and fees. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $500 will cancel your additional Avion points. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC ION+ Visa card 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 cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
Legal Disclaimer20)
All rewards are subject to availability. The regular redemption rate
for Avion Rewards members, is 3,500 Avion points for $25 in
Amazon.ca, iTunes,
Starbucks, McCafe, Indigo or Cineplex gift cards. Point redemption
values may fluctuate. For complete terms, conditions and restrictions
that apply to the Avion Rewards program, please visit
www.avionrewards.com
or call 1-800-769-2512.
Legal Disclaimer21)
You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in
Grocery Store Purchases you make, up to a maximum of $6,000 in Grocery
Store Purchases per Annual Period, ii) $1.00 back for every $100.00
(1% Cash Back Credit) in Grocery Store Purchases you make in excess of
$6,000 during an Annual Period, unlimited, iii) $0.50 back for every
$100.00 (0.5% Cash Back Credit) in Net Purchases you make (including
pre-authorized bill payments), other than Grocery Store Purchases, up
to a maximum of $6,000 in Net Purchases (other than Grocery Store
Purchases) per Annual Period, and iv) $1.00 back for every $100.00 (1%
Cash Back Credit) in Net Purchases you make (including pre-authorized
bill payments), other than Grocery Store Purchases, in excess of
$6,000 during an Annual Period, unlimited.
Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store and other purchases (up to your available credit limit) per Annual Period. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank of Canada be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.
Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store and other purchases (up to your available credit limit) per Annual Period. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank of Canada be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the Cash Back Credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.
Legal Disclaimer22)
This offer only applies to new applications for an RBC Cash Back Mastercard credit card received between Feb 27, 2025 and July 8, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Cash Back Mastercard credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Cash Back Mastercard credit card during the Offer Period, are not eligible for this offer.
You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.
If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only
You will earn an additional $5.00 back for every $100.00 (5% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged.
If you close or change your RBC Cash Back Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome Bonus has been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only
Legal Disclaimer23)
To be considered an eligible student for the purposes of one of the
Royal Credit Line for Students promotional offers , you must be
enrolled in an eligible program of study at the post-secondary level
at a college, university, or other educational institution, as more
particularly described in the terms and conditions for the relevant
promotional offer. Proof of enrollment may be required. See also notes
56 and 57 for additional details regarding promotional offer
eligibility based on programs of study.
Legal Disclaimer24)
“RBC Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. Prime minus 0.25% on the Royal Credit Line are available to clients participating in the RBC Healthcare Advantage program. The discounted rate is subject to change at any time without notice. On July 13, 2023, the Royal Bank Prime Rate was 7.200%.
Legal Disclaimer25)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is
operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC
Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are
operated by Royal Bank of Canada.
Legal Disclaimer26)
Offer available July 3, 2025 - November 3, 2025 (“Promotional Period”)
This Promotional Offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Promotional Offer is AirPods 4 Reward with an Eligible Personal Banking Account.
To qualify for the AirPods 4 Reward you must open your first new Eligible Personal Banking Account by 9:00 PM EST on November 3, 2025 and complete two (2) of the following Qualifying Criteria by 9:00 PM EST on January 30, 2026 using your Eligible Personal Banking Account:
i.
Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.
ii.
Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.
iii.
Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
iv.
Set up one (1) pre-authorized monthly payment (“PAP”) – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa‡ Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
v.
Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa‡ Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions for the purpose of option ii (above)
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
Starting August 11, 2025, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Qualifying Criteria and qualified for the Promotional Offer. This message will be sent at any time up to ten business days after we have determined that all Qualifying Criteria have been completed by you. The email message will contain a secure link that will permit you to visit a secure online store where you can order your Reward and confirm an address for delivery, as well as any other shipping details.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/airpodsterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/airpodsterms.
Legal Disclaimer27)
Offer available February 1, 2025 to October 31, 2025 (the “Promotional Period”)
This offer is available to any Eligible Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or within the last 3 years before the start of the promotional period. The Bonus Offer is $25 with an RBC Leo’s Young Savers Account®. This account type is intended for clients age 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account. To receive the $25 Bonus Offer, you must open your new Eligible Personal Banking Account by 11:59 PM ET on October 31, 2024. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw or modify this offer at any time without notice, even after acceptance by you.
For full legal terms click here: rbc.com/leo25
This offer is available to any Eligible Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or within the last 3 years before the start of the promotional period. The Bonus Offer is $25 with an RBC Leo’s Young Savers Account®. This account type is intended for clients age 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account. To receive the $25 Bonus Offer, you must open your new Eligible Personal Banking Account by 11:59 PM ET on October 31, 2024. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw or modify this offer at any time without notice, even after acceptance by you.
For full legal terms click here: rbc.com/leo25
Legal Disclaimer28)
RBC Advantage Banking for students allows eligible full-time students
to receive a full waiver of the standard Monthly Fee applicable to our
RBC Advantage Banking account. Please refer to the section labelled
“Rebates, Fee Waivers and Discounts: RBC Advantage Banking for
students” in the document entitled “Personal Deposit
Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage
Banking
account to supplement the information provided in the Personal Deposit
Accounts Disclosures and Agreements document. You must advise us of
your student status at the time of account opening an RBC Advantage
Banking for students account and must advise of any changes to your
student status thereafter. Proof of enrollment may be requested at our
discretion.
Legal Disclaimer29)
There is a limit of 999 free Interac e-Transfer Transactions per Month
per Account; for every Interac e-Transfer Transaction over the limit,
you will be charged $1.00.
Legal Disclaimer30)
When you enrol your eligible RBC personal bank account into the RBC
Value Program, you will be eligible to earn Avion points within the
Avion Rewards Program as an Eligible Personal Banking Client, and any
such points earned will be deposited into the Avion Rewards account
tied to your enrolled account. Purchases from your account refers to
using your RBC Client Card to pay for items at a merchant or service
provider with the amount electronically debited directly from your
enrolled account or using your RBC Virtual Visa Debit for purchases
online. Avion points are governed by the
Avion Rewards Terms and Conditions
available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see
the
Value Program Terms & Conditions.
Legal Disclaimer32)
To take advantage of this offer you must not have held an RBC InvestEase account prior to June 1, 2025. This offer applies to your first RBC InvestEase account only. Accounts opened from June 1, 2025 to November 30, 2025 using promo code SA742 will not be charged the regular 0.5% management fee by RBC InvestEase for 6 months from the date of account opening. RBC InvestEase will notify clients 60 days in advance of any changes to the fees associated with their account as set out in the investment management agreement. A weighted average management expense ratio will still apply to the ETFs held in our portfolios. For further information please refer to Pricing on https://www.rbcinvestease.com. This offer cannot be combined with any other offers. RBC InvestEase Inc. reserves the right to amend or withdraw this offer at any time without notice.
Legal Disclaimer35)
Real-time streaming quotes are available automatically to all clients
for exchange listed equities, ETFs and most over-the-counter (OTC)
securities. Real-time streaming quotes for options and grey market OTC
securities are available to Active Traders and Royal Circle clients
upon accepting the terms and conditions of all exchange agreements on
the RBC Direct Investing online investing site.
Legal Disclaimer36)
Fund transfers from an RBC Royal Bank account to your RBC Direct
Investing account using RBC Online Banking, Direct Investing Online
Investing, or the RBC Mobile app are processed in real time between
the hours of 4:30 a.m. and 7:54 p.m. ET, seven days a week. Transfers
into an RBC Direct Investing account made outside of these hours will
be processed the next morning. Transfers out of your RBC Direct
Investing account to an RBC Royal Bank account are processed in
real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday
(excluding holidays). Transfers out of your RBC Direct Investing
account made outside of these hours will be processed the next
business day. Locked-in, Registered Retirement Income Fund, and
Registered Education Savings Plan (transfer out only) accounts
excluded. Other conditions apply.
Legal Disclaimer37)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing
Inc. and RBC Dominion Securities Inc.
Legal Disclaimer38)
To receive a complimentary DashPass subscription for $0 delivery
fees on orders of $15 or more at eligible restaurants when you pay
with your Eligible RBC Credit Card, you must subscribe to DashPass
by adding an Eligible RBC Credit Card, accept the DoorDash terms and
conditions, and activate your benefit by clicking “Activate Free
DashPass” before June 1, 2025 (“Offer Period”). If you are an
existing DashPass subscriber and have already added an Eligible RBC
Credit Card to your account you must activate your benefit by
clicking “Activate Free DashPass” during the Offer Period. If you
have been charged for DashPass you will receive a refund to the
method of original payment, in the amount of the monthly
subscription fee for the month you activate your complimentary
subscription. For all clients, by clicking on “Activate Free
DashPass” you agree to the DoorDash terms and conditions which can
be found at
https://help.doordash.com/consumers/s/terms-and-conditions
opens in a new window.
Eligible RBC Credit cardholders include primary cardholders,
co-applicants, authorized users, primary business cardholders and
secondary business cardholders on an Eligible RBC Credit Card
account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass
Subscription”) and you will receive either a 3 month or 12 month Complimentary
DashPass Subscription based on the Eligible RBC Credit Card you use
to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including
third-party payment accounts, or online or mobile digital wallets
(like Apply Pay and Google Pay) are not eligible for the
Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit
Card may only be used with one DoorDash account to receive a
Complimentary DashPass Subscription. Once you have received a
Complimentary DashPass Subscription you cannot use the same eligible
RBC Credit Card to obtain a Complimentary DashPass Subscription with
another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass
Subscription and one 3 month Complimentary DashPass Subscription
during the Offer Period. The Complimentary DashPass Subscription
commences on the date you subscribe to receive the Complimentary
DashPass Subscription. If you subscribe to a 12 month Complimentary
DashPass Subscription on the last day of your second month of a 3
month Complimentary DashPass Subscription you will receive a total
of 14 months of Complimentary DashPass Subscription.
In order to validate your credit card as an Eligible RBC Credit
Card, Royal Bank may need to administer a $0.50 charge to validate
your card enrollment. This charge will be reversed in 3 to 5 days
once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the
following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion
Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for
Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards
Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC British Airways Visa Infinite, RBC
Avion Visa Business, RBC Avion Visa Infinite Business cardholder,
you are eligible for a Complimentary DashPass Subscription for 12
months from the date you subscribe to receive the Complimentary
DashPass Subscription. You will be auto-enrolled into full-price
membership at the then-current rate after the end of the 12 month
Complimentary DashPass Subscription. Your RBC credit card account
must be open and not in default to maintain the benefits of
DashPass.
3 Month Complimentary DashPass Subscription is available for the
following Eligible RBC Credit Cards:
As an RBC ION Visa, RBC ION+ Visa, RBC Visa Platinum, RBC Visa Cash
Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option,
RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II
Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa
Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa
Business, RBC Visa Business Gold, RBC Visa CreditLine for Small
Business, or RBC Business Cash Back Mastercard, you are eligible for
a Complimentary DashPass Subscription for 3 months from the date you
subscribed to the Complimentary DashPass Subscription. You will be
auto-enrolled into full-price membership at the then-current rate
after the end of the 3 month Complimentary DashPass Subscription.
Your RBC credit card account must be open and not in default to
maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services
and products provided through DoorDash; (ii) DashPass, including the
DashPass Benefits, the administration of DashPass and (iii) the
DoorDash terms and conditions. The Complimentary DashPass
Subscription offer may be amended or withdrawn at any time. To learn
more about DashPass, visit
www.doordash.com/dashpass
opens in a new window. For full DashPass for RBC Program Terms and
Conditions, visit
rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf(PDF).
Legal Disclaimer39)
To participate in the Program as an Eligible Avion Rewards Core
Product Account Client, you must have at least one Avion Rewards Core
Product Account and either i) have at least one Rewards Account or ii)
enroll in the Program through either
www.avionrewards.com
or the Avion Rewards app. Where the Avion Rewards Core Product Account
is jointly owned, each joint owner must enroll separately.
Legal Disclaimer47)
21.99% if you reside in Quebec.
Legal Disclaimer48)
Primary Cardholders can get 500 Avion points for completing each of
the following activities within 60 days of approval, up to a maximum
of 3,500 Avion points: (i) share their email address with us; (ii)
sign up for eStatements for the card; (iii) download and sign into
either the RBC Mobile app, RBC Wallet or Avion Rewards app; and, if
the Primary Cardholder banks with us, (iv) make an Interac e-Transfer
with the RBC Mobile app or RBC Online Banking (US Dollar accounts are
not eligible for this Bonus Offer); (v) transfer funds with the RBC
Mobile app or RBC Online Banking; (vi) deposit a cheque with the RBC
Mobile app; (vii) pay a bill with the RBC Mobile app or RBC Online
Banking. It may take up to 60 days after Bonus Offers expire for the
Bonus Points to appear on the credit card statement. The Primary
Cardholder can provide us their email address and sign up for
eStatements through RBC Online Banking, by visiting a branch or
calling 1-800-769-2512. Only
the Primary Cardholder of an RBC ION Visa card is eligible for these
offers. Additional cardholder(s), as well as existing RBC ION Visa
cardholders at any relevant time are not eligible for these offers.
Royal Bank of Canada reserves the right to cancel, modify or withdraw
this Offer at any time.
Legal Disclaimer49)
All rewards are subject to availability. The regular redemption rate
for Avion Rewards members, other than RBC ION cardholders, is 3,500
Avion points for a $25 gift card for Amazon.ca, iTunes, Starbucks,
McCafe and Cineplex. Point redemption values may fluctuate. For
complete terms, conditions and restrictions that apply to the Avion
Rewards program, please visit
www.avionrewards.com
or call 1-800-769-2512.
Legal Disclaimer51)
To receive the 3,500 welcome Avion points (“Welcome Points”), your application for the RBC ION Visa credit card must be approved by us. The Welcome Points will appear within the first two monthly statements. Additional cardholder(s) (co-applicant and authorized user(s)), as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC ION Visa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
To get $25 worth of gift cards/certificates, you will need a total of 3,500 Avion points, based on a redemption of 3,500 Avion points for most $25 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
To get $25 worth of gift cards/certificates, you will need a total of 3,500 Avion points, based on a redemption of 3,500 Avion points for most $25 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
Legal Disclaimer52)
To be eligible for this offer your application for the RBC ION+ Visa credit card must be approved by us. The 3,500 Avion points (“Welcome Points”) will appear within the first two monthly statements. 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account is open and in good standing at the time you reach $500 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, and fees. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $500 will cancel your additional Avion points. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC ION+ Visa card 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 cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
Legal Disclaimer53)
You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food
Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and
Digital Gaming & Subscriptions Purchases you make on your RBC ION+
Visa credit card at merchants classified by Visa’s “Merchant Category
Code” (MCC). Depending on how certain merchants are categorized by
Visa’s “Merchant Category Code” (MCC) they may not qualify as an
eligible MCC. Eligible MCCs are listed as:
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.
Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.
Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
Legal Disclaimer54)
The Leo’s Young Savers Account is not eligible for the RBC Virtual Visa Debit card, and therefore incapable of RBC Virtual Visa Debit Debit Transactions.
Legal Dxisclaimer58)
To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card. Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments. You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases.
Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions. Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall / McKesson Canada Corporation may specify from time to time or where prohibited by law. For a list of eligible RBC debit and credit cards (“RBC cards”) and ineligible purchases of the RBC and Rexall linked loyalty program, please refer to the complete terms and conditions of the RBC and Rexall linked loyalty program, available at https://www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf
Rexall Pharmacy Group Ltd. and McKesson Canada Corporation not Royal Bank of Canada (“RBC”), are responsible for the Be Well Loyalty Program, the awarding of Be Well points and the sales and returns terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it.
Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions. Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall / McKesson Canada Corporation may specify from time to time or where prohibited by law. For a list of eligible RBC debit and credit cards (“RBC cards”) and ineligible purchases of the RBC and Rexall linked loyalty program, please refer to the complete terms and conditions of the RBC and Rexall linked loyalty program, available at https://www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf
Rexall Pharmacy Group Ltd. and McKesson Canada Corporation not Royal Bank of Canada (“RBC”), are responsible for the Be Well Loyalty Program, the awarding of Be Well points and the sales and returns terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it.
Legal Dxisclaimer^)
Royal Credit Line for Students Promotional Offer Terms & Conditions
This Royal Credit Line for Students Promotional Offer (the “Promotional Offer”) is available June 2, 2025, to November 3, 2025 (the “Promotional Period”).
The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein. The Promotional Offer is: $200 for an eligible individual enrolled in an Undergraduate or General Program, or $575 for an eligible individual enrolled in a Professional Program (as described below).
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs and includes Special and Study Abroad programs. For additional details, visit Student Line of Credit – Professional Studies Benefits – RBC Royal Bank. Individuals enrolled in Medical or Dental programs of study, that awards them with a recognized Medical Doctor (MD) designation, or Doctor of Dental Surgery (DDS) or Doctor of Dental Medicine (DMD), whether in or outside Canada are ineligible for this Promotional Offer. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program, or Professional Program, as applicable.
To qualify to receive the applicable benefit of this Promotional Offer:
I. you must be enrolled in an eligible General Program or Professional Program, as described above;
II. you must be the Primary applicant for a Royal Credit Line for Students (“Student RCL”) with Royal Bank of Canada;
III. you must start your Student RCL application between June 2, 2025, and November 3, 2025 (before 11:59pm EST on November 3, 2025);
IV. your application must be approved and your Student RCL activated by 11:59pm EST on November 17, 2025.
V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the cash bonus(es) is paid.
VI. you must have an active Canadian dollar personal banking account with Royal Bank of Canada.
Note: as part of your Student RCL application, you may be required to provide proof of your enrolment in an eligible General Program, or Professional Program, as applicable.
In addition to any other exclusions described in these Terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (as described above).
Primary applicants only (the student is eligible if there is a co-signor on the account).
If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between up to within twelve (12) weeks of your Student RCL activation date (no action required from you). In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada before the cash bonus is paid. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.
Only one Promotional Offer payment per client per activated Student RCL. Promotional Offer and Student RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.
This Royal Credit Line for Students Promotional Offer (the “Promotional Offer”) is available June 2, 2025, to November 3, 2025 (the “Promotional Period”).
The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein. The Promotional Offer is: $200 for an eligible individual enrolled in an Undergraduate or General Program, or $575 for an eligible individual enrolled in a Professional Program (as described below).
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs and includes Special and Study Abroad programs. For additional details, visit Student Line of Credit – Professional Studies Benefits – RBC Royal Bank. Individuals enrolled in Medical or Dental programs of study, that awards them with a recognized Medical Doctor (MD) designation, or Doctor of Dental Surgery (DDS) or Doctor of Dental Medicine (DMD), whether in or outside Canada are ineligible for this Promotional Offer. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program, or Professional Program, as applicable.
To qualify to receive the applicable benefit of this Promotional Offer:
I. you must be enrolled in an eligible General Program or Professional Program, as described above;
II. you must be the Primary applicant for a Royal Credit Line for Students (“Student RCL”) with Royal Bank of Canada;
III. you must start your Student RCL application between June 2, 2025, and November 3, 2025 (before 11:59pm EST on November 3, 2025);
IV. your application must be approved and your Student RCL activated by 11:59pm EST on November 17, 2025.
V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the cash bonus(es) is paid.
VI. you must have an active Canadian dollar personal banking account with Royal Bank of Canada.
Note: as part of your Student RCL application, you may be required to provide proof of your enrolment in an eligible General Program, or Professional Program, as applicable.
In addition to any other exclusions described in these Terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (as described above).
Primary applicants only (the student is eligible if there is a co-signor on the account).
If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between up to within twelve (12) weeks of your Student RCL activation date (no action required from you). In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada before the cash bonus is paid. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.
Only one Promotional Offer payment per client per activated Student RCL. Promotional Offer and Student RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.