RBC Credit Card Offer for RBC Investment Account Holders – Terms and Conditions

1. To be exempt from the annual fee for one year (the “annual fee waiver offer”) and to receive 15,000 RBC Rewards points (or “welcome points”), you must be a an RBC Investment Advantage Account holder prior to opening a new credit card and your application must be received by the date indicated on the communication you received from us for this offer, and it must be approved by us. Upon enrolment, 15,000 welcome points will appear on your first monthly statement. To receive the additional 5,000 RBC Rewards points (“bonus points”) when you spend $1,000 or more within 3 months of account opening your (i) application must be approved by us, (ii) credit card account must be in good standing since your account open date and the bonus points will be credited to your account on the first monthly statement after the spend criteria has been met. Additional cardholders are not eligible for this offer. This offer is eligible for the RBC® Visa Infinite Avion® card and the RBC® Visa‡ Platinum Avion® card if you are approved for either through this offer. This offer may not be combined or used in conjunction with any other offer and may be amended or withdrawn without notice at any time, even after acceptance by you. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512.
2. You will earn 1.25 RBC Rewards points for every dollar spent when you use your RBC Visa Infinite Avion card to pay for travel-related purchases made at merchants classified by Visa’s "Merchant Category Code" ("MCC") as "travel", which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 RBC Rewards points per dollar if the merchant is not classified with a "travel" MCC. Also, merchants that are not classified by a "travel" MCC may be located on the premises of merchants that are classified with a "travel" MCC, and purchases made at these locations may not qualify for this added benefit.
3. Please note that it may take up to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions.
4. Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Visa Infinite Avion card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Coverage underwritten by RBC Insurance Company of Canada. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Visa Infinite Avion card, due to a covered risk, including the extra costs of economy class transportation to your departure point. Coverage underwritten by RBC Insurance Company of Canada.
5. Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
6. Coverage underwritten by Aviva General Insurance Company.