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.

By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions.

To qualify for this Credit Card Base Offer, you must apply and be approved as the primary cardholder for any of the Eligible Credit Cards.

To qualify for this offer you must be approved and funded by RBC for an eligible residential mortgage, and have an existing or open an eligible bank account within 90 days of the funding date of the eligible residential mortgage. Additional terms and conditions apply, for full terms and conditions on the Avion Rewards Group Banking Residential Mortgage Base Offer, visit rbc.com/groupterms.

For Switch transactions we will pay, when applicable, the basic title insurance fee (up to $700 in Atlantic: New Brunswick, PEI, Nova Scotia, Newfoundland & Labrador and Quebec and up to $500 in the rest of Canada), processing fee (up to $300) and one discharge fee (up to $300 maximum discharge fee, except Quebec). Offer excludes mortgage prepayment charges (“breakage fees”) that you may have to pay. The mortgage with RBC must have a principal amount of $100,000 or more ($75,000 minimum for Atlantic: New Brunswick, PEI, Nova Scotia, Newfoundland & Labrador, Manitoba, Saskatchewan, and Quebec). Offer eligible only for a new RBC closed mortgage with a four-year or greater fixed interest rate or a five-year variable rate term.

MyAdvisor is an online platform from RBC where you can view your financial information including visual representations (charts and graphs) of your retirement readiness, net worth, cash flow, and financial goal tracking. You can also see how varying your current approach can affect your savings and goals. The MyAdvisor platform also enables you to book an appointment with an RBC advisor and to meet with your advisor using video chat or phone to open new accounts, including investment accounts, and get advice on meeting your financial goals.