Save $700+ on Your Banking and Borrow at Prime minus 0.25%1 legal disclaimer
Save $360 Annually on Your Personal Banking2 legal disclaimer
Open an RBC VIP Banking account and get the most valuable features we offer in a single account.
Save $72 Annually on Your Business Banking
Make unlimited electronic debit and credit transactions with an RBC Digital Choice Business Account3 legal disclaimer
Save $175 on the RBC Avion Infinite Business Card4 legal disclaimer
Get up to 35,000 welcome Avion points5 legal disclaimer with any eligible RBC Business or Commercial Card plus get a one-time annual fee rebate with RBC Avion Infinite Business Card,4 legal disclaimer.
Save Up to $120 Annually on a Personal Credit Card6 legal disclaimer
Get a full annual fee rebate on an eligible personal credit card and up to 55,000 Avion points if it’s an eligible personal Avion card7 legal disclaimer,8 legal disclaimer.
Save $360 Annually on Your Personal Banking2 legal disclaimer
Open an RBC VIP Banking account and get the most valuable features we offer in a single account.
Save Up to $120 Annually on a Personal Credit Card6 legal disclaimer
Open any eligible RBC personal credit card. Get an annual fee rebate on any eligible credit card. If you open an eligible personal Avion card, also get up to 55,000 Avion points.7 legal disclaimer,8 legal disclaimer.
Build your savings faster with preferred rates and fee savings9 legal disclaimer
Invest a minimum of $25,000 in any RBC investment product(s) and enjoy all the benefits of RBC Healthcare Advantage Pro10 legal disclaimer.
* Still completing your medical or dental training? RBC Healthcare Advantage was made for you.
Get Help Growing and Managing Your Clinic
Explore offers from RBC and our partners to help you simplify your billing, scheduling and more.
Streamline Medical Billing Within Your Practice or Clinic
Get a $150 billing credit with Dr.Bill. Upon credit depletion, pay just 1% of successfully paid claims on the Comprehensive plan.11 legal disclaimer
Deliver Patients and Staff to the Right Place at the Right Time
Get a 20% discount on the monthly subscription fee. Offer ends December 31, 2024.12 legal disclaimer
Simplifying Your Billing in Quebec
Get a 15% discount on the monthly subscription fee. Offer ends October 10, 2024.13 legal disclaimer
All-in-One Dental Clinic Management Software
Enjoy 15% off one-time fees, 15% off subscription fees and other savings.14 legal disclaimer
Simplified Payroll and Human Resources (HR)
Save 30% off ADP’s fees for select ADP payroll and HR services.15 legal disclaimer
Premium Online Banking
Get a free consultation and $30 per month waived for RBC Express Core Services.16 legal disclaimer
Other Special Offers for RBC Healthcare Advantage Pro Customers
Invest the Easy Way and Pay No Management Fee for 6 months17 legal disclaimer
Get a professionally built and managed investment portfolio without the work. Open your first RBC InvestEase account and pay no management fees for 6 months.
Save and Accelerate your Investments
Build your savings faster with preferred GIC rates and fee savings18 legal disclaimer
Borrow Against Your Home Equity at Prime minus 0.25%19 legal disclaimer
Improve your cash flow and save money with a preferred rate on the RBC Homeline Plan (Opens modal pop-up), which combines your mortgage
Invest the Easy Way and Pay No Management Fee for 6 months17 legal disclaimer
Get a professionally built and managed investment portfolio without the work. Open your first RBC InvestEase account and pay no management fees for 6 months.
Save and Accelerate your Investments
Build your savings faster with preferred GIC rates and fee savings18 legal disclaimer
Borrow Against Your Home Equity at Prime minus 0.25%19 legal disclaimer
Improve your cash flow and save money with a preferred rate on the RBC Homeline Plan (Opens modal pop-up), which combines your mortgage
Contact a specialist today to unlock preferred borrowing rates and $700+ in savings on a bank account and credit card, and more.
Connect with an RBC Healthcare SpecialistYou can also call our priority support line at: 1-833-395-8118.
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
-
Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
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Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
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Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
-
Low Interest Rate
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year—saving you up to $120/year!1.
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
Receive a full rebate on the annual fee for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards:
- RBC Avion Visa Infinite
- RBC Rewards Visa Preferred
- RBC British Airways Visa Infinite
- WestJet RBC World Elite Mastercard
Get up To 55,000 Avion points**
When you apply and are approved for an eligible RBC Avion Visa credit card. Conditions apply. Offer ends November 25, 2024.
- RBC Avion Visa Infinite Privilege card
- RBC Avion Visa Infinite
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited 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, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have 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 terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com/terms-and-conditions/ (opens new window) or call 1-800-769-2512.
RBC Digital Choice Business Account Package
Save time and money if you do most of your banking online or on your phone and gain access to features that can help you manage your practice. And, if you’re an RBC Healthcare Advantage Pro customer, we’ll waive the $6 monthly fee1,2.
Top Benefits
- Unlimited Electronic Debits and Credits3
- Unlimited Electronic Cheque Deposits4
- Unlimited Moneris‡ Credit and Debit Card Deposits
Other Key Features
- Link your eligible RBC business cards5 to your Petro-Canada± card and instantly save 3¢/L on gas at Petro-Canada locations.
- Access special offers and support from a wide range of partners and services that can help you run your business.
- Save money and earn Avion points faster with offers customized to your business.
Eligible RBC Business Deposit Accounts
Manage cash flow, make and accept payments, and more with an RBC business account for your medical or dental practice. The following RBC business accounts are eligible for RBC Healthcare Advantage Pro:
- Digital Choice Business Account: Ideal if you do most of your banking online or on your phone. Choose this account and get the $6 monthly fee waived—a $72 savings annually.1
- Flex Choice Business Account: Offers the flexibility of both digital and in-branch banking.
- Ultimate Business Account: Designed for businesses with high transaction volumes.
- US Dollar Business Account: Ideal for making and receiving payments in U.S. dollars.
- Online Foreign Currency Account: Ideal for making and receiving payments outside of Canadian and U.S. dollars.
Eligible Avion Business Cards
RBC Avion Visa Infinite Business, RBC Avion Visa Business and RBC Commercial Avion Visa are eligible for RBC Healthcare Advantage Pro.
If you choose and are approved for the RBC Avion Visa Infinite Business Card, get a one-time fee rebate of $1751 plus 25,000 welcome Avion points2. Redeem your points on travel, to shop your favourite brands, pay down bills, donate to charity, and much more3.
RBC Avion Visa Infinite Business Card
Make the most of your business spending by earning Avion points faster on all of your business purchases. And, if you’re an RBC Healthcare Advantage Pro customer, you’ll get a one-time annual fee rebate of $1751 plus 35,000 welcome Avion points when you're approved for the card.2
Top Benefits
-
Premium Travel Benefits
Enjoy access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers.4
-
Powerful Reporting Tools and Card Controls
Streamline your business expense tracking.
Other Key Features
- Includes expense management tools and employee card controls to simplify your business operations.
- View customized reports, card transaction data and photos of your paper receipts with Visa Spend Clarity for Business.
Royal Business Operating Line of Credit
Supplement your cash flow with a business line of credit that gives you access to the funds you need, when you need them.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Credit lines start at $10,000 and give you the flexibility to borrow only what you need.
-
Automatic Fund Transfers
Cover shortfalls and pay down your credit line without having to think about it.
Other Key Features
- Choose from two ways to transfer funds between your Royal Business OperatingLine and your everyday RBC operating account.
- Access funds anytime through ATMs, Online Banking for Business, the RBC Mobile app or in branch.2
Business Term Loans
Whether you want to acquire new equipment, expand your inventory or open in new locations, a term loan can help you achieve the big goals you have for your practice.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Variable rate loans start at $5,000.
-
Prepay without Penalty
Make partial or full prepayment at any time.
Other Key Features
- Can be used to purchase or renovate property, upgrade medical or dental equipment or refinance existing debt.
- Typically secured for a term up to seven years but not exceeding the useful life of what is being financed.
Eligible RBC Investment Product(s)1
You can unlock exclusive savings through RBC Healthcare Advantage Pro by investing and maintaining at least $25,000 in any:
- RBC investment product (such as mutual funds or GICs), or
- Account at RBC Dominion Securities Inc., RBC Direct Investing Inc., RBC InvestEase Inc. or RBC PH&N Investment Counsel Inc.
Eligible Business and Commercial Cards
The following Avion Business and Commercial Cards are eligible for RBC Healthcare Advantage Pro
1. RBC Avion Visa
Business
2. RBC Avion Visa Infinite Business
Learn More about RBC Avion Visa Business (Opens link in new window)3. RBC Commercial Avion Visa
Learn More about RBC Avion Visa Business (Opens link in new window)4. RBC Commercial Cash Back Visa
Learn More about RBC Avion Visa Business (Opens link in new window)5. RBC Commercial
Visa
6. RBC Commercial U.S. Dollar Visa
Learn More about RBC Avion Visa Business (Opens link in new window)