For complete details, including the definition of the capitalized terms used in the disclosures below, please see full terms and conditions.

*

21.99% if you reside in Quebec.

All other trademarks are the property of their respective owner(s).

1

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Clients will only be able to link up to two (2) Business Credit Cards and one Business Debit Card to a Petro-Points card.

Any/every/your card means an RBC Card that is linked to a Petro-Points card. A linked RBC Member means you have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card.

The advertised value of 7 cents per litre is based on the following:
You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card.

Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

2

Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will also earn a bonus of 20% more Petro-Points than you usually earn. This means that for every litre of fuel purchased, a linked RBC card can earn 1.2 cents in redeemable Petro-Points value (based on a redemption value of 1,000 Petro-Points = $1). Further details on terms and conditions are available at www.petro-canada.ca/en/personal/terms-conditions#petropoints.

Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

3

Only certain RBC cards earn Avion points on net purchases. Each time you pay for purchases at a Petro-Canada location using your linked RBC Card that earns Avion points on net purchases, you will earn a bonus of 20% more Avion points than you normally earn for every $1 in purchases. This means that for every litre of fuel purchased, a linked RBC Card that earns Avion Rewards on net purchases can earn up to 2.8 cents of redeemable Avion Rewards value, calculated based on the average fuel cost of $1.65/litre and the average travel redemption value across all types of available travel redemptions options in accordance with the Avion Rewards Terms and Conditions at avionrewards.com/terms-and-conditions. Actual realized value may be lower with some redemption options.

Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account.

4

“Up to $50 in gas” represents the combined value of the following promotional offers when you apply by October 31^st,2025 and are approved for:

The RBC ION Visa, (a) 3,500 Avion Points, which can be redeemed for most $25 gift cards, including Petro-Canada gift cards ⁶, and (b) 25,000 Petro-Points, which can be redeemed for a $25 gift card and used toward $25 off your purchase of fuel or convenience store items at Petro-Canada, when you link your new RBC ION Visa to your Petro-Points card within 30 days from approval ⁷.

The Cash Back Mastercard, (a) a $25 statement credit if you spend $300 or more in net purchases in the first three months of your approval date⁵, and (b) 25,000 Petro-Points, which can be redeemed for a $25 gift card and used toward $25 off your purchase of fuel or convenience store items at Petro-Canada, when you link your new RBC Cash Back Mastercard to your Petro-Points card within 30 days from approval⁷.

5

To receive a $25 statement credit (“Statement Credit”), your application for the RBC Cash Back Mastercard must be submitted through rbc.com/petro-canada by October 31^st, 2025 (“Offer Period”) and approved by us. You will receive the Statement Credit if a total of $300 or more (“Qualifying Purchase Amount”) in net purchases (“Qualifying transactions”) is posted to your RBC Cash Back Mastercard account within the first 3 months of your approval date inclusively (“Period”). 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 returns or price adjustments that reduce the amount of your Qualifying Transactions below the Qualifying Transactions Amount, will cancel your Statement Credit. 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 (Mastercard) or Royal Bank by the last day of the Period. Please note that the Statement Credit will not be applied as a payment towards the balance of your credit card account. Additional cardholder(s), as well as existing RBC credit card cardholders, applying or transferring to the RBC Cash Back Mastercard, as of the Offer Period, are not eligible to receive the Statement Credit. This offer may not be combined or used in conjunction with any other offer, except for offers available on rbc.com/petro-canada. This offer may be amended or withdrawn without notice at any time, prior to acceptance by you.

6

To receive the 3,500 Avion points (“Welcome Points”), your application for the RBC ION Visa credit card must be submitted through rbc.com/petro-canada by October 31^st, 2025 (“Offer Period”) and approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. For complete terms and conditions that apply to the Avion Rewards Program, please visit avionrewards.com/terms-and-conditions or call 1-800-769-2512. Additional cardholder(s) (co-applicant and authorized user(s)), as well as existing RBC personal credit card cardholders, applying or transferring to the RBC ION Visa, as of the Offer Period, are not eligible to receive the Welcome Points. This offer may not be combined or used in conjunction with any other offer, except for offers available on rbc.com/petro-canada. This offer may be amended or withdrawn without notice at any time, prior to acceptance by you.

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.

7

To be eligible to receive 25,000 Petro-Points (“Bonus Petro-Points”), your application for the RBC ION Visa or the RBC Cash Back Mastercard must be submitted through rbc.com/petro-canada by October 31, 2025 (“Offer Period”) and approved by Royal Bank of Canada, and you must link your new RBC ION Visa or RBC Cash Back Mastercard to your Petro-Points card within 30 days from the date your credit card application has been approved. Additional cardholder(s) (co-applicant and authorized user(s)), as well as existing RBC personal credit card cardholders, applying for or transferring to a RBC ION Visa or the RBC Cash Back Mastercard as of the Offer Period, are not eligible to receive the Bonus Petro-Points. To link your RBC ION Visa or RBC Cash Back Mastercard to your Petro-Points account, you must be enrolled in RBC Online Banking or the RBC Mobile app. Card linking may take up to 2 business days to process. Please allow up to 9 weeks for the Bonus Petro-Points to be awarded to your linked Petro-Points account. Petro-Canada dollar off rewards cannot be used for the purchase of tobacco, vaping products, alcohol, gift cards in-store, lottery or any other items specified as exclusions from time to time. Also, not available for milk products in New Brunswick. For full terms and conditions, visit petro-points.com/terms. This offer may not be combined or used in conjunction with any other offer, except for offers available on rbc.com/petro-canada. This offer may be amended or withdrawn without notice at any time, prior to acceptance by you.

8

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.

9

Please note that it will take two (2) 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. Not all Avion Rewards cards are eligible for these services. For details, visit the Avion Rewards Terms and Conditions.

10

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 and for a maximum Cash Back Reward of $120.00 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 per 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) and for a maximum Cash Back Reward of $30.00 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 in Net Purchases (other than Grocery Store Purchases) per Annual Period, unlimited. 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 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.

To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo. 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, ii) and/or 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.