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Your Authorized User will share all the exclusive benefits,
insurance, peace of mind and purchasing privileges offered
by your RBC Royal Bank Visa card.
All your spending, all on one convenient bill.
All spending on your Account is consolidated into one monthly
bill - making it easier to track spending and manage your
Account. Transactions made by Authorized Users are clearly
identified.
Earn RBC Rewards®
points or Specialty Rewards even faster!
Authorized Users' purchases earn RBC Rewards or Partner
Points or Miles at the same rate as the primary cardholder.
So if your card allows you to earn RBC Rewards points or Partner
Points or Miles, simply request an Authorized User card for
anyone you choose and you could earn more RBC Rewards points
or Specialty Rewards for spending† on your
Account. That means you could be even closer to redeeming
for great rewards.
Authorized Users of Co-Brand Visa cards must abide by the
terms of the Partner Program(s). Authorized Users are not
able to redeem the Points or Miles accumulated on the Visa
account.
Additional Cardholders
RBC personal credit cards have two types of additional cardholders
- Co-applicants and Authorized Users. Both types of additional
cardholders may be added to any RBC Visa card with the following
exceptions:
- Authorized users are not available on the Starbucks Duetto
Visa or on any RBC Visa card where the primary cardholder
has identified their ‘occupation’ as being ‘student’.
What is an Authorized User?
An Authorized User is not considered a ‘borrower’
on the account but rather a ‘user’ attached to
the credit card account.
Authorized users are not responsible for any debt on the account
but are otherwise responsible to adhere to the cardholder
agreement, including some special terms and conditions applicable
to authorized users.
When a Primary or Co-applicant adds an authorized user to
the account, it is their responsibility to provide them with
a copy of the cardholder agreement.
An Authorized User’s card activity does not appear on
their Credit Bureau.
An Authorized User is able to access the full available credit
limit of the Visa account and is able to charge purchases
/ cash advances to the Visa account
An Authorized User may access information in regards to their
transactions via the IVR, by calling Royal Direct and through
Online Banking. They do not have access to transactions made
by other cardholders on the same account.
As an RBC Visa cardholder, you can now add the Family Card option
to your RBC Royal Bank Visa card. This option allows you to provide
funds to Authorized Users (up to nine) by setting unique spending limits
and monitor spending activity. To apply, simply complete the appropriate
form below and select the "Authorized User to be assigned the following
limits" box. For more information about the Family Card Option, please
visit
www.rbcroyalbank.com/fcoption.
What is a Co-applicant?
Click
here for details on adding a Co-applicant to your account.
How to add an Authorized User to
your account:
- Select
your card below to load a PDF form.
- Print and complete the form. (Make sure that both you
and your Authorized User sign the form.)
- Send the form to us by mail or fax for processing.
| Mail |
Fax |
RBC
Royal Bank
c/o Administration Department
P.O. Box 18293, Stn. Brm. B
Toronto, ON M7Y 3J1 |
416-974-2742
or
1-888-769-2512 |
- The Authorized User’s card will be mailed to the
address on file for the Primary cardholder.
Please note:
- Authorized Users may be added to an account by the Primary
or Co-applicant.
- Maximum of 9 Authorized Users are permitted per Account
- An annual fee may apply for each Authorized User (see
table below)
- Authorized Users may only be added to an account that
is in good standing at the time the request is processed
- Authorized Users are not able to receive a separate monthly
statement
- Authorized Users are responsible for adhering to the
terms of the cardholder agreement.
Authorized User Request Forms:
|
Card |
Form |
Additional
Card Annual fee |
 |
Visa
Platinum Avion® |
 |
$50 |
 |
Visa
Platinum Preferred |
|
$40 |
 |
Visa
Gold Preferred |
|
$40 |
 |
Visa
Classic II |
|
$0 |
 |
RBC Rewards
Visa Gold |
|
$0 |
 |
RBC Rewards
Visa Classic |
|
$0 |
 |
US Dollar
Visa Gold |
|
$30 US |
 |
RBC Mike
Weir Visa Card |
|
$0 |
 |
British
Airways Visa Platinum |
|
$75
($55 65+) |
 |
Cathay
Pacific Visa Platinum |
|
$75
($55 65+) |
 |
Esso Visa
Card |
|
$0 |
 |
Visa
Platinum |
|
$0 |
 |
Visa
Gold |
|
$0 |
 |
Visa
Classic |
|
$0 |
|
Visa
Classic Low Rate Option |
|
$0 |
| For RBC Royal Bank Visa
Business and Business Avion cards, please: |
| |
† Exclusive of cash advances, interest
charges, fees or credits.
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