Save on Bank Fees
Discover the many ways to save when you have multiple RBC products.
Savings on monthly fees
– no minimum balance needed
Pay as low as $0/ month for an eligible bank account when you have other RBC products and do simple activities like direct depositLegal Disclaimer 1.
Explore Value ProgramBetter together! Up to $120 credit card fee rebate
Get up to a $120 rebate on the annual fee of an eligible credit card with a VIP Banking accountLegal Disclaimer 2 and up to a $48 rebate with a Signature No Limit accountLegal Disclaimer 3 or Advantage Banking account for studentsLegal Disclaimer 4.
Discover VIP BankingEarn Points and Cash Back
See how rewarding it can be to shop for the things you need – and the things you love.
Earn Avion points on debitLegal Disclaimer 5 and creditLegal Disclaimer 6
Shop online and in-store with any bank account enrolled in the Value ProgramLegal Disclaimer 5 or an Avion points-earning credit card.
Learn how to earn on debitTurn your Avion points into tickets
Connect your Avion Rewards account to Ticketmaster Canada – then redeem your points to enjoy a show!Legal Disclaimer 21
Explore MoreAvion Rewards
Live it up with your Avion points
We’ve teamed up with Live Nation Canada to get you closer to the music and live events you love.
It’s easy to get started and even easier to use your points.
Learn More
Get up to 40% cash back with ShopPlusLegal Disclaimer 7
Shop online and earn up to 40% cash back at 2,000+ brands with the free Avion Rewards ShopPlus browser extension.
Find Cash Back Deals
Earn more. Save more.
Get cash back, savings and Avion Rewards points you can use for almost anything — all through Avion Rewards, RBC’s loyalty program, included when you bank with RBC.
Join Avion Rewards
Discover the many ways you can earn and save with RBC.
Music lovers rejoice - for every ticket purchased through RBCxMusic, you get $20 Concert Cash® to use towards your next showLegal Disclaimer 19.
Check out RBCxMusicSave on Everyday Spending
Watch your money stretch further across gas, groceries, food delivery and drug stores, thanks to RBC partnerships.
Get 3x Canadian Tire Money®Legal Disclaimer 20
Link, Scan & Pay with RBC and Triangle Rewards® at Canadian Tire.
Link TodayWhen you link your RBC debit or credit card to your Petro-PointsLegal Disclaimer 8. Here’s how they add up:
3¢/L Instant Savings at the pump
+ 20% more Petro-Points
+ 20% more Avion points
Earn 1 extra Moi point for every $2 spent
Swipe your Moi card and pay with your linked RBC card at participating Moi Rewards stores to earn extra pointsLegal Disclaimer 9.
Learn About MoiEnjoy up to 12 Months of $0 Delivery feesLegal Disclaimer 10*
On DoorDash® with DashPass® - a value of almost $120.
Activate Now*On eligible orders. Other fees and terms apply.
Earn 50 Be Well points for every $1 you spend on eligible purchases
That's 5X more points!Legal Disclaimer 12 Exclusively with RBC and Rexall.
Link Your CardTravel sooner, on your terms
Explore travel rewards, perks and deals that can save you money on your next getaway!
Fly your way with RBC Avion Visa: Flights from 7,500Legal Disclaimer 13 points. No blackouts. No seat restrictions.
You earn 1.25 Avion points on travel-related purchasesLegal Disclaimer 14, and 1 Avion point on eligible purchasesLegal Disclaimer 15. Plus Avion points never expireLegal Disclaimer 16 so you can use your points where and when it’s right for you.
Travel with RBC Avion
Save on travel with the WestJet RBC World Elite Mastercard
Get a first checked bag for free for you and up to 8 guestsLegal Disclaimer 17.
Earn a round-trip companion voucher – every year – starting from $119 (plus taxes, fees, charges and other ATC)Legal Disclaimer 18
Start Your AdventureMore travel deals with Avion Rewards
Tackle your travel bucket list! Get exclusive deals on hotels and resorts, plus unlock package savings when you add a hotel stay to any flight booking.
Save More on TravelReady to take advantage of all the benefits you get with RBC?
Eligible Credit Cards and Annual Fee Rebate Table
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| RBC ION+ Visa | $48 |
| WestJet RBC MasterCard | $39 |
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until you turn 25 (provided you are no longer a full-time student), or iii) if you are 25 or older, until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. If your Expected Graduation Year occurs after your 25th birthday, or you are turning 25 and are still a full-time student but have not yet notified us of your Expected Graduation Date, please visit a branch to ensure continuity of benefits pertaining to your Eligible Student Bank Account (proof of enrollment required). Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won’t be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
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.
You will earn 1 additional Moi point for every $1 spent on qualifying purchases you make, before taxes and any promotions in effect, in-store or online at participating Metro, Brunet and Première Moisson stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario (“Participating Locations”) when you swipe your Moi card and pay with your moi RBC Visa credit card. You will not earn 1 additional Moi point for every $1 spent when you shop at Super C; you will however be eligible for bonus Moi points offers and other benefits, as available from time to time. Also, you will not earn 1 additional Moi point for every $1 spent when you purchase any of the following products or services at Participating Locations: tobacco products, lottery tickets, public transportation tickets and passes, gift cards and other prepaid cards, stamps, postal services, dry cleaning, film and video game rentals, any deposit fees and eco-contributions, SAQ products, alcoholic beverages outside of the province of Québec, order preparation and delivery charges, donations, utensils for ready to eat products, certain products offered on participating partner’s platforms, products offered through food waste reduction platforms, fragrance discovery gift sets, items linked to a fundraising campaign, prescription drug, other medication and other pharmacy or health care-related products and services according to laws in place in each province, taxes, ecofees and any items excluded by Metro in the future or forbidden by law. Excluded products may vary by province and Metro reserves the right at all times, to add or exclude, at its sole discretion, eligible items for Moi points. Metro also reserves the right to deduct the 1 additional Moi points/$1 earned on returns and adjustments, whether the purchase was made in-store or online. Other terms and conditions apply. For complete details, visit moiprogram.ca. For the full list of Participating Locations, visit: moiprogram.ca.
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. If you subscribe to a 12 month Complimentary DashPass Subscription on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription.
In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder, you are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Rewards+ Visa, Signature RBC Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard, you are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens in a new window). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf (PDF, opens in a new window).
Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments.
You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions.
Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall Pharmacy Group Ltd. may specify from time to time or where prohibited by law.
The Free First Checked Bag benefit will apply if a booking is made entirely (or partially, in combination with an Eligible Card) using any of the following (or any combination of the following), as long as the Eligible Primary Cardholder’s WestJet Rewards ID appears on the reservation at the time of check-in: (a) redemption of WestJet points; (b) Travel Bank; or (c) WestJet gift card. “WestJet” or “WestJet Vacations” must appear as the merchant of record for the form of payment. This means that a WestJet flight or a WestJet Vacations package purchased from a travel agency, Visa Checkout or a third-party booking site, may not be eligible for the First Free Checked Bag benefit.
The Free First Checked Bag benefit will be cancelled if the account associated with the Eligible Card is closed for any reason. Guests with reservations booked prior to becoming an Eligible Primary Cardholder are eligible for the Free First Checked Bag benefit, as long as the Eligible Primary Cardholder’s WestJet Rewards ID is added to the reservation prior to check-in.
The Free First Checked Bag benefit is valid only on itineraries marketed and wholly operated by WestJet. The Free First Checked Bag benefit is not valid (i) for companions when travelling on a group booking (10+ guests on the same reservation); (ii) on WestJet Vacations Quebec or Sunwing Vacations bookings; or (iii) when travelling with WestJet's codeshare or interline partners.
Size and weight of baggage must comply with WestJet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees.
Complete details are available at www.westjet.com/fees. This benefit may only be used as described and has no monetary or other exchange value.
For new Eligible Primary Cardholders as of November 5, 2025 onwards: twelve (12) months following the opening of your WestJet RBC World Elite Mastercard credit card account and annually thereafter, you will receive a round-trip World Elite companion voucher (“Annual World Elite Companion Voucher”) if a minimum of $5,000 in net purchases (less credits and refunds, and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) (“Minimum Annual Spend”) is posted to your credit card account in the 12-month period following the issuance of your previous World Elite companion voucher (“Voucher Earn Year”). If the Minimum Annual Spend is met in a given Voucher Earn Year, the Annual World Elite Companion Voucher will be awarded 4-6 weeks after the WestJet RBC World Elite Mastercard annual fee for that year is charged. For new Eligible Primary Cardholders, Minimal Annual Spend will be tracked following the issuance of the Welcome World Elite Companion Voucher on or after November 5, 2025 for the subsequent Voucher Earn Year.
For existing Eligible Primary Cardholders prior to November 5, 2025: the Minimal Annual Spend will be tracked following the issuance of the Annual World Elite Companion Voucher on or after November 5, 2025 for the subsequent Voucher Earn Year.
For an Eligible Primary Cardholder to receive a companion voucher, their WestJet RBC World Elite Mastercard credit card account must be open and in good standing at the time the companion voucher is awarded. Terms and conditions for the Annual World Elite Companion Voucher, Minimum Annual Spend and Voucher Earn Year are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to cancel, modify or withdraw this benefit at any time. For complete details, visit westjet.com/companion-voucher.
Each companion voucher can be redeemed by an Eligible Primary Cardholder for: (i) one (1) round-trip flight for $119 (plus taxes, fees, charges and other ATC) for UltraBasic, Econo and EconoFlex fares (“Economy Fares”) for travel in Canada or the continental United States or one (1) round-trip flight for $219 for Premium and PremiumFlex fares (“Premium Fares”); or (ii) one (1) round-trip flight to/from the rest of the WestJet network for $399 for Economy Fares or for $499 for Premium Fares. Any additional taxes, fees, charges and ATC (Air Transportation Charges) applicable to the ticket must be paid at time of booking. Unless otherwise stated, companion voucher fees are quoted in Canadian dollars (CAD) and are quoted for flights originating in Canada. Companion voucher bookings originating outside of Canada will be in the currency of the departure country. Visit westjet.com/companion-voucher for complete details. Additional fees may apply for bookings made via the Contact Centre.
A companion voucher may only be used: (i) for all published and eligible Economy Fares and Premium Fares wholly marketed and operated by WestJet; (ii) if the companion is travelling with you on the same itinerary; and (iii) for new bookings made through westjet.com or WestJet’s Contact Centre. A World Elite companion voucher cannot be: (i) used for Business, BusinessFlex or Member Exclusive fares; (ii) applied to existing reservations; or (iii) used for group bookings, WestJet Vacations, WestJet Vacations Quebec or Sunwing Vacations bookings. Other terms and conditions apply. Visit westjet.com/companion-voucher for complete details.
To participate in the Linked Loyalty Program, you must have an eligible debit or credit card that is issued by RBC Royal Bank of Canada (full list of cards is available at https://linkedloyalty.avionrewards.com/triangle-rewards/linked-loyalty-terms-en.pdf.) (“eligible RBC Card’), be enrolled in RBC Online Banking, be a registered member of the Triangle Rewards Program, link your eligible RBC Card to your Triangle Rewards Account and comply with the Linked Loyalty Program Terms and Conditions. Any/every card means an eligible RBC card that is linked to a Triangle Rewards account.
Electronic Canadian Tire Money (“CT Money®”) can be earned and redeemed on qualifying items at Canadian Tire and at Designated Partner locations. Participating locations include Canadian Tire, Sport Chek, Mark's, L'Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts locations across Canada. Terms and conditions apply to earning and redeeming CT Money. Your participation in the Triangle Rewards Program is governed by the Triangle Rewards Program Terms and Conditions. Also refer to the Partner page on the Program website for qualifying items at Partners. Please note that you will not earn CT Money on purchases made using a Linked RBC Card at any other retailer.
Once you link your RBC Credit or an RBC Debit Card to your Triangle Rewards Account (“RBC Linked Card”), you’ll earn 3X CT Money, consisting of the .4% base rate earned by Triangle Rewards members X 3 for a total of 1.2% of the pre-tax amount of the purchase each time you or a secondary RBC Cardholder present your Triangle Rewards card/key fob or any approved Cardless Method and use your Linked RBC Card to pay for qualifying purchases at Canadian Tire or Designated Partner Locations. The 3X CT Money is exclusive of any bonus or promotional offers. CT Money you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase after the CT Money has been processed and issued to the Triangle Rewards Account.
For complete details, including the definition of the terms used in the disclosures below, please see the full Avion Rewards and Ticketmaster Pay with Points Program Terms and Conditions.
To participate in the Ticketmaster Pay with Points Program, you must have an eligible Avion Rewards account that is issued by RBC Royal Bank of Canada (full list of eligible accounts is available at avionrewards.com/ticketmaster-ca-terms(opens external site in new window) (“eligible Avion Rewards account’), be an accountholder of a Ticketmaster account, connect your Avion Rewards and Ticketmaster accounts and accept the Avion Rewards and Ticketmaster Pay with Points Program Terms and Conditions.