Terms and Conditions - Shoppers Optimum

® / ™ Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ Shoppers Optimum is a registered trademark of 911979 Alberta Ltd., used under licence. All other trademarks are the property of their respective owner(s).

† If you are not currently a member of the Shoppers Optimum Program (“Member”), you will be enrolled automatically once you are approved for the RBC Shoppers Optimum MasterCard. Thereafter, you will earn i) 15 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in net purchases made with your credit card at any Shoppers Drug Mart/Pharmaprix store location (“SDM Location”), excluding those made at Canada Post outlets located within any SDM Location, and ii) 5 Shoppers/Pharmaprix Optimum Points (“Points”) for every $1 (CDN) in net purchases made with your credit card everywhere else (including pre-authorized bill payments and net purchases made at Canada Post outlets located within any SDM Location), provided your credit card account and Shoppers Optimum Program (“Program”) membership are in good standing. Only one Member can be associated with a credit card account, which means that Points earned by all cardholders on the credit card account will be credited to the primary’s Shoppers Optimum account, even if the co-applicant and/or authorized user(s) are also Members. Points are not earned on Cash Advances (i.e. RBC Royal Bank credit card cheques, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees or unauthorized transactions. Credits for returns and adjustments will reduce or cancel the Points earned by the amounts originally charged. Other conditions and restrictions apply. For complete details click here (opens new window). All terms, conditions and restrictions applicable to the Program are established solely by Shoppers Drug Mart Inc. and govern your participation in the Program. They are available at: www.shoppersdrugmart.ca (opens new window)

1) Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC Shoppers/Pharmaprix MasterCard.

2) The InfoProtector services are provided by Aimia Proprietary Loyalty Canada Inc.; they, not RBC Royal Bank, are responsible for the program.

3) The BalanceProtector Premiere plan is creditor's group insurance underwritten by Assurant Solutions and provided to eligible RBC Royal Bank cardholders. Assurant Solutions is the trade name for the Canadian Branches of American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida.

4) Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by RBC General Insurance Company.

* The co-applicant is fully responsible with you, for all amounts owing on the account, including for transactions made by authorized users, if any.

~ All redemptions of Shoppers Optimum Points must be made through Shoppers Drug Mart (“SDM”) in accordance with the terms and conditions of the Shoppers Optimum Program. All terms, conditions and restrictions applicable to the Shoppers Optimum Program are established by Shoppers Drug Mart (“SDM”) and are available at: www.shoppersdrugmart.ca. SDM, not Royal Bank of Canada, is responsible for the Shoppers Optimum Program.

* The bonus Shoppers Optimum Points will appear on your first monthly statement, but it will take up to two (2) business days following the end of your monthly statement period before they get credited to your Shoppers Optimum account. Additional cardholders are not eligible for this welcome bonus offer.

** The Shoppers Optimum Points earned with the Shoppers Optimum Card are separate from those earned with the RBC Shoppers Optimum MasterCard and are exclusively governed by the Shoppers Optimum Program terms and conditions. Any RBC Shoppers Optimum MasterCard cardholder who is also a member of the Shoppers Optimum Program can earn 10 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in eligible net purchases at Shoppers Drug Mart/Pharmaprix store locations, provided they pay with their RBC Shoppers Optimum MasterCard and present their valid Shoppers Optimum Card when paying. The Shoppers Optimum Points will be credited directly to the Shoppers Optimum account of the cardholder. For complete Shoppers Optimum Program terms and conditions, including eligible purchases and exclusions, visit: www.shoppersdrugmart.ca (opens new window).