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Using and Protecting my Card

Online shopping with your credit card is convenient and common, but it’s always smart to exercise some caution when using your credit card for online and telephone purchases. Here are a few simple rules to help minimize your risk:
  • Never give your credit card number over the phone, unless you have initiated the call
  • Make online purchases from recognized retailers, and only when the site is equipped with security features such as:
    • The site URL begins with HTTPS and not HTTP. This indicates that the area is protected by security protocols.
    • A key or lock symbol that appears at the bottom of your screen when you're making a purchase from a secure Internet site. If the lock or key is broken, the site could be unsecure. Try finding the item on a different retailer to complete your purchase.
Easy! Simply:
  1. Sign in to RBC Online Banking
  2. On the account summary page, select the card you want to replace
  3. On the right side of the page, select Replace Card
  4. Follow the on-screen instructions
  5. You’ll receive your new credit card within 7 – 10 business days
If you’re ever a victim of credit card fraud, take a deep breath--you’re ok. Call 1-800-769-2512 and we’ll be happy to help you. Provided you’ve take reasonable precautions to protect your PIN and your card, you’re covered for any fraudulent charges both online and in-store. For more information, view the Zero Liability policies by Visa and Mastercard.

There are 4 ways to activate:

Sign in to the RBC Mobile App:
  • Select your new credit card from the Accounts Overview list
  • On the Credit Card Details page, select Add or Activate Your Card

    • On all mobile devices, you can Activate Your Physical Card after you’ve received it in the mail
    • On iOS devices, you also have the option to Add a Virtual Card to Your Apple Wallet to use immediately
  • Select the option you’d like, and follow the on screen instructions
Sign into RBC Online Banking:
  • Select your credit card on the Accounts Summary page
  • On the Account Details page, select Activate My Credit Card
  • Follow the instructions
By Phone:
  • Call 1-800-769-2512
  • For Private Banking credit cards, please call 1-888-769-2585

If your card has a signature strip on the back, please remember to sign it once it’s activated. If you’re replacing an older credit card, cut up your old card and throw it away.

You can easily lock and unlock your card through RBC Online Banking or the RBC Mobile app by selecting the card you want to lock and switching the toggle for Lock Card.
To be eligible, you must be enrolled in RBC Online Banking in order to use your new credit card with Apple Pay. Once you apply for your new RBC personal credit card (excluding the RBC RateAdvantage Visa) you will need to open or download the RBC Mobile app and sign in using your Client Card number (or username) and password. If you are eligible, you will see the option to add your new credit card to Apple Pay in the app within 48 hours after approval.
Yes. Your RBC credit card can be used anywhere in the world where credit cards are accepted. Some terminals and ATMs overseas won’t accept a PIN with more than 4 digits so be sure to change your PIN before you leave. If you’re using your card at a location that doesn’t have a chip-enabled terminal, simply swipe your card and sign your name.

Are you currently travelling and experiencing an issue? Call us collect at 416-974-7780.
If you’ve simply misplaced your card, you can lock it temporarily through RBC Online Banking or the RBC Mobile app until you find your card.

If your card has been stolen or permanently lost, call our 24-hour toll-free number 1-800-769-2512. We’ll block the card from future use and issue you a new card.
Yes, and in most places around the world, your credit card can be replaced in 3 business days or less.
You can add an Authorized User to your account through RBC Online Banking, or follow these 3 simple steps:
  • Download the application form
  • Print, complete all required fields, and sign the form. Both you and your Authorized User will be required to sign the form.
  • Mail the form to this address:

    RBC Royal Bank
    c/o Administration Department
    P.O. Box 8400, Stn, Terminal
    Vancouver, BC V6B 9Z9

If a transaction on your statement looks unfamiliar, don’t panic. There are some common reasons why you may not recognize a transaction:
  • Unfamiliar merchant name
  • Unfamiliar amount
  • Unfamiliar date
  • Multiple cardholders or users
  • Price or fee changes from the merchant
  • Expired trials or free memberships
Start by understanding your credit card transactions. Learn what you can do if you don’t recognize a transaction, including if you want to dispute a credit card transaction or report a fraudulent transaction.
If there is a transaction on your statement that you know you didn’t make, here’s what to do immediately:

Insurance Coverage For Your Credit Card Balance

Help make sure your credit card balance doesn’t become a burden to you or your family with simple and affordable job loss, total disability and life coverage.