Skip to main content

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 3 ways to activate:

Online:
Sign into RBC Online Banking:
  1. Select your credit card on the Accounts Summary page
  2. On the Account Details page, select Activate My Credit Card
  3. Follow the instructions
By Phone:
  • Call 1-877-900-5900
  • For Private Banking credit cards, please call 1-888-769-2597

As soon as your new card is activated, please remember to sign the back. 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. Here’s 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:
  • Lock your card via the RBC Mobile app or RBC Online Banking. Hyperlink lock your card to our lost and stolen page
  • Call the RBC Fraud Centre at 1-800-769-2512 so they can assist you
If your credit card is declined when making a purchase, here’s a few reasons that might be why: there could be a number of reasons for why this is happening:
  • You’ve exceeded your credit card limit: If you attempt to make a purchase that exceeds your credit limit, your purchase may be declined. If the purchase is approved, you may be charged a $29.00 overlimit fee depending on the card you have and where you reside. If you'd like to increase your credit limit, please make a request in RBC Online Banking.
  • Your credit card is locked: If your card is locked, all cash advances, purchases and withdrawals either online or in person will be declined. You can unlock it by logging in to the RBC Mobile app or RBC Online Banking and navigating to your account details page.
  • Your credit card has expired: Your credit card will expire on the last day of the month in the year printed on the front of your card. If anything is charged to your Account after it has expired, you are responsible for and must pay the amount owing. Your replacement card will arrive at least one week before the existing card is due to expire. The date on which your card will expire is the last day of the month in the year printed on the front of your card.
  • Your credit card is not activated: Once you receive your RBC credit card in the mail, you need to activate it in order to use it.

    There are 3 ways to activate:

    Online at www.rbc.com/activate

    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 1-877-900-5900
    • For Private Banking credit cards, please call 1-888-769-2597
    As soon as your new card is activated, please remember to sign the back. If you’re replacing an older credit card, cut up your old card and throw it away.

If the answers above do not resolve your problem, you can call customer service at 1-800-769-2512 and a representative will help you.

Authorized Transactions still need to be settled by a retailer or service provider. Most transactions stay under the “authorized” label for 3-5 days. When a retailer or service provider finishes their assessment of the charge, the transaction will move to Posted Transactions.

Posted Transactions are 100% complete. We’ve paid the retailer or service provider on your behalf and charged the transaction to your credit card.

Sometimes you’ll see an Authorized Transaction that doesn’t match the final amount of your purchase. Don’t worry. Some businesses (like gas stations and hotels) ask us to pre-authorize a set amount before the purchase is complete. Once we review and settle the charge, you’ll see the actual amount spent in your Posted Transactions.

If you don’t recognize a transaction in your Posted Transactions, contact us at 1-800-769-2512. We’ll be happy to go through it with you.

Balance Protector Premium

Protecting your credit card balance with BalanceProtector Premiere® coverage is easy, and the application only takes a few minutes to complete.