You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 per Annual Period, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), in excess of $25,000 during an Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits are earned on Net Purchases only; they are not earned on Cash Advances (including balance transfers, Cash-Like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.

Mastercard Airport Experiences, provided by LoungeKey, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to LoungeKey Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating LoungeKey Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s LoungeKey membership. To view a full list of participating LoungeKey Airport Lounges, their facilities, opening times and restrictions, cardholders can visithttp://airport.mastercard.com By using this service, you agree to all of LoungeKey’s terms and conditions, including privacy and security policies available at http://airport.mastercard.com . These policies may be amended or updated at any time and without notice. RBC is not responsible for any claims or damages arising from the use of LoungeKey Airport Lounges. RBC is not responsible for this benefit. RBC reserves the right to modify or cancel this benefit at any time and without notice.

Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms .

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

As a cardholder with an eligible and valid World Elite Mastercard card, a complimentary Boingo Wi-Fi account is provided to you by Mastercard as a benefit (“Benefit”). As part of this Benefit, you are entitled to an unlimited Wi-Fi plan, which is limited to four (4) laptop, tablet, smartphone and/or other devices with embedded Wi-Fi technology (each, a “Device”) at a time. It is your responsibility to ensure your Device is compatible with this Benefit. To enjoy this Benefit, you need to first create an account at mastercard.boingo.com. You agree that use of Wi-Fi accessed through Boingo is at your own risk and by downloading the Boingo Wi-Finder App to find free access to Wi-Fi hotspots, you are giving Boingo permission to access your locations. Available hotspots in Boingo’s network are subject to change at any time. Visit http://wifi.boingo.com for a complete listing of hotspots. By enrolling for this Benefit, you agree to be bound by Boingo’s Terms and Conditions, and other terms and conditions, including Boingo’s privacy and security policies available at www.boingo.com, which may be amended at any time without notice to you. Any such amendment shall be effective upon publication online and you are responsible for regularly checking www.boingo.com for any such updates. This Benefit is offered by Mastercard and Royal Bank of Canada (“Royal Bank of Canada”) is not responsible for this Benefit and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. Mastercard reserves the right to modify or cancel this Benefit at any time and without notice.

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed on at www.mastercard.ca/worldelite

Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at www.traveloffers.mastercard.com. Offer eligibility requires spend in local currency and minimum spend requirements apply. Offers may be subject to change without notice.