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More Ways to Use Your Credit Card
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.
Top Credit Card FAQs
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.Learn moreyour card being lost or stolen
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.Learn more about credit card lock
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.
Credit cards are important for things like making hotel reservations, car rentals, or online purchases. They’re convenient and secure, and help give you the freedom to manage your finances, cover unexpected emergencies and also take advantage of rewards and special insurances. They’re also an easy way to establish a credit history! Use our credit card selector to find a card that's right for you and apply online in just a few easy steps.
If you collect Avion points, you can easily redeem them for travel, merchandise, gift cards and more at avionrewards.com. If you earn WestJet dollars, Avios or Asia Miles, you can redeem directly with the airline loyalty program connected to your card.
You can make a payment through any of the methods below:
- RBC Online Banking
- RBC Mobile app
- automated payments (so you’ll never need to worry about making your payment on time)
- by phone
- by mail
- in person at an RBC branch
- at an RBC Royal Bank ATM
Top Credit Card FAQs
If you'll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you’ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab.
When you make a transaction at a chip-enabled terminal with your RBC Chip and PIN credit card, you're in control. The process is quick and easy and your card should never leave your sight: Rather than swiping your card, it will be inserted into the terminal and left there for the entire transaction. Removing the card will terminate the transaction. You will follow the prompts on the screen and enter your PIN instead of verifying the transaction with your signature. When the transaction is complete, you will remove your card when prompted and wait for the receipt. If the store or restaurant does not yet have a chip-enabled terminal, your card will be swiped and you will sign the receipt as you do today.
Switching to eStatements is easy to do.
- Log in to RBC Online Banking
- Select Account Details
- Select Change Statement Options
- Select Change next to the accounts listed on the Statement Options page
- Follow the Statement Option prompts
If you’re looking for simple answers to your credit-related questions, visit our Credit Education page. You’ll learn about everything from credit reports and monitoring to credit scores and money management.
To help you get the most from your RBC Credit card, we created this easy-to-understand guide that explains all the sections of your credit card statement.
Authorized Transactions are those that still need to be settled by a retailer or service provider. Most transactions stay authorized for 3-5 days. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions. Posted Transactions are 100% complete. We’ve paid the retailer or service provider 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 an amount before you’ve finished your purchase. Once we settle the charge, you’ll see the actual amount you spent in your Posted Transactions. If you do see an item in your Posted Transactions that isn’t what you expected, contact us at 1-800-769-2512. We’ll be happy to go through it with you.
To use Visa’s easy, smart and secure online checkout, create an account by adding your RBC VISA Credit Card, Virtual VISA Debit card, or Prepaid card.
More Ways to Use Your Card
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.
Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (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 points earned by the amounts originally charged.