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Based on the moi program redemption rate of 500 moi points for $4.00, 5,000 moi points have a redemption value of $40.00. For complete terms and conditions that apply to the moi program, please visit moiprogram.ca.

1)

This offer only applies to new application for the moi RBC Visa credit card. To benefit from this offer, your application must be received between January 21, 2026 to January 20, 2027 and approved by Royal Bank of Canada (“RBC”), and you must have a valid Moi card linked to your moi RBC Visa credit card.

You will be eligible to receive 3,000 welcome Moi points upon your first purchase (“Welcome Points”). The Welcome Points will appear on your monthly credit card statement and your Moi account up to six (6) weeks after your first purchase, provided your moi RBC Visa credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

To receive the additional 2,000 bonus Moi points (“Bonus Points”), (i) a total of $500 or more (“Qualifying Transaction Amount”) in net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Bonus Points are awarded to your Credit Card Account and your Moi account, approximately six (6) weeks after the date you reach $500 in Qualifying Transactions. Qualifying Transactions exclude 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 and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points. This offer may not be combined or used in conjunction with any other offer. RBC reserves the right to cancel, modify or withdraw this offer at any time. For complete details, and to learn more about all the benefits that come with your moi RBC Visa credit card, please visit www.rbc.com/moivisainfo. For complete terms and conditions that apply to the Moi program, please visit: www.moiprogram.ca.

2)

Moi 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.

3)

You will earn 2 Moi points for every $1 spent on Dining Purchases and in Gas and Electric Vehicle Charging Purchases you make, after taxes when you pay with your moi RBC Visa credit card at merchants that are classified by the following “Merchant Category Codes” (“MCCs”) by Visa:

• (i) “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages)” (MCC 5813), and “Fast Food Restaurants” (MCC 5814) are “Dining Purchases”;
• (ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), Electric Vehicle Charging” (MCC 5552) are “Gas and Electric Vehicle Charging Purchases”.

Each of these MCCs is an “Eligible MCC”.

Even though some merchants may sell meals, gas or allow you to charge your electric vehicle, purchases made at these merchants may not necessarily allow you to earn 2 Moi points for every $1 spent if the merchant is not classified by an Eligible MCC by Visa. Also, a merchant that is not classified by an Eligible MCC may be located on the premises of a merchant that is classified by an Eligible MCC, in which case a purchase made at this merchant would not qualify as a Dining Purchase or as a Gas and Electric Vehicle Charging Purchase. Royal Bank of Canada (“RBC”) cannot guarantee that any merchant who sells meals, gas or allow you to charge your electric vehicle is classified by an Eligible MCC and in no event will RBC be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by an Eligible MCC.

4)

You will earn 1 Moi point for every $1 spent on all purchases you make, including pre-authorized bill payment transactions, when you use your moi RBC Visa credit card to pay. Moi 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.

5)

You will earn 1 additional Moi point for every $1 spent on qualifying purchases you make, before taxes and any promotions in effect, in-store or online at participating Metro, Brunet and Première Moisson stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario (“Participating Locations”) when you swipe your Moi card and pay with your moi RBC Visa credit card.

You will earn 1 additional Moi point for every $3 spent on qualifying purchases you make, before taxes and any promotions in effect, in-store or online at participating Metro stores in Ontario when you swipe your Moi card and pay with your moi RBC Visa credit card. You will not earn 1 additional Moi point for any amount spent when you shop at Super C and Food Basics; you will however be eligible for bonus Moi points offers and other benefits, as available from time to time. Also, you will not earn 1 additional Moi point for any amount spent when you purchase any of the following products or services at Participating Locations or at Metro stores in Ontario: tobacco products, lottery tickets, public transportation tickets and passes, gift cards and other prepaid cards, stamps, postal services, dry cleaning, film and video game rentals, any deposit fees and eco-contributions, SAQ products, alcoholic beverages outside of the province of Québec, order preparation and delivery charges, donations, utensils for ready to eat products, certain products offered on participating partner’s platforms, products offered through food waste reduction platforms, fragrance discovery gift sets, items linked to a fundraising campaign, prescription drug, other medication and other pharmacy or health care-related products and services according to laws in place in each province, taxes, ecofees and any items excluded by Metro in the future or forbidden by law. Excluded products may vary by province and Metro reserves the right at all times, to add or exclude, at its sole discretion, eligible items for Moi points. Metro also reserves the right to deduct the 1 additional Moi points/$1 or $3 earned on returns and adjustments, whether the purchase was made in-store or online. Other terms and conditions apply. For complete details, visit moiprogram.ca. For the full list of Participating Locations, visit: moiprogram.ca.

6)

To participate in this offer, you must have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card.

Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your Linked RBC Card to pay for qualifying purchases at a 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 available at https://www.petro-canada.ca/en/personal/terms-and-conditions#petropoints. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

7)

Coverage underwritten by RBC Insurance Company of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online at https://www.rbcroyalbank.com/credit-cards/cardholders.html.

8)

To be able to redeem your Moi points, you must have at least 500 Moi points in your Moi account. If you do, you will be able to redeem a minimum of 500 Moi points to get $4 off your in-store or online transaction, before taxes, at participating Metro, Super C, Brunet and Première Moisson stores in Quebec, Metro and Food Basics stores in Ontario as well as Jean Coutu in Quebec, Ontario and New-Brunswick, provided the pre-tax value of the transaction is equal to or greater than that of the points being redeemed. If you wish to redeem more than 500 Moi points in one transaction, you may only do so in increments of 125 points thereafter. 125 Moi points = $1 or as otherwise determined by Metro. Other conditions and restrictions apply. For complete terms and conditions that apply to the Moi program, please visit moiprogram.ca.

9)

To participate in the Linked Loyalty Program, you must have an eligible debit or credit card that is issued by RBC Royal Bank of Canada (full list of cards is available at https://linkedloyalty.avionrewards.com/triangle-rewards/linked-loyalty-terms-en.pdf.) (“eligible RBC Card’), be enrolled in RBC Online Banking, be a registered member of the Triangle Rewards Program, link your eligible RBC Card to your Triangle Rewards Account and comply with the Linked Loyalty Program Terms and Conditions. Any/every card means an eligible RBC card that is linked to a Triangle Rewards account.

Electronic Canadian Tire Money (“CT Money^®”) can be earned and redeemed on qualifying items at Canadian Tire and at designated Partner locations. Terms and conditions apply to earning and redeeming CT Money. Your participation in the Triangle Rewards Program is governed by the Triangle Rewards Program Terms and Conditions. Also refer to the Partner page on the Program website for qualifying items at Partners. Please note that you will not earn CT Money on purchases made using a Linked RBC Card at any other retailer.

Once you link your RBC Credit or an RBC Debit Card to your Triangle Rewards Account (“RBC Linked Card”), you’ll earn 3X CT Money, consisting of the .4% base rate earned by Triangle Rewards members X 3 for a total of 1.2% of the pre-tax amount of the purchase each time you present your Triangle Rewards card/key fob or any approved Cardless Method and use your Linked RBC Card to pay for qualifying purchases at Canadian Tire or Designated Partner Locations. The 3X CT Money is exclusive of any bonus or promotional offers. CT Money you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase after the CT Money has been processed and issued to the Triangle Rewards Account.