Borrow Up to $425,000 + Get 30,000 Avion Points^
When you open a Medical/Dental Royal Credit Line1
Access the funds you need + get points for two short-haul, round-trip flights to an adjacent province/territory or adjacent US state, based on Avion Elite redemption. Max ticket price $700.
See eligibility criteria. Terms, conditions and exclusions apply. Offer end May 31, 2026.
Borrow up to $425,000 with a Medical/Dental Royal Credit Line*
Supplement your cash flow with a personal line of credit that can give you access to the funds you need, when you need them upon approval*,**,1.
Top Benefits
- Low Interest Rate: Borrow at Prime minus 0.25%2 as an RBC Healthcare Advantage or Healthcare Advantage Pro customer.
- Reuse Available Credit: Once you pay down your balance, those funds are available to you again – there’s no need to re-apply.
- Flexible Payment Terms: Make just the minimum payment3 or pay more at any time to reduce your balance.
Get 30,000 Avion Points** when you open a Medical/Dental Royal Credit Line
With 30,000 Avion points, you can take two short-haul flights within or to an adjacent province or state (based on an Avion Elite redemption. Max ticket price $700). Enough for two quick getaways!
Avion Rewards, Canada’s largest bank-owned loyalty program, brings you more ways to shop, earn, save, and redeem every day. When you open a Royal Credit Line and join Avion Rewards or are an existing Avion Rewards member, you could earn 30,000 Avion points – and use them toward everyday rewards that make life a little easier:
- Book flights, hotels and car rentals
- Pay down credit cards, loans and bills
- Get gift cards and merchandise from thousands of brands
- Save on everyday favorites like your go-to cup of coffee
Terms and conditions apply. Applications are subject to credit approval. Apply by May 31, 2026, to be eligible for this offer.
An RBC Healthcare Specialist can offer personalized support through the application process. Here’s what you need to prepare:
- A letter of employment, resident employment contract or acceptance letter into a Canadian Medical or Dental Resident Program.
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. All other trademarks are the property of their respective owners.
Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.
This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from March 2, 2026, to May 31, 2026, inclusive (the “Promotional Period”).
The Promotional Offer is available to eligible applicants for Royal Credit Line for Students, as well as Medical/Dental Royal Credit Line, who, at the start of the Promotional Period, do not have a Royal Credit Line (RCL) with Royal Bank of Canada, and who otherwise comply with the terms and conditions (the “Terms”) provided herein.
The Promotional Offer is:
- 7,500 Avion points for eligible students enrolled in a “General Program” or “Professional Program”, or
- 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”, “Medical or Dental Residents”, or “Medical or Dental Practicing Professionals”.
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. “Medical or Dental Program” means post-secondary level programs, upon the completion of which, the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS). “Medical or Dental Residents” means newly graduated doctors or dentists undergoing postgraduate training as part of a residency program. “Medical or Dental Practicing Professionals” means graduated doctors and dentists who are licensed, registered, and are actively practicing medicine or dentistry. Please speak with an RBC advisor to confirm eligibility.
The Terms:
To qualify to receive the applicable benefit of this Promotional Offer:
- I. you must either be a student who is enrolled in an eligible General Program, Professional Program, Medical or Dental program, or a Medical or Dental resident or practicing professional as described above.
- II. you must be the primary applicant for an RCL with Royal Bank of Canada.
- III. you must start your RCL application by 11:59pm EST on May 31, 2026.
- IV. your application must be approved and activated by 11:59pm EST on June 14, 2026.
- V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the Avion points are awarded.
- VI. you must be an Avion Rewards member before June 14, 2026. To check your membership status or to join now and accept Terms and Conditions, please go to https://www.avionrewards.com/index.html and sign in with your Online Banking credentials.
Note: Eligible students, as part of their Student RCL, Medical/Dental RCL for Students application, may be required to provide proof of enrolment in an eligible General Program, Professional Program, or Medical/Dental program as applicable.
In addition to any other exclusions described in these terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing RCL’s; (ii) RCL’s that were opened prior to the Promotional Period; (iii) Student RCLs or Medical/Dental RCL for Students held by individuals who have already completed their studies (as applicable), even if their Student RCL or Medical/Dental RCL for Students remains open during or after the Promotional Period; (iv) Student RCLs or Medical/Dental RCL for Students held or opened by individuals enrolled in programs of study other than an eligible general, professional, or Medical or Dental programs (as described above).
If you qualify to receive the benefit of this Promotional Offer, the Avion points you qualify to receive, as applicable, will be deposited into your eligible Avion Rewards account within eight (8) weeks of the offer end date (May 31, 2026) (no action required from you). In order to receive the points for which you have qualified, you must be an Avion Rewards member at the time the points are awarded. If you are not an Avion Rewards member as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this benefit and be deemed to have not qualified for the Promotional Offer. For more information on eligibility visit https://www.avionrewards.com/eligibility.html.
Only one Promotional Offer payment per client per activated RCL. Promotional Offer and RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.
Other Terms and Conditions:
Your points will be awarded to your Avion Rewards Core Account. If you are also an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem from the Air Travel Redemption Schedule starting at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State (valued up to $175). 30,000 points is enough for two round-trip flights within or to an adjacent province/state (valued up to $700). In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. RBC Avion Cardholders are also eligible to redeem for first class and business class seats at a fixed redemption rate. For more details, including redemption rates and information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account.
If you are not an RBC Avion Cardholder, different travel redemption rates apply. Please refer to the Avion Rewards Terms and Conditions for information on how to redeem and redemption rates Avion Rewards Terms and Conditions.
All Avion Rewards members can redeem Avion points for travel, gift certificates/cards, brand name merchandise, and other categories. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held.
To be eligible to apply for the medical and dental student RCL or Healthcare Advantage, a resident must be enrolled in a Canadian dental or medical resident program, and a practicing professional must have their MD or DS designation.
Royal Bank “Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. Prime minus 0.25% on the Royal Credit Line are available to clients participating in the RBC Healthcare Advantage program. The discounted rate is subject to change at any time without notice. October 30, 2025, the Royal Bank Prime Rate was 4.450%.
The minimum payment is the accrued interest, service fees and any other charges that apply for that period, including your Loan Protector insurance premium and taxes, if applicable.
Make Your Next Career Move with Confidence
Your future is bright — and we’re here to help you plan and prepare for it.
Cover Your Expenses, Big and Small
Access the funds you need to pay your bills, transportation, moving costs and more with a flexible credit line and other borrowing solutions.
Get up to $425,000 in financing1 and continue having access to funds after residency2 with the medical/dental Royal Credit Line3. Upgrade to RBC Healthcare Advantage4 and save with an exclusive rate of Prime minus 0.25%.5
Benefit from Personalized Financial Planning
Discover ways to balance repaying debt with other priorities such as saving for your future. At RBC, we’ll connect you with advisors who can help you:
- Plan for important milestones, such as buying a home
- Pay down your debt
- Start and grow your investments
Get Support for Your Next Steps
Whether you’re just starting your residency or transitioning to practicing, we understand the complexities of your journey and can help with advice to support your important career decisions.
BUNDLE & SAVE
Save $480+ on Your Banking with RBC Healthcare Advantage4
Plus, Borrow at Prime minus 0.25%5
+
+
Other Special Offers for RBC Healthcare Advantage Customers
Graduating residency soon? Dr.Bill makes it easy to master medical billing no matter your specialty.
Get a $150 billing credit with Dr.Bill. Upon credit depletion, pay just 1% of successfully paid claims on Dr.Bill’s Comprehensive plan (regular price 1.95% of paid claims).8
Invest the Easy Way and Pay No Management Fee for 6 months9
Get a professionally-built investment portfolio without the work. Open your first RBC InvestEase account and pay no management fees for 6 months.
Borrow Against Your Home Equity at Prime minus 0.25%10
Improve your cash flow and save money with a preferred rate on the RBC Homeline Plan, which combines your mortgage and credit line into one product.
Get the Advice and Solutions You Need to Focus on Residency
Meet with one of our 1,300+ RBC Healthcare Specialists across Canada or speak with your RBC advisor.
You can also call our support line at: 1-833-395-8118
This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from March 2, 2026, to May 31, 2026, inclusive (the “Promotional Period”).
The Promotional Offer is available to eligible applicants for Royal Credit Line for Students, as well as Medical/Dental Royal Credit Line, who, at the start of the Promotional Period, do not have a Royal Credit Line (RCL) with Royal Bank of Canada, and who otherwise comply with the terms and conditions (the “Terms”) provided herein.
The Promotional Offer is:
- 7,500 Avion points for eligible students enrolled in a “General Program” or “Professional Program”, or
- 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”, “Medical or Dental Residents”, or “Medical or Dental Practicing Professionals”.
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. “Medical or Dental Program” means post-secondary level programs, upon the completion of which, the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS). “Medical or Dental Residents” means newly graduated doctors or dentists undergoing postgraduate training as part of a residency program. “Medical or Dental Practicing Professionals” means graduated doctors and dentists who are licensed, registered, and are actively practicing medicine or dentistry. Please speak with an RBC advisor to confirm eligibility.
The Terms:
To qualify to receive the applicable benefit of this Promotional Offer:
- I. you must either be a student who is enrolled in an eligible General Program, Professional Program, Medical or Dental program, or a Medical or Dental resident or practicing professional as described above.
- II. you must be the primary applicant for an RCL with Royal Bank of Canada.
- III. you must start your RCL application by 11:59pm EST on May 31, 2026.
- IV. your application must be approved and activated by 11:59pm EST on June 14, 2026.
- V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the Avion points are awarded.
- VI. you must be an Avion Rewards member before June 14, 2026. To check your membership status or to join now and accept Terms and Conditions, please go to https://www.avionrewards.com/index.html and sign in with your Online Banking credentials.
Note: Eligible students, as part of their Student RCL, Medical/Dental RCL for Students application, may be required to provide proof of enrolment in an eligible General Program, Professional Program, or Medical/Dental program as applicable.
In addition to any other exclusions described in these terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing RCL’s; (ii) RCL’s that were opened prior to the Promotional Period; (iii) Student RCLs or Medical/Dental RCL for Students held by individuals who have already completed their studies (as applicable), even if their Student RCL or Medical/Dental RCL for Students remains open during or after the Promotional Period; (iv) Student RCLs or Medical/Dental RCL for Students held or opened by individuals enrolled in programs of study other than an eligible general, professional, or Medical or Dental programs (as described above).
If you qualify to receive the benefit of this Promotional Offer, the Avion points you qualify to receive, as applicable, will be deposited into your eligible Avion Rewards account within eight (8) weeks of the offer end date (May 31, 2026) (no action required from you). In order to receive the points for which you have qualified, you must be an Avion Rewards member at the time the points are awarded. If you are not an Avion Rewards member as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this benefit and be deemed to have not qualified for the Promotional Offer. For more information on eligibility visit https://www.avionrewards.com/eligibility.html.
Only one Promotional Offer payment per client per activated RCL. Promotional Offer and RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.
Other Terms and Conditions:
Your points will be awarded to your Avion Rewards Core Account. If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem from the Air Travel Redemption Schedule start at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State (valued up to $175). 30,000 points is enough for two round-trip flights within or to an adjacent province/state (valued up to $700). In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. RBC Avion Cardholders are also eligible to redeem for first class and business class seats at a fixed redemption rate. For more details, including redemption rates and information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account.
If you are not an RBC Avion Cardholder, different travel redemption rates apply. Please refer to the Avion Rewards Terms and Conditions for information on how to redeem and redemption rates Avion Rewards Terms and Conditions.
All Avion Rewards members can redeem Avion points for travel, gift certificates/cards, brand name merchandise, and other categories. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held.
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Healthcare Advantage Pro Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
-
Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
-
Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
-
Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
-
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year1.
Receive a full rebate on the annual fee for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards:
- RBC Avion Visa Infinite
For those who want unparalleled travel flexibility with our most popular Avion travel credit card - WestJet RBC World Elite Mastercard
For the WestJet flier who wants access to more rewards and benefits - RBC British Airways Visa Infinite
For The British Airways flier who wants travel benefits and insurance
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
For those who want to start travelling in style with luxury travel perks