Borrow Up to $425,000 + Get 30,000 Avion Points^
When you open a Medical/Dental Royal Credit Line**
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*,**,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.
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.
Financial Advice You Can Count On
As a physician, you’re no stranger to busy, fast-paced days that leave little time for important tasks like managing your finances. That’s where we can help. We’ll work with you to create a holistic financial plan designed around you, your family, your practice and your future.
Our process helps you define your goals and explore custom solutions and strategies, so you can move forward with ease. When needed, an RBC Healthcare Specialist can bring together RBC resources and professionals to help you:
Get support to balance your needs for today with your goals for the future. Feel confident in your financial plan and put some time back in your schedule—so you can focus on what matters most to you.
Financial advice and solutions for every stage of life
Let an RBC Healthcare Specialist engage all the right RBC professionals, tools and solutions to create a financial plan that checks every box for your life and business.
Based on your evolving needs and goals, they can help you:
- Find the right personal banking and credit solutions
- Build your investment portfolio and retirement plan
- Secure a mortgage for your home and investment properties
- Access private banking and wealth solutions when the time is right
- Build a lasting legacy for you and your loved ones
- Protect what matters most through estate and trust planning
Not sure where to start? Wherever you are in your financial journey, we’re here to help.
From starting a practice to retiring, we can help you every step of the way
Starting and running a practice is easier with the right support. Feel confident about your financial future, with advice and solutions that are designed around your unique needs.
No matter where you are in your career journey, your RBC Relationship Manager can build a tailored financial plan to help you achieve your business goals. They’ll work to help you:
- Create a customized business plan to help you start and grow your practice
- Get the best business account, line of credit and credit card for you
- Secure the financing you need to manage and expand your practice
- Set up cash management and payment solutions
- Explore opportunities to make your practice more efficient
- Plan for growth or business succession when the time is right
As your business adapts and grows, enjoy financial advice and solutions that do the same.
BUNDLE & SAVE
Unlock Exclusive Savings and
Preferred Borrowing Rates
Enjoy tailored solutions that cater to your personal and business needs.
Benefit from Offers and Services Beyond Banking
Physicians often need more than traditional banking. When you choose RBC Healthcare, you unlock access to offers and solutions beyond banking—designed to simplify your daily tasks and save you time and money.
Think of Dr.Bill as your medical billing specialist—in your back pocket. As an RBC client, enjoy a $150 individual billing credit.2
Save 30% on ADP, so you can track employee hours and seamlessly integrate with your payroll services.3
Promote efficient use of clinic space and seamless interactions between patients and staff with 20% off Chime’s AI-powered software.4
Get Advice and Solutions to Help Simplify Life and Business
Meet with one of our RBC Healthcare Specialists across Canada or speak with your RBC advisor.
- Get insights from advisors who understand the medical industry
- Explore personal and practice solutions designed for physicians
- Access the RBC professionals and solutions you need—in one place
RBC Healthcare Specialist
You can also call our support line at: 1-833-395-8118
Frequently Asked Questions
Frequently Asked Questions
As a physician, navigating both your personal and practice finances can be complex. That’s why we offer advice and solutions to help simplify your financial picture. Here’s how we support your success:
- Dedicated Expertise: Get ongoing advice from RBC Healthcare Specialists who specialize in physicians’ finances.
- Banking Benefits: Enjoy perks like fee waivers on personal and business bank accounts and credit cards, plus preferred rates on mortgages and lines of credit with RBC Healthcare Advantage and RBC Healthcare Advantage Pro.
- Investments and Wealth Planning: You can grow your wealth with personalized strategies, including tax-efficient portfolios, retirement planning and access to RBC’s investment expertise.
- Practice Growth and Financing: Secure the capital and tools you need to start or expand your practice, from operating lines of credit to cash flow management solutions.
- Beyond Banking: Access practice management tools and partner offers to help save you time and money
Talk to an RBC Healthcare Specialist today to get started.
RBC Healthcare Advantage Pro offers exclusive savings and offers for physicians. Simply open both the RBC VIP Banking account and an eligible personal RBC credit card to get all the RBC Healthcare Advantage Pro including
Personal Banking Benefits
- A monthly fee waiver on your RBC VIP Banking account (required)
- An annual fee rebate on one eligible RBC credit card (required)
- Prime - 0.25% rate on the Medical/Dental Royal Credit Line and the RBC Homeline Credit Line
- 6 months of no management fees at RBC InvestEase, our low-cost, low-effort digital investment service
- Preferred guaranteed investment certificate (GIC) rates A way to maximize your savings
Business Banking Benefits
- Prime - 0.25% rate on a Royal Business Operating Line of Credit
- A monthly fee waiver on the RBC Digital Choice Business Account Package
- A one-time annual fee rebate on the RBC Avion Infinite Business Card
Beyond Banking Benefits
- Special offers from RBC and our partners to simplify and streamline your practice
Talk to an RBC Healthcare Specialist today to get started.
Understanding Canada’s registered investment accounts can help you save for your future in a tax-efficient way. Here’s an overview of three of the most popular account types:
- A Tax-Free Savings Account (TFSA) is a registered investment account you can use to save for any goal (e.g. emergencies, big purchases or retirement) tax-free. Withdrawals are tax-free and do not affect government benefits.
- A Registered Retirement Savings Plan (RRSP) is a tax-deferredx retirement account. Contributions can help reduce your taxable income, and withdrawals are taxed as income and may impact benefits like Old Age Security (OAS).
- A First Home Savings Account (FHSA) is a registered investment account that can help you save towards your first home tax-freex. You could be eligible if you’re a first-time homebuyer or have not owned a home in which you lived this year or at any time in the last four years.x
You can reach out to an RBC Healthcare Specialist for help choosing the right investment accounts to meet your goals.
Yes, RBC offers tailored mortgage solutions designed specifically for physicians and other healthcare professionals. It considers your projected income and unique financial circumstances to offer you a competitive mortgage rate and flexible terms.
Contact an RBC Healthcare Mortgage Specialist to explore your options.
Taking time away from your practice is a big step. Here are a few ways you can prepare your finances:
- Map Your Cash Flow: Estimate income changes during leave and identify fixed expenses such as practice overhead and personal bills.
- Leverage Benefits: Check your eligibility for Employment Insurance (EI) parental benefits or private insurance (e.g. disability coverage) and apply as early as possible.
- Practice Continuity: Arrange locum coverage or partner support and communicate your plans to patients and staff well ahead of time.
- Explore Tax and Savings Options: Discuss tax adjustments (e.g. reduced installments) with an accountant and consider adjusting RRSP, TFSA or other investment contributions if needed.
- Get Support from RBC: Explore options to optimize your savings and cash flow with an RBC Healthcare Specialist, including payment pauses on mortgages or lines of credit.
Since income tax isn’t automatically deducted for you as a self-employed physician, here are a few ways you can prepare for taxes:
- Set Funds Aside Regularly: Save a portion of each payment to cover income tax, Canada Pension Plan (CPP) and installments to avoid the need for last-minute funds.
- Track Potential Deductions: Record business expenses such as office rent and medical supplies. Every eligible deduction helps lower your taxable income.
- Register for GST/HST: If your revenue exceeds $30,000, register for GST/HST and claim input tax credits on business purchases.
- Take Advantage of Incorporation Perks: Ask a tax professional about personal and corporate tax strategies to help optimize your savings. If you’re not incorporated yet, speak with an RBC Healthcare Specialist to explore your options.
- Team Up with Professionals: Work with a tax specialist and an RBC Healthcare Specialist to align tax planning with your bigger financial goals—like saving for retirement or growing your practice. Regular check-ins can help ensure you’re on track, minimizing surprises and maximizing savings.
There is no one-size-fits-all amount. Your retirement income needs will depend on several factors, including your current income level, incorporation status, lifestyle goals and expected retirement age.
Physicians typically build wealth through a mix of:
- Registered investment accounts, such as a Registered Retirement Savings Plan (RRSP) for tax-deferred growth
- Corporate savings (if incorporated) to leverage retained earnings
- Personal investments and assets for diversification
Review your plan with an RBC Healthcare Specialist to ensure it aligns with your long-term goals and considers factors like changing circumstances, taxes, withdrawals and debt repayments.
Estate planning helps safeguard your assets—including your practice—and ensures that your assets are distributed according to your wishes.
You can create a personalized estate plan that helps protect your legacy, aligns with your financial goals and addresses your unique considerations, such as:
- Business succession
- Wealth transfer
- Tax optimization
- Structure planning
- Insurance solutions
- Asset protection
Speak with an RBC Healthcare Specialist to learn how RBC can help support your estate and will planning.
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.
No endorsement of any third parties or their advice, opinions, information, products, or services is expressly given or implied by Royal Bank of Canada or its affiliates.
Members of RBC Healthcare Advantage, RBC Healthcare Advantage Pro or RBC Healthcare Advantage Private Banking Plans who are referred by RBC are eligible to receive a 30% discount on the following ADP standard recurring processing fees (if applicable) for the following: Base fees, Per employee/per processing fees, Per employee/per month fees, and General Ledger Interface. The discount will apply only on the following products: TeamPay by ADP®, ADP Workforce Now On the Go®, and ADP HR Assist®. The discounted fees and applicable products may be changed by ADP in its discretion, from time to time.
The discount excludes pass through and other costs including, but not limited to: courier fees or other delivery fees; set up, training, installation, sale, rental or leasing of equipment or software; custom programming; maintenance; provision by ADP of cheques, forms or other supplies; any fees for Client conversion, consulting or professional services; official bank cheques; special one-time reports, including tax reports; ADP products or services not in existence on the date hereof; any other Services that are not expressly set out above; screening services or third party recruitment services which may be available as part of ADP Workforce Now® Comprehensive Services; applicable year-end processing fees (including T4 forms); refundable deposits or third-party pass-through charges (including delivery charges); or sales, service or excise taxes. Nothing in this paragraph shall amend or modify the standard terms and conditions of the ADP services agreement entered into by any referred members.
Discount of 20% off the Chime Work Flow Management Product monthly subscription fee available until December 31, 2025 to RBC Healthcare Advantage Plan members. The discount will be honoured for a minimum of 12 months from the date of subscription, at the sole option of Chime. No discount will be applied on the Provider’s one-time fixed or up-front fees, including hardware and installation costs. Chime Technology Inc. not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Chime services, visit www.chimeclinic.com.
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