Get up to 100,000 Avion points
& 1st year fee waiver^ – a value of up to $2,175^^
Offer ends November 30, 2026. Qualifying criteria and other conditions apply◊.
View Offer Details
Open an RBC VIP Banking Account and
Get the New iPad*
Offer Ends November 2, 2026. Qualifying Criteria and Other Conditions Apply.
View Offer Details
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.
Sign up for better billing today. Try Dr.Bill’s Comprehensive Plan FREE for 2 months and enjoy unlimited billing agent support to optimize claims and manage rejections.
Plus, RBC clients unlock an exclusive discount on paid claims every billing cycle2
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
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 and RBC Healthcare Advantage Pro provide fee waivers, preferred rates, and special benefits on personal and business banking for physicians and dentists.
RBC Healthcare Advantage (Personal Banking Only)
To unlock the benefits below, hold an RBC VIP Banking Account and an eligible RBC credit card:
- A monthly fee waiver on your RBC VIP Banking account
- An annual fee rebate on one eligible RBC credit card
- Prime minus 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 to maximize your savings
RBC Healthcare Advantage Pro Benefits (Personal + Business Banking)
Enjoy all the benefits of Healthcare Advantage benefits plus the business perks below by holding an eligible business account and RBC business credit card:
- Prime minus 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-free5,6. Withdrawals are tax-free and do not affect government benefits.
- A Registered Retirement Savings Plan (RRSP) is a tax-deferred6,7 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-free8,9. 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.10
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 growth6,7
- 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.
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
You will receive 45,000 welcome Avion points (“Welcome Points”) distributed as follows:
- 25,000 Avion points will appear on your monthly credit card statement within sixty (60) days after your application has been approved.
- 20,000 Avion points will appear on your monthly credit card statement within 60 days after your first purchase transaction posting date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date.
You will receive 20,000 Avion Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your monthly credit card statement approximately 60 days after the 3-month Period.
You will receive an additional 35,000 Avion points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your monthly credit card statement approximately 60 days after the 6-month Period.
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 amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date. For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 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 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.
For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions.
The Welcome Points, Bonus Points and the Additional Bonus Points will be awarded to your Credit Card Account, provided your Credit Card Account is open and in good standing at the time they are awarded to your account, “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.
Annual Fee waiver:
The primary business owner will be exempt from the annual fee for the first year. For clarity, any additional business owner(s) and cardholder(s) on the Credit Card Account are not eligible for the annual fee waiver.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Additional Bonus Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
The value of “up to $2,175” is calculated based on (i) the Annual fee waiver of $175 for the first year, and (ii) the maximum ticket price of $2,000 when you redeem 100,000 Avion points based on the Air Travel Redemption Schedule for a round trip long-haul flight from any major gateway in Canada or the U.S. to almost anywhere in Asia, Australia, New Zealand, South Pacific, Middle East, Africa and South America. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit Terms And Conditions - Avion Rewards or call 1-800 ROYAL 1-2 (1-800-769-2512).
To be eligible for the RBC Avion Visa Infinite Business credit card, you must meet one of the following minimum requirements. You must declare: (i) a minimum annual personal income of $60,000, a minimum annual household income of $100,000, a minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or more, or (ii) a current annual credit card spend of $30,000 or more. If you do not meet at least one of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Business credit card. For complete details on the features of the RBC Avion Visa Infinite Business credit card, please visit rbc.com/avib or call 1-855-852-2911. For complete details on the features of the RBC Avion Visa Business credit card, please visit rbc.com/businessavion or call 1-855-852-2911.
To qualify for the Personal Banking Promotional Offer, you must meet all the following criteria:
- Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
- Not have an existing Personal Banking Account with us;
- Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
- Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
- Open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9:00 PM Eastern Time November 2, 2026; and
- Complete two of the following criteria within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day:
- Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
- Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
- Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account
Provided you fulfill the above Personal Banking Qualifying Criteria, you will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB).
To qualify for the Investments Promotional Offer, you must fulfill the Personal Banking Qualifying Criteria above and the Investments Qualifying Criteria below:
- Be the primary account holder of an Eligible Investments Account within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day;
- Transfer-in or deposit Qualifying Net Contributions of:
- between C$25,000 to $49,999.99 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the iPad Air offer (Apple 11-inch iPad Air Wi-Fi 128GB), or
- at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the MacBook Air (Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD) or iPad Pro offer (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass); and
- Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms, visit rbc.com/ipadoffer.
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, 2028 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.
Assets in a TFSA must be Qualified Investments under the Income Tax Act. If the TFSA holds non-Qualified Investments, it could be subject to tax.
Provided you make Contributions in such amounts as are permitted under the Tax Act, excess contributions are taxable. It is your sole responsibility to ensure that the amount of Contributions is within the limits permitted under the Tax Act.
Assets in an RRSP must be Qualified Investments under the Income Tax Act. If the RRSP holds non-Qualified Investments, it could be subject to tax.
Assets in an First Home Savings Account (FHSA) must be Qualified Investments under the Income Tax Act. If the First Home Savings Account (FHSA) holds non-Qualified Investments, it could be subject to tax.
Pay no taxes on “qualifying withdrawals” made under the First Home Savings Account registered plan for “first-time home buyers” buying a “qualifying home”. Conditions for making a “qualifying withdrawal” must be satisfied at the time of making a withdrawal from your First Home Savings Account (FHSA), otherwise your withdrawal will be treated as a taxable withdrawal. For details see Canada Revenue Agency First Home Savings Account.
You may be eligible to open an First Home Savings Account (FHSA) if you or your spouse have never owned a home in which you lived at any time during the part of the calendar year before the account is opened or at any time in the preceding four calendar years.
Get up to 100,000 Avion points &
1st year fee waiver^ with the RBC Avion Visa Infinite Business Card* – a value of up to $2,175*
- Get 25,000 Avion points upon approval, and a first-year annual fee waiver^
- Plus 20,000 Avion points upon first purchase^
- Earn 20,000 Avion points when you spend $5,000 in the first 3 months^
- Earn 35,000 Avion points when you spend $15,000 in the first 6 months^.
See eligibility criteria◊. Offer ends November 30, 2026. Qualifying criteria and other conditions apply◊.
Business benefits you need! Personal perks you love.
The RBC® Avion® Visa Infinite Business‡ card is ideal for Physicians and Dentists like you. Earn Avion points and enjoy the built-in tools that help you simplify tax filing, streamline accounting, keep your business expenses organized, not to mention premium travel benefits. One card, designed to reward you and help you run your practice with ease.
Have more time to pay
- With a 21-day interest-free grace period, you’ll have up to 51 days to pay your invoices.1
Powerful reporting tools and card controls
- Streamline your business expense tracking and help manage your cash flow more efficiently.
- Set up and manage employees with specific, personalized spending controls and transaction limits.
- Access customized reports, card transaction data and even upload photos of your paper receipts.
Premium benefits & personal assistance
- Access premium travel insurances such as Trip Cancellation & Trip Interruption, Out-of-Province/Country Emergency Medical, Mobile Device Protection and more2.
- Plus, 1,200+ airport lounges worldwide, business concierge service and exclusive Visa‡ Infinite benefits to add a touch of luxury to your travels3.
Earn faster. Go farther.
- Earn 1.25 Avion points for every $1 spent in net purchases with your card, up to $75,000 per year4
- You can pay bills or redeem your Avion points for travel, merchandise, gift cards and more5
- See how quickly your points can add up when you use your card for all your business spending!
Great point flexibility
- Roll up points earned from your employees’ Avion credit cards into one account.6
- Combine points between your business and personal Avion credit cards.6
We can help guide you through the application process with personalized support.
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
This offer only applies to new applications for an RBC Avion Visa Infinite Business credit card received between August 25th, 2026 and November 30th, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the RBC Avion Visa Infinite Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing RBC Avion Visa Infinite Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to the RBC Avion Visa Infinite Business credit card as of the Offer Period, are not eligible for this offer.
You will receive 45,000 welcome Avion points (“Welcome Points”) distributed as follows:
- 25,000 Avion points will appear on your monthly credit card statement within sixty (60) days after your application has been approved.
- 20,000 Avion points will appear on your monthly credit card statement within 60 days after your first purchase transaction posting date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date.
You will be eligible to receive up to 55,000 bonus Avion points if you meet the conditions below:
You will receive 20,000 Avion Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your monthly credit card statement approximately 60 days after the 3-month Period.
You will receive an additional 35,000 Avion points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your monthly credit card statement approximately 60 days after the 6-month Period.
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 amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date. For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 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 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.
For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions.
The Welcome Points, Bonus Points and the Additional Bonus Points will be awarded to your Credit Card Account, provided your Credit Card Account is open and in good standing at the time they are awarded to your account, “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.
Annual Fee waiver:
The primary business owner will be exempt from the annual fee for the first year. For clarity, any additional business owner(s) and cardholder(s) on the Credit Card Account are not eligible for the annual fee waiver.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Additional Bonus Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
The value of “up to $2,175” is calculated based on (i) the Annual fee waiver of $175 for the first year, and (ii) the maximum ticket price of $2,000 when you redeem 100,000 Avion points based on the Air Travel Redemption Schedule for a round trip long-haul flight from any major gateway in Canada or the U.S. to almost anywhere in Asia, Australia, New Zealand, South Pacific, Middle East, Africa and South America. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit Terms And Conditions - Avion Rewards or call 1-800 ROYAL 1-2 (1-800-769-2512).
To be eligible for the RBC Avion Visa Infinite Business credit card, you must meet one of the following minimum requirements. You must declare: (i) a minimum annual personal income of $60,000, a minimum annual household income of $100,000, a minimum annual business sales revenue of $500,000, minimum assets under management of $250,000 or more, or (ii) a current annual credit card spend of $30,000 or more. If you do not meet at least one of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Business credit card. For complete details on the features of the RBC Avion Visa Infinite Business credit card, please visit rbc.com/avib or call 1-855-852-2911. For complete details on the features of the RBC Avion Visa Business credit card, please visit rbc.com/businessavion or call 1-855-852-2911.
To qualify for the Personal Banking Promotional Offer, you must meet all the following criteria:
- Be a resident of Canada, and by November 2, 2026 be of the age of majority in the province or territory in which you reside;
- Not have an existing Personal Banking Account with us;
- Never had a Personal Banking Account with us, nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period;
- Have a valid deliverable email address associated with your client profile with us by November 2, 2026;
- Open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9:00 PM Eastern Time November 2, 2026; and
- Complete two of the following criteria within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day:
- Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. RBC has the right to determine what is considered payroll
- Set up two (2) pre-authorized monthly payments (“PAPs”) from the Eligible Personal Banking Account
- Set up two (2) eligible bill payments to a service provider from your new Eligible Personal Banking Account
Provided you fulfill the above Personal Banking Qualifying Criteria, you will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB).
To qualify for the Investments Promotional Offer, you must fulfill the Personal Banking Qualifying Criteria above and the Investments Qualifying Criteria below:
- Be the primary account holder of an Eligible Investments Account within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day;
- Transfer-in or deposit Qualifying Net Contributions of:
- between C$25,000 to $49,999.99 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the iPad Air offer (Apple 11-inch iPad Air Wi-Fi 128GB), or
- at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts within 90 days of opening the Eligible Personal Banking Account and no later than by 9:00 PM Eastern Time on the 90th day to be eligible for the MacBook Air (Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD) or iPad Pro offer (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass); and
- Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms, visit rbc.com/ipadoffer.
All other trademarks are the property of their respective owner(s).
ADDITIONAL FEES:
- Cash Advance Fee: $3.50 in Canada and $5.00 outside of Canada
- Dishonoured Payment Fee: $45.00
- Overlimit Fee: $29.00
- Additional Copy Fee: $5 for a monthly statement, $1.50 for a monthly statement update at the ATM, $2 for a transaction receipt that does not relate to the current monthly statement.
- Foreign Currency Transaction Fee: Foreign currency transactions are converted to Canadian dollars at an exchange rate that is 2.5 % over a benchmark rate that Royal Bank of Canada pays on the date of the conversion.
The 21-day interest-free grace period represents the number of days between the last day of your monthly statement period and your payment due date. “51 days to pay your invoices” refers to the maximum number of interest-free days before you must pay your RBC Avion Visa Infinite Business credit card after a purchase is made (based on the 21-day interest-free grace period and a payment term of 30 days). To achieve the full 51 days to pay, you must use your RBC Avion Visa Infinite Business credit card to pay your invoices on the very last day of your 30-day payment term and the payment must be posted on the first day of your next monthly statement period.
Insurance coverages are underwritten by RBC Insurance Company of Canada except for Auto Rental Collision/Loss Damage Waiver Insurance, which is underwritten by Aviva General Insurance Company. All insurance is subject to terms, conditions, limitations and exclusions. Refer to the insurance certificates for complete details.
There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Avion Visa Infinite Business card. For complete details, go to; www.visainfinite.ca.
You will earn (i) 1.25 Avion points for every $1 in net purchases you charge to your credit card, up to a maximum of $75,000 in net purchases per Annual Period, and (ii) 1 Avion point for every $1 in net purchases you charge to your credit card in excess of $75,000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new RBC Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don’t necessarily align with the beginning and end of a calendar month. Avion points 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 points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit avionrewards.com/terms-and-conditions.
All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com/terms-and-conditions or call 1-800 ROYAL® 1-2 (1-800-769-2512).
Terms and conditions apply. For complete details, please visit: avionrewards.com/terms-and-conditions.
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
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Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
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Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
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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
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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 accounts 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 - RBC Avion Visa Platinum
For those who want to start travelling, no minimum income required to apply - 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