(EN)Make Life Happen Your Way with a Medical/Dental RBC Royal Credit Line* for Students1 and Residents
There’s a lot ahead of you – a lot of possibility, promise, schooling, residency… and expenses. We can help – with solutions made for students and residents like you – starting with the medical/dental Royal Credit Line.
RBC Healthcare Advantage unlocks more benefits for medical and dental
students
- Medical/Dental Royal Credit Line at the preferred rate of Prime minus 0.25%2
- RBC VIP Banking account
- Get the $30 monthly fee waived7
- Eligible RBC credit card + Avion points
- Get an annual fee rebate of up to $120 when you sign up8
- Get up to 55,000 Avion points9 for an eligible RBC Avion Visa credit card - Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
- 35,000 Welcome points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months9. Apply by November 25, 2025
What You Need to Apply
Bring the following documents when you go into an RBC branch to meet an RBC Healthcare Specialist
Students:
-
Confirmation that you are enrolled at an eligible Canadian Medical or Dental
educational institution
The following can be used as confirmation of enrolment: - Invoice or receipt of payment for tuition
- Proof of enrolment letter from the Registrar’s Office
- Acceptance letter that includes proof of payment for tuition deposit
- Printout from the Registrar’s Office website
- A list of your financial resources (for example, RESPs, scholarships/bursaries, government funding, summer employment, etc.)
- An estimate of your education costs (including tuition, supplies, fees, accommodations, food, travel, etc.) Get started with our Student Budget Calculator
Residents:
- Letter of employment and/or enrolment confirmation from the residency hospital or the Canadian Medical Resident Program
Student Budget Calculator
Figure out how much money you may need to get through the school year.
Get StartedGet the Advice and Solutions
You Need to Focus on School
Meet with one of our 1,300+ RBC Healthcare Specialists across Canada or speak with your RBC advisor.
Connect with an RBC HealthcareSpecialist
You can also call our support line at: 1-833-395-8118
Legal Disclaimer*
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.
Legal Disclaimer†
Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
Legal Bug 1)
To be considered an eligible student, proof of enrolment in an eligible medical
or dental program at the post-secondary level, upon the completion of which
program the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental
Surgery (DDS), will be required.
Legal Bug 2)
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. ,
the Royal Bank Prime Rate was .
Legal Bug 3)
RBC Healthcare Advantage is available to eligible medical and dental students,
residents, and practicing professionals by having an RBC VIP Banking account and
an eligible credit card: RBC Avion Visa Platinum, RBC Avion Visa Infinite, RBC
Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards
Visa Preferred, or RBC British Airways Visa Infinite credit card, either as a
primary applicant or a co-applicant. For additional details on RBC Healthcare
Advantage, visit
rbc.com/healthcare.
Legal Bug 4)
Access to your total credit limit depends on how much credit you qualify for and accept. You will be given access to a portion of that total amount in each year of study over the course of your program, with additional funds (up to your total credit limit) made available to you each year when you provide proof of enrolment confirming that you have progressed to your next year of study. For additional information speak to an RBC Advisor.
Legal Bug 5)
Students studying in Canada with a Medical/Dental Royal Credit Line continue to have access to their line of credit after graduation as they do not go into repayment. Students studying outside of Canada who wish to have continued access to their Royal Credit Line will be required to reapply.
Legal Disclaimer6)
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.
Legal Disclaimer7)
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are in RBC Healthcare Advantage. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer in Healthcare Advantage. 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 in Healthcare Advantage.
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 and unlimited debit transactions. 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 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 and unlimited debit transactions. 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.
Legal Disclaimer8)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card and the RBC British Airways Visa Infinite, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, and WestJet RBC World Elite Mastercard.
Legal Disclaimer9)
This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 27, 2025” and “November 25, 2025” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible 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.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
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. Credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify 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 Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible 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.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
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. Credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify 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 Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.