The CCS - RBC Healthcare Program includes
Benefits for Physicians and Residents
Full Fee Waiver of Standard RBC Private Banking Package: the standard $125 RBC Private Banking monthly fee will be waived each month1,3. After your second year, you must hold an eligible RBC credit card to continue to qualify for standard monthly fee waiver.
Exclusive to the CCS
RBC Avion Visa Infinite Privilege for Private Banking Credit Card: rebate of the standard annual fee for the first year5.
RBC Rewards points: earn 5x the points6 on eligible spend at CCS with the RBC Avion Visa Infinite Privilege for Private Banking or RBC Avion Visa Business credit cards. Valid until December 31, 2023.
Benefits for all CCS members
Exclusive to the CCS
RBC Avion Visa Infinite Credit Card: waiver on the standard annual fee for the first year8.
Kids & Company: get priority access to full-time or flexible part-time child care within six months of registration for Kids & Company and the $200 registration fee waived.14
Supporting you at every stage of your career
For Your Finances
Private Banking for Physicians and Residents
With the RBC Healthcare Advantage Private Banking Plan, our Private Banking team will work with you one-on-one, drawing on the full resources of RBC to implement a comprehensive wealth plan and provide sophisticated banking and credit solutions.
Benefit from the exclusive care and attention of your personalized team, including:
- A dedicated RBC Private Banker supported by a team of Private Banking associates and credit professionals
- Extended team of RBC Wealth Management experts providing specialized services including estate, trust, and tax planning
Additionally, if you are an RBC Avion® Visa Infinite Privilege for Private Banking credit cardholder, you will have access to exclusive RBC Concierge™ services and 24-hour priority client services2
Full Monthly Fee Waiver of Standard RBC Private Banking package of $125.3
Note: In order to qualify for the standard monthly fee waiver on your RBC Private Banking package, you must also hold an eligible RBC credit card. However, during the first two years this requirement will be waived. (Annual fee may be reduced or fully-rebated depending on eligible credit card type. Billed separately when applicable. See details below.)
Waiver of minimum asset eligibility requirement of $3 million net worth or $1 million in investable assets.4
Rebate of the annual fee for the first-year on a RBC Avion Visa Infinite Privilege for Private Banking credit card5.
Earn 5x the RBC Rewards points on eligible spend at CCS such as membership fees, meetings, donations and more with RBC Avion Visa Infinite Privilege for Private Banking Visa credit card or RBC Avion Visa Business credit card6. Valid until December 31, 2023.
RBC Avion Visa Infinite Credit Card
Make the most of your spending with the RBC Avion Visa Infinite credit card. Earn 1 RBC Rewards point for every $1 you spend, plus an extra 25% on eligible travel-related purchases.7
- 15,000 welcome RBC Rewards points8
- Save and earn RBC Rewards points faster with RBC Offers9
- Pay Credit Cards with Points option allows you to redeem your points to make a payment toward your credit card balance10
For Your Practice
RBC Practice Solutions
Now more than ever, you need turnkey digital solutions that can meet your practice's evolving needs. From virtual care services and patient management to billing and appointment scheduling, RBC Practice Solutions partners can help you focus on what you do best—practising medicine.
Deliver patients and staff to the right place, at the right time, with innovative, AI-powered software from CHIME.
- Use clinic space and staff more efficiently to reduce costs and increase capacity
- Automate patient waiting room communication and wayfinding
- Promote seamless interactions between staff, patients and doctors
Simplify your billing with OHIP-, MSP- and AHCIP-supported software from Dr. Bill.
- Add patients and submit claims in as little as 30 seconds
- Have rejections reviewed and resubmitted by a team of billing experts
- Get helpful billing support when you need it via chat, email or phone
Free up staff to focus on care with a convenient, easy-to-use patient communication tool from Mikata Health.
- Collect pre-appointment patient symptom information
- Send text message reminders with no-show prediction
- Leverage chat functionality to increase your team’s capacity
For Your Lifestyle
Kids & Company
Better balance your professional and personal commitments with guaranteed access to childcare services. Kids & Company offers flexible care options designed to support the needs of busy working professionals, including:
- High-quality, licensed care that provides all meals and snacks for your child, along with proprietary programs
- Back-up programs for last-minute childcare needs
- Canada coast to coast location access in most provinces
CCS members get priority access to full-time or flexible part-time care within six months of registration with Kids & Company and the $200 registration fee waived14 Available until February 12, 2022
Learn More About the RBC Healthcare Offers for CCS Members
To learn more or register for these offers, we will need the following information:
- Confirmation of your CCS membership. Please have your CCS membership number ready
- Confirmation of status as an existing RBC client (only applies to Practice Solutions and Kids & Company offers)
Terms and Conditions:
To benefit from the RBC Healthcare Advantage Private Banking Plan offers exclusively for members of the Canadian Cardiovascular Society (“CCS”), you must: a. (a) Be an active member of the Canadian Cardiovascular Society (CCS) NOTE: You may be required to present proof of your CCS membership, designation, and practicing status to an RBC Private Banker electronically or at an RBC Royal Bank branch. Thereafter, RBC will also validate your CCS membership on an ongoing basis, and you may be required to provide proof thereof upon request. b. (b) Be a practicing medical physician or medical resident in Canada. Academic/Allied Health/student members are not eligible. c. (c) Be an RBC Private Banking client whose eligible RBC products, as set out below, are active and in good standing at all times during their participation in any RBC Healthcare Advantage Private Banking Plan offer for members of the CCS; and (d) Be the sole owner or a joint owner of at least one of the following RBC Private Banking personal deposit accounts: RateLink Preference® Private Banking, Private Banking®, Private Banking Enhanced Savings, or Private Banking Savings (“Eligible Account”); and (e) Within the first year of opening an Eligible Account, complete one of the following transactions from that account: • Set up and complete 1 bill payment (one-time condition) • Set up and complete 1 recurring pre-authorized payment • Set up and complete recurring payroll NOTE: Except as described herein, standard RBC Private Banking eligibility requirements apply, which may include (but are not necessarily limited to) satisfactory credit checks and suitability reviews for the RBC Private Banking services. Should you become an RBC Private Banking client, standard fees and charges applicable to the RBC Private Banking solution (including the Monthly Fee) and to other RBC products and services you may hold will apply (subject to any promotional or other offers or discounts for which you may qualify, including those described herein for CCS members). For more information about RBC Private Banking, please visit https://privatebanking.rbcwealthmanagement.com/ d. (f) Have an eligible RBC personal credit card, either as a primary applicant or co-applicant, for as long as you remain an RBC Private Banking client. If you are a practising physician: An eligible RBC personal credit card is the RBC Avion Visa Infinite Privilege for Private Banking credit card. If you are currently enrolled in a medical residency program: Eligible RBC personal credit cards are the RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC British Airways Visa Infinite, or RBC Avion Visa Infinite Privilege for Private Banking cards. Standard eligibility criteria for each card type apply. NOTE: As a CCS member, the requirement to have an eligible RBC personal credit card is waived for up to two years from the date you first became or become an RBC Private Banking client. During any month thereafter, if you do not have an eligible RBC personal credit card, you will not benefit from the RBC Private Banking monthly fee waiver offer described herein, and the standard monthly fee applicable to your RBC Private Banking package will be charged.
You must be an RBC Avion Visa Infinite Privilege for Private Banking cardholder to take advantage of the RBC Concierge services, offers and benefits. RBC Concierge is provided by Ten Lifestyle Management Limited (“TEN”), not Royal Bank of Canada, and all services, offers and benefits made available through RBC Concierge are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at www.rbcconcierge.com(Opens in new window). TEN reserves the right to modify or cancel services, offers and benefits at any time and without notice. Royal Bank of Canada is not responsible for any claims or damages arising from the use of any services or benefits provided by TEN or a third party.
If you are an RBC Healthcare Advantage Private Banking Plan member, you will receive a fee waiver of $125 each month on the total monthly fee applicable to your RBC Private Banking package as long as you remain an RBC Healthcare Advantage Private Banking Plan member and you continue to meet the eligibility criteria applicable to the exclusive offer for members of CCS as set out above. You will cease to benefit from the above-described monthly fee waiver of $125 for CCS members should you cease or fail to meet any of the eligibility criteria. This offer shall not be combined with any other personal banking account offer or promotion, except to the extent permitted under the terms and conditions of such other offer or promotion, and may be amended or withdrawn at any time. Only one monthly fee waiver of $125 each month per client, no matter how many eligible RBC Private Banking accounts you may own, whether in sole or joint ownership. Additionally, to benefit from the $125 monthly fee waiver applicable to your RBC Private Banking package’s standard monthly fee, all your accounts with us must remain in good standing. NOTE: If you hold additional personal deposit accounts in excess of the four (4) RBC Private Banking personal deposit accounts included with the standard RBC Private Banking package, you will be charged the standard additional monthly fee applicable to each such additional account. RBC Private Banking entitles the individual designated under an RBC Private Banking arrangement as the “Household Head” to select one (1) Primary Private Banking Account, from any of: • RateLink Preference Private Banking; • Private Banking; • Private Banking Enhanced Savings; • Private Banking Savings; or U.S. Personal Private Banking; and up to three (3) eligible Personal or Business Deposit Accounts, from any of • RBC Day to Day Banking – PRI; • RBC Day to Day Savings – PRI; • RBC Enhanced Savings – PRI; • U.S. Personal Account – PRI; • Business Current Account (CAD); or • Business Current Account (USD) (Additional personal or business deposit accounts may be added for applicable monthly fees.)
This offer is for the waiver of RBC Private Banking’s standard eligibility requirement for RBC Private Banking clients to have a minimum net worth of $3 million or investable assets of $1,000,000. However, you may still be subject to other RBC Private Banking eligibility criteria, which may include (but are not necessarily limited to) satisfactory credit checks and suitability reviews for the RBC Private Banking services. Should you become an RBC Private Banking client, standard fees and charges applicable to other RBC products and services you may hold will apply (subject to any promotional or other offers or discounts for which you may qualify, including those described herein for CCS members). Offer may be amended or withdrawn at any time. For more information about RBC Private Banking, please visit https://privatebanking.rbcwealthmanagement.com/(Opens new window). For complete details regarding the RBC Private Banking solution, including the RBC Healthcare Advantage Private Banking plan, and the features and fees applicable to RBC Private Banking accounts, you can also request to speak to an RBC Private Banking representative by completing the registration form on this landing page. For complete details regarding the features and fees applicable to RBC bank accounts other than RBC Private Banking accounts, please consult the document entitled “Personal Deposit Accounts: Disclosures and Agreements” available online at: https://www.rbcroyalbank.com/onlinebanking/servicech/pdf/PDA_Account_Disclosure_Booklet.pdf or speak with an RBC Advisor by telephone.
Infinite Privilege for Private Banking Credit Card
Subject to credit approval and standard eligibility criteria. To be exempt from the $399 annual fee for one year, you must be a CCS member practising in Canada as a physician or medical resident who is an RBC Private Banking client, and your application for the RBC Avion Visa Infinite Privilege for Private Banking credit card must be approved by us. Additional cardholder(s) as well as existing RBC Avion Visa Infinite Privilege for Private Banking cardholders, applying for or transferring to an RBC Avion Visa Infinite Privilege for Private Banking credit card are not eligible for this offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
To be eligible for this offer, you must be a CCS member practising in Canada as a physician or medical resident and a RBC Private Banking client. You will earn five times (5X) the RBC Rewards points (“Bonus Points”) for every one dollar ($1.00) in net purchase transactions (including taxes) you make at the CCS or any of its affiliates, such as: (i) paying your initial or annual membership application fees, (ii) subscribing to the Canadian Journal of Cardiology, (iii) registering for any meeting organized by the CCS or its affiliates, including CCS’s National Congress event, (iv) paying your application fee to become a Fellow of the CCS, and (v) making a donation to the CCS Academy (each a “Qualifying Transaction”) between June 14th, 2021 and December 31st, 2023, inclusive (“Offer Period”) using your RBC Avion Visa Business or RBC Avion Visa Infinite Privilege for Private Banking credit card (“Eligible RBC Credit Card”). Other types of transactions may qualify as a “Qualifying Transaction”, in CCS’s or any of its affiliates’ sole discretion. For any questions regarding Qualifying Transactions, feel free to contact the CCS. Please allow up to ninety (90) days from the date of your Qualifying Transaction, provided your credit card account remains open and is in good standing at that time, for the Bonus Points to appear on your Eligible RBC Credit Card account statement. This offer may be combined or used in conjunction with other offer(s), but cannot be applied retroactively to Qualifying Transactions that were made prior to the Offer Period. Cancellations or price adjustments will cancel or reduce the RBC Rewards points earned on your Qualifying Transaction, including Bonus Points. The CCS (and/or its affiliates), not Royal Bank of Canada, is/are responsible for determining what constitutes a Qualifying Transaction, as well as for the terms and conditions applicable to the Qualifying Transactions, including cancellation and refund policies. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).
Avion Infinite Credit Card
You will earn 1.25 RBC Rewards points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa's “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 RBC Rewards points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, 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, please refer to the RBC Rewards Terms and Conditions at: https://www.rbcrewards.com/#!/terms-and-conditions.
To be exempt from the $120 annual fee for one year and to receive the 15,000 welcome RBC Rewards points (“welcome points”), your application must be approved by us. You must be a CCS member to qualify for this offer. Upon enrolment,15,000 welcome points will appear on your first monthly statement. Additional cardholder(s)’ fee is also waived for the first year but they are not eligible for the welcome points. Cardholders with existing RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, Cathay Pacific‡ Visa Platinum, British Airways‡ Visa Infinite, RBC Rewards Visa Preferred, RBC Rewards+ Visa, and RBC Avion Visa Infinite Privilege for Private Banking cards applying for or transferring to an RBC Avion Visa Infinite credit card are not eligible for this offer. If you do not meet the minimum income requirements for the RBC Avion Visa Infinite card or do not qualify for any other reason, Royal Bank of Canada may consider your application for the RBC Avion Visa Platinum card. You will receive the one-time annual fee waiver and the 15,000 welcome points if your application is approved for the RBC Avion Visa Platinum card, subject to these terms. This offer may not be combined or used in conjunction with any other RBC Avion Visa Infinite offer. Royal Bank of Canada reserves the right to withdraw or amend this offer at any time, without notice. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512.
The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800-769-2512.
Pay Credit Cards with Points redemptions will be applied as a payment towards the balance of the credit card account selected, not towards a particular transaction. Pay Credit Cards with Points redemptions cannot be converted into cash, cheque or any other form. Please note that it will take two (2) to three (3) business days for your payments to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions at: https://www.rbcrewards.com/#/terms-and-conditions
Practice Solutions Offers
Discount of 30% off any monthly subscription fee for the Chime workflow management product available to RBC clients who are CCS Members and subscribe by July 31, 2022. Discount will be honoured for a minimum of 12 months from the date of subscription, at the sole option of Chime. Discount will be applied at time of payment. No discount will be applied on the Chime’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 and product subscription. For further details on Chime services, visit www.chimeclinic.com.
Three-month free trial of the Full-Serve plan with Dr. Bill from the date of subscription (regularly 1.95% of paid claims per billing cycle) available until July 31, 2022 to CCS members who are also RBC clients. Only available in Ontario, Alberta and British Columbia. No credit card is required to start your trial. After free trial expiry, the service fee (1.95%) is charged on all paid claims in a billing cycle. RBC Medical Billing Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Dr. Bill, visit www.dr-bill.ca/solutions. Dr. Bill is powered by RBC Medical Billing Inc., a subsidiary of Royal Bank of Canada.
Discount of 30% off the Mikata Health Intelligent Clinic Ally Application monthly subscription fee (regularly $99) available until July 31, 2022 to CCS members who are also RBC clients. Discount will be applied at time of payment. Discount will be honored for a minimum of 12 months from the date of subscription, and may be extended, at the sole option of Mikata. Mikata Health Inc., not Royal Bank of Canada, is responsible for the terms and conditions associated with your product subscription. For further details on Mikata services, visit www.mikatahealth.com. All offers are non-transferable and may be modified or withdrawn at any time.
Priority access within the first 6 months of registration and $200 registration fee waiver offer are available until February 12, 2022 at any Kids & Company location. While your first choice of location cannot be guaranteed, a transfer will be offered immediately upon availability. To participate in this offer, you must be a CCS member who is also an RBC client. Kids & Company, not Royal Bank of Canada, is solely responsible for the terms and conditions applicable to this offer. For further details on Kids & Company services, visit https://kidsandcompany.com/.
If you believe that you have qualified for any offer described herein by meeting its applicable eligibility and qualification criteria but you have not received the benefit of that offer, you must promptly notify us by contacting your RBC Private Banker, or by speaking to an RBC Advisor through our Advice Centre or at an RBC Royal Bank branch. All offers may be modified or withdrawn at any time. For more information on how to become eligible for the RBC Healthcare Advantage plan, visit www.rbc.com/healthcare.