Legal
Disclaimer*
To receive the 35,000 welcome Avion points (“Welcome Points”), your application
must be approved by us. The Welcome Points will appear on your first two credit
card statement after your application has been approved. Additional
cardholder(s), as well as existing cardholders of any RBC Royal Bank personal
credit cards, applying for or transferring to an RBC Avion Visa Infinite, RBC
Avion Visa Platinum, or RBC Avion Visa Infinite Privilege card as of the offer
eligibility period, are not eligible for this offer. This offer may not be
combined or used in conjunction with any other offer. Royal Bank of Canada
reserves the right to cancel, modify or withdraw this offer at any time. For
complete terms and conditions that apply to the Avion Rewards Program, please
visit
www.avionrewards.com or call
1-800-769-2512.
Legal
Bug #
To take advantage of this offer, you must be a resident of Canada and age of
majority by October 31, 2023 and you must not have an existing Personal Banking
Account with Royal Bank of Canada or any of its deposit taking subsidiaries at
the beginning of the “Promotional Period” on May 2, 2023, or in the prior five
year period, and otherwise comply with the terms of the offer. You will be
eligible to receive a complimentary Apple iPad (Apple 10th Generation Wi-Fi iPad
64GB, Model # MPQ03VC/A (Silver); MPQ13VC/A (Blue); MPQ23VC/A (Yellow);
MPQ33VC/A (Pink)), when you 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 9PM EST
October 31,
2023 and complete two of the following ”Qualifying Criteria” by 9PM EST January
9, 2024: set up two pre-authorized payments from the Eligible Personal Banking
Account; and/or one automated and recurring payroll or pension direct deposit to
the Eligible Personal Banking Account, and/or two eligible bill payments to a
service provider from the Eligible Personal Banking Account. RBC has the right
to determine what is considered payroll. 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 this offer at any
time without notice, even after acceptance by you. Other conditions apply. For
full details including defined terms visit
www.rbc.com/ipadoffer.
Legal Disclaimer1)
A $30 monthly fee for the RBC VIP Banking account will be
waived for the duration you are a Plan member. The $30 monthly fee will be
automatically charged based on your next monthly cycle if you are no longer a
Plan member. This offer shall not be combined with any other personal banking
account offer or promotion. Only one fee waiver per client, no matter how many
RBC VIP Banking accounts are opened, whether in sole or joint ownership. To
benefit from the fee waiver, all your eligible accounts with us must remain in
good standing and you must have an active RBC VIP Banking account and an
Eligible Credit Card that is active and in good standing at all times for the
duration that you are a member of the Plan.
RBC VIP Banking account comes with a choice of up to two additional Canadian
dollar deposit accounts, to be selected among the RBC Day to Day
Banking®, RBC Enhanced Savings® and RBC Day to Day
Savings® accounts, and one additional U.S. dollar deposit account,
limited to the U.S. Personal Account®, with the monthly fees waived.
Note: Due to system limitations all accounts must be opened by the client in the
same geographic location or region to be recognized for this bundling feature.
If you have questions, please speak to your branch.
Legal Disclaimer2)
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 (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, RBC Avion Visa Platinum,
RBC Rewards Visa Preferred, RBC British Airways Visa Infinite and WestJet RBC
World Elite Mastercard.
Legal Disclaimer3)
Prime–0.25% offer is available to Plan members. Interest
rate is compounded monthly, not in advance. Prime Rate means the variable annual
interest rate announced by Royal Bank of Canada from time to time as a reference
rate for determining interest rates on Canadian dollar commercial loans in
Canada. The Royal Credit Line rate quoted is subject to change based on changes
to the Royal Bank Prime Rate. The discounted rate is subject to change at any
time without notice. On , the Royal Bank Prime
Rate was .
Legal Disclaimer4)
Prime–0.25% offer is available to Plan members. RBC Homeline
Plan rate is an annual rate and is based on our Prime Rate - 0.250%. To view the
current RBC Prime Rate, please go to
www.rbcroyalbank.com/rates/prime.html.
Interest rate will change as our prime rate changes and without notice. On
, the Royal Bank Prime Rate was
. This offer is only available to
clients
approved for a line of credit under the RBC Homeline Plan and does not apply to
any
other credit line product offered by Royal Bank of Canada including but not
limited
to a credit line secured by real property that is not part of a RBC Homeline
Plan.
To benefit from the Prime Rate – 0.250%, your mortgage must remain in good
standing.
Legal Disclaimer5)
To take advantage of this offer you must not have held an
RBC InvestEase account prior to
January 1 2023.
This offer applies to your first RBC InvestEase account only. Accounts opened
from January 1 to
December 31 2023 using promo code
XA388 will not be charged the regular 0.5% management fee by RBC InvestEase for
24 months from the date of account opening. RBC InvestEase will notify clients
60 days in advance of any changes to the fees associated with their account as
set out in the investment management agreement. A weighted average management
expense ratio will still apply to the ETFs held in our portfolios. For further
information please refer to Pricing on
https://www.rbcinvestease.com/(opens
new window). This offer cannot be combined with any other
offers. RBC InvestEase Inc. reserves the right to amend or withdraw this offer
at any time without notice.
Legal Disclaimer6)
A discounted 1% service fee is available to RBC Healthcare
Advantage Plan members who sign up for the Comprehensive Plan. The service fee
(regularly 1.95%) is charged on all paid claims in a billing cycle. The discount
will be honoured for a minimum of 12 months from the date of subscription, and
may be extended at the sole option of RBC Medical Billing Inc. RBC Medical
Billing Inc., not Royal Bank of Canada, is responsible for the terms and
conditions associated with your product subscription. Only available in Ontario,
Alberta and British Columbia. For further details on Dr.Bill, visit
www.dr-bill.ca(opens to external
site). Dr.Bill is powered by RBC Medical Billing Inc., a
subsidiary of Royal Bank of Canada. Dr.Bill/RBC reserves the right to switch a
user back to standard pricing on all product plans when a user is no longer
eligible based on the above criteria. RBC confirms offer eligibility on a
monthly basis with Dr.Bill. There will be a 30 day pricing grace period for all
users that switch to standard pricing when no longer eligible for the
RBC/Dr.Bill discount.
Legal Disclaimer7)
The up to 45,000 Avion points offer (“45,000 Points Offer”)
are available for new RBC clients that become a member of the RBC Healthcare
Advantage Plan, and the up to 85,000 Avion points offer (“85,000 Points Offer”)
are available for new RBC clients that become a member of the RBC Healthcare
Advantage Pro Plan (together with the RBC Healthcare Advantage Plan, or each
individually, referred to as the “Plan”), and in each case will only be
fulfilled through the eligible Avion credit card product holdings you acquire
when you first join. The Avion points offers are comprised of Welcome Points and
Bonus Points. To receive Welcome Points and to be eligible to receive Bonus
Points for satisfying the program criteria, your application must be received
and approved by us within the time period set forth herein. You may be a primary
account holder or co-applicant and after enrolment you will receive on your
first monthly statement the following “Welcome Points”: i) 35,000 Avion points
if you have an RBC Avion Visa Platinum credit card or a RBC Avion Visa Infinite
credit card, ii) 35,000 Avion points if you have an RBC Avion Visa Infinite
Privilege credit card, or iii) 25,000 Avion points if you have an RBC Avion Visa
Infinite Business credit card. The remainder of the 45,000 Points Offer or the
85,000 Points Offer, as applicable, will be awarded after you have fulfilled the
additional criteria detailed below.
Bonus Points Criteria: The following criteria must be met to qualify for
additional Avion points (“Bonus Points”) for the 45,000 Points Offer or the
85,000 Points Offer, as applicable in accordance with your Plan: You must open
an eligible Avion credit card and complete the following activities within 3
months of joining the Plan; 1) you must complete one of the following 3 Personal
Deposit Account activities (set up recurring payroll, set up 1 pre-authorized
payment or set up one bill payment), and 2) you must activate your eligible
Avion credit card, and 3) you must log into the RBC Mobile app. You must not
have held the minimum product holdings required for the RBC Healthcare Advantage
Pro Plan within the past 12 months to receive the Bonus Points. This welcome and
bonus points offer is not available to existing or former RBC Avion Visa
Infinite Business primary cardholders applying for or transferring to an RBC
Avion Visa Infinite Business card, existing or former RBC Avion Visa Infinite
Business primary cardholders applying for or transferring to an RBC Avion Visa
Infinite card, and existing or former RBC Avion Visa Infinite primary
cardholders applying for or transferring to an RBC Avion Visa Infinite Privilege
card. This offer cannot be combined with any other banking offer. The Bonus
Points will appear on your Avion Rewards credit card account statement within
eight weeks from when all criteria have been met. For general redemption terms,
conditions and restrictions that apply to the Avion Rewards program, please
visit:
www.avionrewards.com/terms-and-conditions/(opens new window) or call 1-800-769-2512.
Legal Disclaimer9)
Monthly fee for the RBC Digital Choice Banking account will
be rebated for the duration client is a member of the Plan. The fee rebate will
be posted to your account within 10 business days following the posting of the
fee to your account. This offer shall not be combined with any other business
banking account offer or promotion. The monthly fee for the RBC Digital Choice
Banking account is $6 and will be applied after once a client in no longer a
Plan member. Only one fee rebate per client, no matter how many RBC Business
Banking accounts are opened, whether in sole or joint ownership. To benefit from
the fee rebate, all your accounts with us must remain in good standing during
the fee rebate period, and you must be a Healthcare Advantage Plan member. We
reserve the right, in our sole discretion, to revoke this offer to any person we
believe to be manipulating or otherwise abusing the process, fairness, integrity
or operation of the offer. Other conditions may apply. See branch for details.
This offer may be withdrawn at any time and is subject to change without notice.
Legal Disclaimer10)
To be exempt from the annual fee for one year, you must be a
Plan member and your application form must be received by December 31, 2023 and approved by us. The annual fee
rebate for one year is only offered to the first Primary Business Cardholder on
the account; additional Primary Business Cardholder(s) and Secondary Business
Cardholder(s) are not eligible for this offer. This offer may not be combined or
used in conjunction with any other offer. Royal Bank of Canada reserves the
right to cancel, modify or withdraw this offer at any time.
Legal Disclaimer11)
Prime-0.25% offer is only available to Healthcare Advantage
Pro plan members. Prime Rate means the variable annual interest rate announced
by Royal Bank of Canada from time to time as a reference rate for determining
interest rates on Canadian dollar commercial loans in Canada. The rate applying
to an RBC Business Term Loan or Royal Business Operating Line will change based
on changes to the Prime Rate. The RBC Business Term Loan and Royal Business
Operating Line of Credit is provided by Royal Bank of Canada and is subject to
its standard lending criteria. The offer may be changed, withdrawn or extended
at any time, without notice. On , the Royal
Bank Prime Rate was
.
Not available in combination with any other rate discounts, offers or
promotions.
Legal Disclaimer12)
Preferred rates are available to Plan members. Eligible fees
and costs, up to $5000 include: transfer out fees, account closure fees,
administration costs, trading costs (fees to sell equity, fixed income or other
securities excluding mutual funds). Costs not covered include Deferred Sales
Charges (DSC), tax liability of liquidating assets, mutual fund sell, short term
trading costs or any other fees or commissions that may be incurred on the
redemption of existing mutual funds.
Legal Disclaimer13)
To get a round trip short-haul flight to any adjoining
province/state in Canada or the U.S, you will need a total of 15,000 Avion
points, for a maximum ticket price of $350. To travel from Western Canada/U.S.
to Mexico, Hawaii, Alaska or from Eastern Canada to Bermuda, Central America,
Caribbean, you will need a total of 45,000 Avion points, for a maximum ticket
price of $900. Additional cardholder(s) are not eligible for this offer. All
applicable taxes, service fees and surcharges are the responsibility of the
traveller. For Air Travel Reward redemption details, visit
www.rbc.com/travelredemption(opens
new window) Some restrictions apply. For complete terms and
conditions that apply to the Avion Rewards program, please visit:
www.avionrewards.com(opens new
window) or call
1-800-769-2512. Royal Bank
of Canada reserves
the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer14)
Offer available June 1,
2023 to October 31, 2023 («
Promotional Period »)
The Promotional Offer is available to eligible students who, as of the start of
the Promotional Period, do not have a Royal Credit Line with Royal Bank of
Canada and who otherwise comply with the terms and conditions (the “Terms”)
provided herein. The Promotional Offer is: $500 for an eligible individual
enrolled in a 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). This Promotional Offer is not intended
for medical or dental residents, fellows or practicing professionals. Please
speak with an RBC advisor to confirm program eligibility based on your program
of study.
To qualify to receive the applicable benefit of this Promotional
Offer:
(i) you must be the Primary applicant for a Royal Credit Line for Medical and
Dental Students (“Medical/Dental RCL for Students”) (if your medical or dental
studies are in Canada), or for a Royal Credit Line for Students (“Student RCL”)
(if your medical or dental studies are outside Canada), with Royal Bank of
Canada;
(ii) you must start your Medical/Dental RCL for Students or Student RCL
application by 11:59pm EST on October 31, 2023;
(iii) your application must be approved and your Medical/Dental RCL for Students
or Student RCL activated by 11:59pm EST on
November 10, 2023.
Note: as part of your Medical/Dental RCL for Students or Student RCL
application, you must provide proof of enrolment in an eligible medical or
dental program described above.
This Promotional Offer is not available in respect of (i) Credit Limit Increases
on existing Medical/Dental RCL for Students or Student RCLs; (ii) Medical/Dental
RCL for Students or Student RCLs opened prior to the Promotional Period; (iii)
Medical/Dental RCL for Students or Student RCLs held by medical or dental
residents, fellows, or practicing professionals (iv) Medical/Dental RCL for
Students or Student RCLs held or opened by individuals enrolled in programs of
study other than an eligible medical or dental program (as described
above).
If you qualify to receive the benefit of this Promotional Offer, the amount you
qualify to receive, as applicable, will be deposited into your eligible RBC
Canadian dollar Personal Banking Account between two (2) and eight (8) weeks of
your Medical/Dental RCL for Students or Student RCL’s activation date. To
receive the amount for which you have qualified, you must have or open, and
maintain in good standing, an active Canadian dollar personal banking account
with Royal Bank of Canada. If you do not have such an account as of the date we
attempt to deposit the benefit of this Promotional Offer, you will forfeit this
amount and be deemed to have not qualified for the Promotional
Offer.
Only one Promotional Offer payment per client per activated Medical/Dental RCL
for Students or Student RCL. Promotional Offer and Medical/Dental RCL for
Students or Student RCL applications are subject to standard Royal Bank of
Canada lending criteria and other applicable restrictions.
Legal Disclaimer15)
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.