Plan Eligibility

• RBC Healthcare Advantage Plan: Eligible healthcare professionals can join the RBC Healthcare Advantage Plan by having (i) an RBC VIP Banking account and (ii) an 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.
• RBC Healthcare Advantage Pro Plan: Eligible healthcare professionals can join the RBC Healthcare Advantage Pro Plan by having: i) an RBC VIP Banking account, ii) an 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, and iii) either an RBC business deposit account and an eligible RBC Avion Visa Business, RBC Avion Visa Infinite Business, or a minimum of $25,000 in assets invested within any personal RBC investment product (such as mutual funds or GICs) or any personal account held at any of the following separate corporate entities affiliated with RBC: RBC Dominion Securities Inc., RBC Direct Investing Inc., RBC InvestEase Inc., RBC PH&N Investment Counsel Inc.,at all times during their membership. For further clarity, business investment accounts will not be eligible, the eligible investment account must be a personal account.

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.

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. 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)

Accounts opened from January 1, 2021 to June 30, 2021 using promo code HY132 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 between 0.11-0.32% will still apply to the ETFs held in our portfolios. 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.
RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.
Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.
The services provided by RBC InvestEase are only available in Canada.

Legal Disclaimer6)

RBC Healthcare Advantage Plan members will receive a 45 day free trial of the Full-Serve plan with Dr. Bill upon sign-up. No credit card is required to start your trial. Upon expiry of the 45 day free trial period, the discounted 1.5% service fee is available to RBC Healthcare Advantage Plan members who sign up for the Full-Serve 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/solutions. Dr. Bill is powered by RBC Medical Billing Inc., a subsidiary of Royal Bank of Canada.

Legal Disclaimer7)

The up to 45,000 RBC Reward 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 RBC Rewards 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 RBC Rewards 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) 15,000 RBC Rewards points if you have an RBC Avion Visa Platinum credit card or a RBC Avion Visa Infinite credit card, ii) 25,000 RBC Rewards points if you have an RBC Avion Visa Infinite Privilege credit card, or iii) 25,000 RBC Rewards 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 RBC Reward 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 bonus 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 RBC 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 RBC Rewards program, please visit: www.rbcrewards.com/#!/terms-and-conditions(opens new window) or call 1-800-769-2512.

Legal Disclaimer8)

For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.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 $5 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 August 31, 2021 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. 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 participate in this offer, you must be an RBC Healthcare Advantage or RBC Healthcare Advantage Pro member. Priority access within the first 6 months of registration (“Offer”) is available until February 12, 2022 at any Kids & Company location in Canada. While your first choice of location cannot be guaranteed, a transfer will be offered immediately upon availability. 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(opens new window)