Royal Credit Line for Students Studying Abroad

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Royal Credit Line Promotional Offer Terms & Conditions
This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from March 2, 2026, to May 31, 2026, inclusive (the “Promotional Period”).
The Promotional Offer is available to eligible applicants for Royal Credit Line for Students, as well as Medical/Dental Royal Credit Line, who, at the start of the Promotional Period, do not have a Royal Credit Line (RCL) with Royal Bank of Canada, and who otherwise comply with the terms and conditions (the “Terms”) provided herein.
The Promotional Offer is:

• 7,500 Avion points for eligible students enrolled in a “General Program” or “Professional Program”, or
• 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”, “Medical or Dental Residents”, or “Medical or Dental Practicing Professionals”.

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. “Medical or Dental Program” means post-secondary level programs, upon the completion of which, the student will receive a Doctor of Medicine (M.D.) or Doctor of Dental Surgery (DDS). “Medical or Dental Residents” means newly graduated doctors or dentists undergoing postgraduate training as part of a residency program. “Medical or Dental Practicing Professionals” means graduated doctors and dentists who are licensed, registered, and are actively practicing medicine or dentistry. Please speak with an RBC advisor to confirm eligibility.
The Terms:
To qualify to receive the applicable benefit of this Promotional Offer:

• I. you must either be a student who is enrolled in an eligible General Program, Professional Program, Medical or Dental program, or a Medical or Dental resident or practicing professional as described above.
• II. you must be the primary applicant for an RCL with Royal Bank of Canada.
• III. you must start your RCL application by 11:59pm EST on May 31, 2026.
• IV. your application must be approved and activated by 11:59pm EST on June 14, 2026.
• V. your Line of Credit Account must be in good standing (for example, your Line of Credit Account must not be in a delinquent status) and open at the time the Avion points are awarded.
• VI. you must be an Avion Rewards member before June 14, 2026. To check your membership status or to join now and accept Terms and Conditions, please go to https://www.avionrewards.com/index.html and sign in with your Online Banking credentials.

Note: Eligible students, as part of their Student RCL, Medical/Dental RCL for Students application, may be required to provide proof of enrolment in an eligible General Program, Professional Program, or Medical/Dental program as applicable.
In addition to any other exclusions described in these terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing RCL’s; (ii) RCL’s that were opened prior to the Promotional Period; (iii) Student RCLs or Medical/Dental RCL for Students held by individuals who have already completed their studies (as applicable), even if their Student RCL or Medical/Dental RCL for Students remains open during or after the Promotional Period; (iv) Student RCLs or Medical/Dental RCL for Students held or opened by individuals enrolled in programs of study other than an eligible general, professional, or Medical or Dental programs (as described above).
If you qualify to receive the benefit of this Promotional Offer, the Avion points you qualify to receive, as applicable, will be deposited into your eligible Avion Rewards account within eight (8) weeks of the offer end date (May 31, 2026) (no action required from you). In order to receive the points for which you have qualified, you must be an Avion Rewards member at the time the points are awarded. If you are not an Avion Rewards member as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this benefit and be deemed to have not qualified for the Promotional Offer. For more information on eligibility visit https://www.avionrewards.com/eligibility.html.
Only one Promotional Offer payment per client per activated RCL. Promotional Offer and RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.
Other Terms and Conditions:
If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem 7,500^{Disclaimer 1} and 30,000^{Disclaimer 2} Avion points for Travel Value of $175^{Disclaimer 1} or $700^{Disclaimer 2} respectively, is based on the Air Travel Redemption Schedule. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. If you are not an RBC Avion Cardholder, different redemption rates apply. Avion points can also be redeemed for travel, gift certificates/cards, brand name merchandise, and more. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held. If you are an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder (“RBC Avion Cardholder”) you may redeem 7,500(^{Disclaimer 1} ) and 30,000(^{Disclaimer 2} ) Avion points for Travel Value of $175(^{Disclaimer 1} ) or $700(^{Disclaimer 2} ) respectively, is based on the Air Travel Redemption Schedule. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 7,500 Avion points for a one-way short-haul flight within or to an adjacent province/territory or within or to an adjacent U.S. State. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. If you are not an RBC Avion Cardholder, different redemption rates apply. Avion points can also be redeemed for travel, gift certificates/cards, brand name merchandise, and more. All rewards are subject to availability and may change without prior notice. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates. Redemption rates vary depending on the redemption category and products held.
Your points will be awarded to your Avion Rewards Core Account. Should you be an RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business, or RBC Avion Visa Business cardholder, in order to receive the best value for your points you will need to transfer them to your respective Credit Card points account 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). For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com.
7500^{Disclaimer 1} points is enough for a one-way flight within or to an adjacent province/state. 30,000^{Disclaimer 2} points is enough for two round-trip flights within or to an adjacent province/state. Please refer to the Avion Rewards Terms and Conditions for a list of eligible products and respective travel redemption rates.
Redemption rates vary depending on the redemption category. 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).

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All other trademarks are the property of their respective owner(s).

Prime Rate means the variable annual interest rate announced by us from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Student Royal Credit Line rate quoted is subject to change based on changes to the Royal Bank Prime Rate on the date of this offer. The interest rate discount on the Student Royal Credit Line is up to 0.25 % of the current prime rate. The discounted rate is subject to change at any time without notice.

Two Student Royal Credit line cheques may be written during each monthly cycle without charge. A $2.00 Royal Credit Line Cheque Fee applies to each cheque thereafter. Refer to your Student Royal Credit Line Agreement for details.

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RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates and Discounts: https://www.rbcroyalbank.com/accounts/advantage-banking-students.html (opens in new window) RBC Advantage Banking for students” in the document entitled “Addendum to April 30, 2020 Personal Deposit Accounts Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document.

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When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions (opens in a new window) available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.

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Earn 1 Avion point for every dollar in purchases you charge to your credit card.
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.
You even earn Avion points on pre-authorized payments.
Some service providers may not offer pre-authorized payments to a credit card. For more details, please visit www.rbc.com/cardscustomswitch (opens in new window) or call 1-866-299-5926

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Coverage underwritten by Aviva General Insurance Company.

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There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

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Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after theInterac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

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To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, every year, you must: i) complete the Student Information section of the credit card application form in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies.

Eligible Credit Cards:

• Signature^® RBC Rewards^® Visa^‡
• WestJet RBC^®Mastercard^‡

You will continue to benefit from the rebate on your annual fee until: i) you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever occurs earlier, as long as your credit card account remains in good standing. Thereafter, you will no longer receive the rebate on the annual fee.

If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

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RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates and Discounts: RBC Advantage Banking for students” in the document entitled “Addendum to April 30, 2020 Personal Deposit Accounts Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document.

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To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion.

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Avion points are earned on qualifying 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.

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All rewards are subject to availability. The regular redemption rate for Avion Rewards members, is 4,900 Avion points for $35 in Amazon.ca, iTunes, Starbucks, McCafe, Indigo or Cineplex gift cards (3,500 points for a $25 gift card + 1,400 points for a $10 gift card). Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visitwww.avionrewards.com(opens in new window) or call 1-800 ROYAL^® 1-2 (1-800-769-2512).