^® / ^TM

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. All other trademarks are the property of their respective owners.

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.

Royal Credit Line Promotional Offer Terms & Conditions

This Royal Credit Line Promotional Offer (the “Promotional Offer”) is available from Nov 2, 2026, to May 31, 2027, 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 for Students, who, as of the start of the Promotional Period, do not have, and have not applied for a Student 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”
• 15,000 Avion points for eligible students enrolled in a “Professional or Special Program”, or
• 30,000 Avion points for eligible students enrolled in a “Medical or Dental program”.

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional, Special, and Medical/Dental Programs. “Professional and Special Programs” mean 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.), Doctor of Dental Medicine (DMD), or Doctor of Dental Surgery (DDS). 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, or Medical or Dental program, 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, 2027.
• IV. your application must be approved and activated by 11:59pm EST on June 30, 2027.
• 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 30, 2027, and your Avion Rewards account must remain active and in good standing through to the date the Avion points are awarded. 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: This campaign is for students only. 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. Please note that newly graduated doctors and dentists undergoing postgraduate training as part of a residency program are ineligible for the offer.

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 account activation date (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 awarded per client (primary applicant only). Promotional Offer is not available for more than one 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:

The reward is stated in Avion points only. The cash equivalent value or redemption rate of Avion points is not fixed and varies depending on how you choose to redeem them.

Your Avion points will be awarded to your Avion Rewards Core Account. 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 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 (valued up to $175). 15,000 points is enough for two one-way flights within or to an adjacent province/state (valued up to $350). 30,000 points is enough for four one-way flights within or to an adjacent province/state (valued up to $700). In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account. All applicable taxes, service fees, and surcharges are the responsibility of the traveler. RBC Avion Cardholders are also eligible to redeem for first class and business class seats at a fixed redemption rate. For more details, including redemption rates and information on redeeming for first class and business class seats, visit: https://www.avionrewards.com/travel/index.html. In order to receive the best value for your points you will need to transfer them to your respective Credit Card points account. If you are not an RBC Avion Cardholder, different travel redemption rates apply.

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. If you think you are entitled to the Avion points and have not received them by Aug 31, 2027, you must notify us by calling 1-800-769-2512 no later than September 15, 2027. If you do not notify us by this date, you will be deemed to have forfeited the Promotional Offer and will be ineligible to receive the Avion points.

All Avion Rewards members can redeem Avion points for travel, gift certificates/cards, brand name merchandise, and other categories. 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.

RBC reserves the right to modify, cancel or withdraw this Promotional Offer at any time. This Promotional Offer may be revoked at any time if we suspect you or any other party may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined at our sole discretion.

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. October 30, 2025, the Royal Bank Prime Rate was 4.450%.

We will offer you a grace period of 24 months from the time you are no longer enrolled in accredited post secondary educational institution before you start repayment of principal during which time you may make payments of interest and fees only. During the grace period you can continue to borrow on your Account. After the repayment period begins you can no longer borrow on your Account.

Terms and conditions apply.

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