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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 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 7,500¹ and 30,000² Avion points for Travel Value of $175¹ or $700² 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.

7500¹ points is enough for a one-way flight within or to an adjacent province/state. 30,000² 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).

To be considered an eligible student for the purposes of the promotional offer described above, you must be enrolled in an eligible program of study at the post-secondary level at a college, university or other educational institution, as more particularly described in the terms and conditions for the relevant promotional offer. Proof of enrollment may be required. See also Legal Disclaimers * and 1 (above) for additional details regarding promotional offer eligibility based on programs of study.

RBC 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(opens in new window), and is subject to change at any time without notice. On October 30, 2025, the Royal Bank Prime Rate was 4.450

Not all rewards are available for all members.

For residents of Quebec, you can choose your credit limit up to the maximum credit limit allowed based on your program, and subject to RBC lending approval criteria.

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.