Newcomer Offers from Our Partners

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Offer Available to newcomers who are permanent residents, international students, or temporary resident workers who have arrived in Canada within the last 5 years, or RBC Student GIC clients. To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (“RBC Card”), or have enrolled in RBC Student GIC Program.

If your PhoneBox application is approved and you become a client of PhoneBox, Royal Bank of Canada (RBC) may receive one or more referral fee(s) from PhoneBox. RBC reserves the right to cancel this offer at any time for any reason at its complete discretion without notice. RBC Student GIC clients are not required to sign up for the PhoneBox offer in order to participate in the GIC program

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Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.

You must apply for the RBC Cash Back Mastercard by January 31, 2026, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits 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 cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 35 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms (PDF opens in new window). Offer applies to new RBC Cash Back Mastercard accounts only.

One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

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This offer is not transferable. To take advantage of this offer, you must link one of your eligible RBC Royal Bank debit or credit card(s) ** (“Eligible RBC card”) to your Moi card to earn one (1) extra Moi point for every $2 spent (“Bonus Points”) at any Metro or Food Basics. Minimum spend of $60, calculated on the final price of your purchases after taxes, required (“Qualifying Purchase”). This offer may not be combined or used in conjunction with any other offers, and cannot be applied retroactively to previous purchases. Offer only applicable for members who have linked their Moi Rewards card to an eligible RBC debit or credit card for first time. Members who unlink and link again multiple times are not eligible for this offer. Qualifying Purchase excludes gift cards, tobacco products, Western Union, lottery, transit tickets, gift card purchases, prescription, prescription services and other professional Pharmacy services. Some products are not available online. Subject to Metro eCommerce Terms and Conditions. Details at https://www.metro.ca/en (opens external site in new window). **For a list of eligible RBC debit and credit cards (“RBC cards”) and ineligible purchases of the Avion Rewards and Moi Linked Loyalty program, please refer to the complete terms and conditions available at https://linkedloyalty.avionrewards.com/moi/linked-loyalty-terms-en.pdf (PDF opens in new window). Metro Inc., not Royal Bank of Canada (“RBC"), is responsible for the sales, returns and terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it.

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Receive 1 extra More Rewards point for every $1 spent (2X the base earn More Rewards points). To receive your bonus More Rewards points, you must scan your More Rewards card, pay with your linked RBC card at participating More Rewards grocery partners such as Save-On-Foods, Buy-Low Foods, Quality Foods, Nesters Market, Urban Fare and PriceSmart Foods. For a full list of participating retailers visit www.morerewards.ca (opens external site in new window).

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Available to newcomers to Canada who are Eligible Personal Clients and do not have an existing credit card account with Royal Bank of Canada.

“Eligible Personal Client” means a client who meets all of the following conditions:

• Is a newcomer to Canada having arrived in Canada within the last five years of the date an Eligible Personal Banking Account is opened. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card;
• Is a resident of Canada and is of the age of majority in the province in which they reside as of the date that an Eligible Personal Banking Account is opened. Residence is determined by the jurisdiction (province or territory) where a person has their primary tax filing obligation based on their regular place of residence; and,
• Does not have an existing Personal Banking Account with us.

For full details, including defined terms, visit https://www.rbc.com/newcomers/_assets-custom/pdf/Terms-and-Conditions.pdf (PDF opens in new window).

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Currency conversion fees and service fees by an intermediary or receiving bank may apply. Individual limits may vary. Please refer to your RBC Online Banking or your RBC Mobile App.

Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest e-Savings account, or Foreign Currency Accounts.

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Your credit limit will be based on financially related information about you, including income. Offer available to RBC Newcomers who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income.

Legal Disclaimer1)

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 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 (PDF opens in new window).

Legal Disclaimer2)

By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions (PDF opens in new window)

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No endorsement of any third parties or their advice, opinions, information, products, or services is expressly given or implied by Royal Bank of Canada or its affiliates.

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Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

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To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

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To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card. Eligible RBC Debit Cards are debit cards tied to a personal banking or savings account or a business banking or savings account in good standing that is set up to pay for goods and services at a store or merchant that has point of sale or other designated debit card terminals that accept debit card payments. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions (opens to external site in new window)

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

Legal Disclaimer7)

Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $12.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, and offer expires October 31, 2026. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete terms and conditions (pdf opens in new window) that apply to this promotional offer. The monthly fee waiver for newcomers is offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC).

Legal Disclaimer8)

An RBC Royal Bank credit card with no credit history required is available to Newcomers who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.