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What is Pay with Points?

Use your points when, where and how you want to!

As an RBC Rewards member, you can use your RBC Rewards points where you need them most. Pay bills, pay down the balance on your credit card or make in-store purchases with an eligible wallet app (iOS, Android and Samsung Pay).

Payback with Points

Use your points to pay down your RBC Rewards credit card balance.

Sign in to RBC Rewards

Pay Bills with Points

With Pay Bills with Points, you could redeem your points to make a same-day bill-payment to any Canadian payee or credit card. Use RBC Royal Bank Online Banking as you normally do, to pay your phone bill, internet, hydro bills and more.

Sign in to RBC Online Banking

Payback with Points In-Store

With Payback with Points In-Store, you can now use an eligible wallet app (iOS, Android and Samsung Pay) to redeem your RBC Rewards points for purchases you make in stores.

Please note: With every purchase made through Payback with Points In-Store, at the time of purchase, the full purchase amount of the transaction will be charged to your credit card at first. For the portion of the points redemption, a credit will be applied to your credit card account within 2-3 business days from the date of your purchase.

iOS

Make sure you’ve downloaded the RBC Wallet app and sign in with your credentials. Enable push notifications. With 3 easy ways to redeem.

  • Sign into the RBC Wallet app. Select an RBC Rewards credit card and choose how many points you’d like to use towards your upcoming purchase. Select to Apple Pay and tap to complete your mobile purchase transaction in store.
  • Or, set it and forget it! Sign into the RBC Wallet app, select an RBC Rewards credit card, select the number of points you would like to redeem every time you purchase using your mobile device and set the auto-redeem toggle ON.
  • Alternatively, you can redeem points towards your last purchase made with Apple Pay by logging into the RBC Wallet app and selecting the transaction banner at the top.
Android
  • Make sure you’ve downloaded the RBC Wallet app and sign in with your credentials.
  • Choose an RBC Rewards credit card and tap to complete your mobile purchase transaction in store.
  • Select the points amount you’d like to use towards the purchase on the transaction completed page and select Use Points to redeem.
Samsung
  • Get started by selecting the Samsung Pay app icon or by swiping up from the bottom of your screen.
  • Select Pay with RBC Rewards Points and choose how many points you’d like to use towards your purchase.
  • Tap to pay and complete your mobile purchase transaction in store.

Not a Member?

Explore RBC Rewards Credit Cards.

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Not all RBC Rewards cards are eligible for these services. For details, visit the RBC Rewards Terms and Conditions.

* Terms and conditions apply.