Get more with your RBC credit card

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

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To take advantage of this offer, you must apply for the RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card online or inquire in-branch or at the Advice Centre by calling 1-800-769-2512. To receive 35,000 RBC Rewards points (or “welcome points”), your application for an RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card must be received by the date indicated on this landing page, and must be approved by Royal Bank of Canada. Upon enrolment, 35,000 welcome points will appear on your first monthly credit card statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite or RBC Avion Visa Platinum, Cathay Pacific Visa Platinum, British Airways Visa Infinite, RBC Rewards Visa Preferred, RBC Rewards+ Visa, RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking credit cardholders, applying for or transferring to an RBC Avion Visa Infinite credit card, RBC Avion Visa Infinite Privilege credit card or RBC Avion Visa Platinum credit card as of the start of the offer period on April 19, 2021, are not eligible for this offer. If you do not meet the minimum income requirements for the RBC Avion Visa Infinite or RBC Avion Visa Infinite Privilege card, you may be eligible to be approved for the RBC Avion Visa Platinum card through this offer. This offer may not be combined or used in conjunction with any other offer and may be amended or withdrawn without notice at any time, even after acceptance by you. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking.

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RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), 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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For any type of travel you book through RBC Rewards other than flights from the Air Travel Redemption Schedule, you may redeem RBC Rewards points at the rate of 1.0% (100 points per CAD $1.00) to pay for all or part of your booking, including associated taxes and fees. When you book a flight from the Air Travel Redemption Schedule, you may also decide to redeem RBC Rewards at the rate of 1% to pay for any taxes and service fees (including sales, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed. For complete terms, conditions and restrictions that apply to the RBC Rewards program, visit: www.rbcrewards.com.

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For full details on Visa Infinite Privilege, visit www.visainfinite.ca/privilege. You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege offers, benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Royal Bank of Canada is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers, benefits and services at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions. The Visa Infinite Privilege privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies.

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Bonus points are RBC Rewards points earned on qualifying purchases made at CWT Vacations and are in addition to the standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. Conditions and restrictions apply. For complete details, visit: https://www.rbcrewards.com/earn-points/index-na.html.

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All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-888-769-25811-888-769-2581.

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Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions

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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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

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Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

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Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

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Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates for complete details. Click here

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Coverage underwritten by RBC Insurance Company of Canada

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Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

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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.

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.

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To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for first class and business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

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RBC Rewards points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the RBC Rewards program or after you voluntarily close your RBC Royal Bank credit card account.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

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To receive the 15,000 Avios welcome bonus, your application form must be received and approved by Royal Bank of Canada. Please allow up to 10 weeks after receipt of your card for the 15,000 Avios to be posted to your British Airways Executive Club account. If you are not currently a member of the Executive Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite card. Please note that the address your Executive Club account membership is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your Executive Club account. The additional 25,000 Avios bonus will be awarded to you if a total of $5,000 CAD or more in qualifying purchases and pre-authorized bill payment transactions is posted to your RBC British Airways Visa Infinite account within the first 3 full monthly statement periods (approximately 3 months from the date your account is opened), provided your credit card account is in good standing at the time you reach $5,000 CAD in qualifying transactions. Qualifying transactions exclude cash advances (Balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. The 25,000 bonus Avios will be credited to your Executive Club account within 10 to 15 weeks after meeting the spending requirement. The additional 10,000 bonus Avios will be credited to your Executive Club account within 12-15 weeks after the one year anniversary of your account opening provided your credit card account remains active and in good standing. This welcome bonus is not available to existing or former RBC British Airways Visa Infinite primary cardholders applying for or transferring to an RBC British Airways Visa Infinite card. 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. This offer may not be combined or used in conjunction with any other offer. British Airways, not Royal Bank of Canada, is responsible for this offer and the British Airways Executive Club Programme. For all Executive Club Terms and Conditions, please visit ba.com/theclub

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Earn 2 Avios per $1 CAD spent on British Airways and British Airways Holidays and 1 Avios per $1 CAD spent on all other qualifying net purchases when you use your RBC British Airways Visa Infinite card. Avios are earned on qualifying net purchases only.

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Eligible Members who spend a minimum of $30,000 CAD in qualifying purchases on their Card in a calendar year (“calendar year” refers to the time period starting from 1 January through to 31 December) will receive a maximum of one Companion Award eVoucher for that calendar year they will be able to apply towards the purchase of a flight for a companion travelling with the Eligible Member, on the same Reward flight (“Companion Ticket”). Please note that qualifying purchases exclude 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 spend amount by the amounts originally charged. Please allow six (6) to eight (8) weeks for the Companion Award eVoucher to post to the British Airways Executive Club account after meeting the spending requirement. The Companion Award eVoucher entitles the Eligible Member to purchase a Companion Ticket at the time of booking a Reward flight, without having to pay for the price of the companion’s flight. Reservations and bookings for both the Reward flight of the Eligible Member and the Companion Ticket of the companion must be made at the same time, for the same flight, same date, in the same class, same cabin and on the same passenger name record (PNR) for travel on the same itinerary. Eligible Members will be responsible for paying, without limitation, the taxes, fees and carrier charges, related to the Companion Ticket. At time of publication, all Reward Flights and Companion Tickets are subject to taxes, fees, & carrier charges of approximately $600 per person based on return travel from Vancouver to London in economy class and approximately $1,000 per person based on business class travel. To make a booking, (including the Companion Ticket) Eligible Members must visit ba.com and log in using their membership number and PIN/Password. It is not possible to book a Reward flight or a Companion Ticket by contacting a travel agent, or at the airport. The Companion Award eVoucher may be used for flights operated by British Airways only. Travel on franchise, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time the outward journey is booked. All travel must originate in and return to Canada. A Companion Award eVoucher can only be used if and when the Eligible Member is booking a Reward flight using Avios points (i.e. cannot be booked using a combination of Avios points and cash or a charge to the Card) and cannot be combined with any other offer, promotion, mileage or frequent flyer programme. Full details of fare rules can be found on ba.com. All Reward flights and Companion Tickets are subject to availability and there is no guarantee the Eligible Member will be able to book a flight for a companion to the Eligible Member’s choice of flight and destination. The Companion Award eVoucher is only valid if it has been acquired in accordance with these Terms and Conditions. A Companion Award eVoucher is valid for twenty-four (24) months from the date it is issued and must be exchanged for a Companion Ticket with travel commencing from Canada before the expiry date on the eVoucher. Eligible Members must still have a Card in good standing at the time of travel. British Airways and/or Royal Bank of Canada reserve(s) the right to refuse to issue or to honor any Companion Ticket in the event that the Eligible Member is in breach of either these RBC British Airways Visa Infinite Companion Award eVoucher Terms and Conditions, their RBC Royal Bank Credit Card Agreement or Executive Club Terms and Conditions. The Companion Award eVoucher is not extendable, refundable, transferable, and has no cash or mileage value. At no time may the Companion Award eVoucher be purchased, sold, or bartered but if it is, any such eVoucher will become void. Companion Award eVouchers are applicable to new and future bookings only; they cannot be used to amend or pay for existing bookings. The Companion Ticket is subject to the Executive Club Terms and Conditions relating to Companion Award eVouchers. If the Eligible Member cancels the Companion Ticket booking more than twenty-four (24) hours prior to the scheduled departure of the outbound flight from Canada, British Airways will redeposit the Companion Award eVoucher which will only be valid for the remainder of its twenty-four (24) month expiry period based on original date of issue. Reward flight bookings and Companion Tickets cancelled within twenty-four (24) hours of departure will result in the Companion Ticket eVoucher and mileage being cancelled without any possibility of being reissued or credited to the Eligible Member. Please visit the full British Airways Executive Club Terms and Conditions found online at ba.com/theclub.

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10% off British Airways flights when you book on www.ba.com/RBC10 and pay with your RBC BA Visa Infinite card. In order to take part in the 10% promotion, RBC British Airways Visa Infinite cardholders must log in at www.ba.com/RBC10 using their Executive Club username and PIN and make a roundtrip booking now through 31 December, 2020 and enter the promotion code CARDOFFERC in the marked box on the Price Quote page of the booking process. A 10% discount is valid on the total roundtrip price, including taxes, fees and carrier charges on mainline flights operated by British Airways purchased now through 31 December, 2020 only. Outbound travel must commence by 31 December, 2020. A 10% discount will appear during the final payment page. Fares not purchased at www.ba.com/RBC10 do not qualify for discount. Discount is not valid for flights on code share or franchise carriers. All rules of roundtrip fare purchased apply, including advance purchase, minimum stay, weekend-add-ons, and cancellation/refund rules. Offer is non-transferable and cannot be combined with any other offer. Valid for new bookings only made by Canadian residents paying in CAD using a valid British Airways Visa card issued by Royal Bank of Canada for travel commencing from Canada to London and beyond. Discount is taken off the total roundtrip price of every ticket including taxes and fees on the same booking. 10% discount applies for up to eight passengers booked on the same British Airways booking for the same flights. Cardholder must travel to qualify for the 10% discount. Refunds from previously purchased fare types not permitted. The 10% discount not combinable with any other offer and is taken off valid, published fares only and is subject to availability. Offer is subject to British Airways fare rules and conditions of contract available on www.ba.com and may be limited or withdrawn at any time without advance notice. Other significant restrictions may apply. Newly enrolled Executive Club members, please allow 24 hours to use the promotion code. British Airways, not Royal Bank of Canada, is responsible for the terms and conditions of this offer and the British Airways Executive Club program.

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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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

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Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

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Under 65 years of age, 31 days of coverage. For age 65 and over, 7 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

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Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details.

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Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

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Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

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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.

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.

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To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

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You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, on a maximum of $6,000 in Grocery Store Purchases per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, on a maximum of $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of the $6,000 in Net Purchases (other than Grocery Store Purchases) during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are earned on Net Purchases only; it is not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back earned. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.

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Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms.

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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) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your 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. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

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Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

5

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details.

6

You are protected with Zero Liability protection, which means you are not liable for fraudulent charges provided you have taken reasonable precautions to protect your PIN and your card, as set out in your RBC Royal Bank Credit Card Agreement.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

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The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details. For complete terms and conditions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800-769-2512.

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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.

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.

9

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

You will earn i) $1.50 cash back for every $100.00 (1.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), up to a maximum of $25,000 per Annual Period, and ii) $1.00 cash back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), in excess of $25,000 during an Annual Period, unlimited. Provided your New Cash Back Balance is $25 or greater, Cash Back Credits earned during the Annual Period will i) automatically be credited to your January Account balance and appear on your February Account Statement, and/or ii) be credited at any other time, upon request. Cash Back Credits 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 cash back credits earned by the amounts originally charged. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms.

2

Mastercard Airport Experiences, provided by LoungeKey, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to LoungeKey Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating LoungeKey Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s LoungeKey membership. To view a full list of participating LoungeKey Airport Lounges, their facilities, opening times and restrictions, cardholders can visithttp://airport.mastercard.com By using this service, you agree to all of LoungeKey’s terms and conditions, including privacy and security policies available at http://airport.mastercard.com . These policies may be amended or updated at any time and without notice. RBC is not responsible for any claims or damages arising from the use of LoungeKey Airport Lounges. RBC is not responsible for this benefit. RBC reserves the right to modify or cancel this benefit at any time and without notice.

3

Unlimited means there is no maximum cash back credits you can earn on eligible purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbackterms .

4

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

5

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

6

As a cardholder with an eligible and valid World Elite Mastercard card, a complimentary Boingo Wi-Fi account is provided to you by Mastercard as a benefit (“Benefit”). As part of this Benefit, you are entitled to an unlimited Wi-Fi plan, which is limited to four (4) laptop, tablet, smartphone and/or other devices with embedded Wi-Fi technology (each, a “Device”) at a time. It is your responsibility to ensure your Device is compatible with this Benefit. To enjoy this Benefit, you need to first create an account at mastercard.boingo.com. You agree that use of Wi-Fi accessed through Boingo is at your own risk and by downloading the Boingo Wi-Finder App to find free access to Wi-Fi hotspots, you are giving Boingo permission to access your locations. Available hotspots in Boingo’s network are subject to change at any time. Visit http://wifi.boingo.com for a complete listing of hotspots. By enrolling for this Benefit, you agree to be bound by Boingo’s Terms and Conditions, and other terms and conditions, including Boingo’s privacy and security policies available at www.boingo.com, which may be amended at any time without notice to you. Any such amendment shall be effective upon publication online and you are responsible for regularly checking www.boingo.com for any such updates. This Benefit is offered by Mastercard and Royal Bank of Canada (“Royal Bank of Canada”) is not responsible for this Benefit and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. Mastercard reserves the right to modify or cancel this Benefit at any time and without notice.

7

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

8

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

9

Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed at www.mastercard.ca/worldelite

10

Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at www.traveloffers.mastercard.com. Offer eligibility requires spend in local currency and minimum spend requirements apply. Offers may be subject to change without notice.

11

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.

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.

12

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

To receive the 15,000 Asia Miles welcome offer, your application must be received and approved by Royal Bank of Canada. Please allow up to 8 weeks from the date of card issuance for the 15,000 Asia Miles to be credited to your Asia Miles account. A 10,000 Asia Miles will be awarded to you if a total of $6,000 CAD or more in qualifying purchases and pre-authorized bill payment transactions is posted to your RBC Cathay Pacific Visa Platinum account within the first 3 full monthly statement periods (approximately 3 months from the date your account is opened), provided your credit card account is in good standing at the time you reach $6,000 CAD in qualifying transactions. Qualifying transactions exclude cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. The 10,000 Asia Miles will be credited to your Asia Miles account within 8 weeks after meeting the spending requirement. An additional 10,000 Asia Miles will be credited to your Asia Miles account within 12-15 weeks after the one year anniversary of your account opening provided your credit card account remains active and in good standing. This welcome bonus is not available to existing or former RBC Cathay Pacific Visa Platinum primary cardholders applying for or transferring to an RBC Cathay Pacific Visa Platinum card. 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.This offer may not be combined or used in conjunction with any other offer.

2

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

3

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

4

“Local spend” means purchases charged to your account in Canadian dollars. Asia Miles are earned on qualifying net purchases in single receipt 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.

5

You will earn 1.25 Asia Miles for every 1 CAD dollar equivalent of purchases made in a foreign currency with your RBC Cathay Pacific Visa Platinum card. Asia Miles 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 Asia Miles earned by the amounts originally charged. Please allow 6 – 8 weeks for additional Asia Miles to be credited to your Asia Miles account. Royal Bank of Canada and Asia Miles Limited reserve the right to withdraw this offer at any time.

6

Asia Miles Terms and Conditions apply. For full details please visit www.asiamiles.com

7

You will earn 1 additional Asia Mile for every 1 CAD (for a total of 2 Asia Miles for every 1 CAD) when you use your RBC Cathay Pacific Visa Platinum card to purchase Cathay Pacific tickets online at cathaypacific.com/ca. The Double Asia Miles offer applies to the amount charged to your credit card in Canadian dollars only, not to Asia Miles redeemed for award redemption bookings. Additional Asia Miles will be credited directly to your Asia Miles account 6 – 8 weeks after ticket issuance. To benefit from this offer, you must be a member of the travelling party on the same booking and must log in using your own Marco Polo Club/Asia Miles membership number. Royal Bank of Canada and Cathay Pacific reserve the right to withdraw this offer at any time.

8

Under 65 years of age, 31 days of coverage. For age 65 and over, 7 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

9

Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details.

10

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

11

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your Welcome Kit for complete details or visit: https://www.rbcroyalbank.com/credit-cards/cardholders/documentation.html.

12

Cardholders can enjoy a 10% discount on all Hotel, Car Rental and Experience Awards made on travel.asiamiles.com. Hotel, Car Rental and Experience Awards are arranged by Asia Miles Travel Services Limited (Licence No.353953).

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

13

Up to CAD250 off (the “Discount”) eligible Cathay Pacific travel packages when you book and pay with your RBC Cathay Pacific Visa Platinum Card. In order to receive the Discount, RBC Cathay Pacific Visa Platinum cardholders must (i) visit cathaypacific.ca (ii) click ‘Book together and save’, and (iii) apply the promotional voucher code “CXRBCOFFER” (the “Code”) to eligible Cathay Pacific travel packages during the booking process now through 31 December, 2020.

The Code is applicable to eligible Business, Premium Economy, and Economy Class travel packages originating from Canada to Cathay Pacific destinations, as determined by Cathay Pacific Airways Limited ("Travel Packages").
Travel Packages must be booked and paid for on or before December 31, 2020 (“Validity Period”) and depart from Canada on or before December 31, 2021 (“Expiry Date”).
The Discount varies by Travel Package level: CAD250 off a Business Class Package, CAD150 off a Premium Economy Package, or CAD50 off an Economy Class Package.
The Discount is not valid for flight only bookings.
The Code cannot be claimed after you have confirmed your booking.
The Code cannot be redeemed against taxes, supplier fees, cancellation or change fees, administrative fees or other miscellaneous charges, which are the sole responsibility of the customer.
This Code has no cash value and cannot be redeemed or exchanged for cash. The Code may not be transferred or sold and will not be replaced if it is lost or stolen.
This offer cannot be combined with any other offer.
Codes obtained through unauthorized channels, mutilated, altered, copied, forged, damaged, manipulated, or tampered with in any way will be deemed void. The Code will not be accepted if the code number is invalid or does not match the code numbers on the Cathay Pacific system.
Cathay Pacific Airways Limited reserves the right to make final decisions and/or to withdraw (as applicable) on all matters relating to the Code. Royal Bank of Canada and Cathay Pacific Airways Limited shall have no liability for any website failure, coupon errors, any malfunction of computers, communications and facilities, any deficiencies of service and any loss or damage caused by email or other means.
The Code is issued by Cathay Pacific Airways Limited. Cathay Pacific Airways Limited, not Royal Bank of Canada, is responsible for the terms and conditions of this offer and the Asia Miles program.

14

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.

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.

15

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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1

The annual interest rate is based on our Prime Rate plus a fixed percentage rate of interest above Prime Rate that ranges between 4.99% and 8.99%. The fixed percentage rate of interest above Prime Rate will be determined based on the information you provide in your application and information we collect from other sources, including credit rating agencies, and is subject to change. We will give you at least 30 days written notice of any increase of your fixed percentage rate of interest above Prime Rate. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate then in effect for determining interest rates on Canadian dollar commercial loans in Canada. It can be found in branches and online at www.rbcroyalbank.com/rates Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the monthly statement period ending in that month, even if our Prime Rate has changed during the month.

2

Coverage underwritten by RBC Insurance Company of Canada.

3

Coverage underwritten by Aviva General Insurance Company.

4

Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and conditions. You will receive a Certificate of Insurance with complete details regarding the insurance coverage on your RBC RateAdvantage Visa card.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

5

Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC RateAdvantage Visa Agreement for more details.

6

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.

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.

7

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

2

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

3

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

4

You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa’s “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchants. RBC Rewards points are earned on net purchases only; they are not earned on cash advances (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.

5

Limited time offer must be fulfilled within 60 days from date of approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points (“Bonus Points”), for each listed offer (each a “Bonus Offer”) up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking, by visiting a branch or calling 1-800-769-2512.

6

RBC Canada, RBC Wallet, the RBC Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.

7

To bank with us means you must hold any of the following RBC bank accounts: RBC Day to Day Banking^®, RBC Advantage Banking^®, RBC Private Banking, RBC Signature No Limit Banking^®, RBC Advantage Banking account for students, RBC VIP Banking^®, US Personal Account^®, Ratelink Essential^®, Ratelink Preference^®, RBC Day to Day Savings^®, RBC Enhanced Savings^® or RBC High Interest eSavings^®. If you do not have an Eligible Account you may open one by going online at www.rbcroyalbank.com/products/
deposits/banking-accounts.html or by calling 1-800-769-25111-800-769-2511.

8

US Dollar accounts are not eligible for this Bonus Offer. Interac e-Transfers are free for all RBC personal chequing accounts. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account.

9

Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies.

10

All rewards are subject to availability. The regular redemption rate for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, iTunes, Starbucks, McCafe and Cineplex. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.com or call 1-800-769-25121-800-769-2512.

11

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

12

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.

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.

13

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

Exclusive of cash advances, interest charges, fees and less any credits, returns or adjustments.

2

All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512).

3

Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions

4

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

5

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

6

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

7

Upon enrolment, 2,500 bonus points will appear on your first credit card statement. This welcome bonus is not available to existing or former primary cardholders applying for or transferring to an RBC Rewards Visa Preferred card. 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.

8

Coverage underwritten by RBC Insurance Company of Canada.

9

Coverage underwritten by Aviva General Insurance Company.

10

Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

11

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.

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.

12

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

If you are a post secondary student and an owner or co-owner of an RBC Advantage Banking account for students (an “Eligible Student Bank Account”) and the primary cardholder of either the Signature^® RBC^® Rewards Visa^‡ credit card, RBC Visa Cash Back credit card or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

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	Annual Fee Rebate
Signature^® RBC Rewards^® Visa^‡	$39
Visa Cash Back Card	$19
WestJet RBC^® MasterCard^‡	$39

You will continue to benefit from the rebate on your annual fee: i) until 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 comes first. 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.

2

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary Signature RBC Rewards Visa cardholder, the $39 annual fee of your Signature RBC Rewards Visa card will be fully rebated, every year, as long as your eligible credit card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

3

RBC Rewards 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.

4

Bonus points are RBC Rewards points earned on purchases made at retailers linked from the RBC Rewards eMall and are in addition to standard RBC Rewards points you earn per dollar when you make a purchase with your RBC Rewards credit card. The list of participating retailers and offers is subject to change without notice. Participating retailers, not Royal Bank of Canada, establish the rules for each bonus points offer. For complete terms and conditions visit www.rbcrewards.com.

5

All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-25121-800-769-2512).

6

Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions

7

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

8

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

9

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

10

Coverage underwritten by RBC Insurance Company of Canada.

11

Coverage underwritten by Aviva General Insurance Company.

12

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

13

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.

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.

14

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

15

To receive 7,000 RBC Rewards points (or “welcome points”), your application must be received by the date indicated on this landing page, and it must be approved by us. Upon enrolment, 7,000 welcome points will appear within the first two billing cycles. Additional cardholder(s), as well as existing Signature RBC Rewards Visa cardholders, applying for or transferring to an Signature RBC Rewards Visa card as of the offer eligibility period, are not eligible for this offer. This offer is only eligible for the Signature RBC Rewards Visa card if you are approved through this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-25121-800-769-2512.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

2

All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC

3

All rewards are subject to availability. Point redemption values may fluctuate. Reward shipping (by basic prepaid delivery service), handling and taxes are included with your redemption. For complete terms, conditions and restrictions that apply to the RBC Rewards program, as well as for current point redemption values, please visit: http://www.rbcrewards.com or call 1-800 ROYAL® 1-2 (1-800-769-2512 1-800-769-2512).

4

Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions.

Rewards program please visit: https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-800-769-25121-800-769-2512.

5

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

6

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

7

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

8

Coverage underwritten by RBC Insurance Company of Canada.

9

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

10

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

11

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.

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.

12

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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1

Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details.

2

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

3

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

4

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

5

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.

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.

6

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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*

21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

To take advantage of this offer, you must apply for the RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card online or inquire in-branch or at the Advice Centre by calling 1-800-769-2512. To receive 35,000 RBC Rewards points (or “welcome points”), your application for an RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card must be received by the date indicated on this landing page, and must be approved by Royal Bank of Canada. Upon enrolment, 35,000 welcome points will appear on your first monthly credit card statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite or RBC Avion Visa Platinum, Cathay Pacific Visa Platinum, British Airways Visa Infinite, RBC Rewards Visa Preferred, RBC Rewards+ Visa, RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking credit cardholders, applying for or transferring to an RBC Avion Visa Infinite credit card, RBC Avion Visa Infinite Privilege credit card or RBC Avion Visa Platinum credit card as of the start of the offer period on April 19, 2021, are not eligible for this offer. If you do not meet the minimum income requirements for the RBC Avion Visa Infinite or RBC Avion Visa Infinite Privilege card, you may be eligible to be approved for the RBC Avion Visa Platinum card through this offer. This offer may not be combined or used in conjunction with any other offer and may be amended or withdrawn without notice at any time, even after acceptance by you. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking.

2

RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and certain bill payments, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

3

Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions

4

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

5

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

6

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

7

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates for complete details. Click here

8

Coverage underwritten by RBC Insurance Company of Canada

9

Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

12

You will earn 1.25 RBC Rewards points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa's “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 RBC Rewards points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the RBC Rewards Terms and Conditions at: https://www.rbcrewards.com/#!/terms-and-conditions

13

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.

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.

14

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

15

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for first class and business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

16

RBC Rewards points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the RBC Rewards program or after you voluntarily close your RBC Royal Bank credit card account.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

2

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

3

Coverage underwritten by Aviva General Insurance Company.

4

Coverage underwritten by RBC Insurance Company of Canada.

5

Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

6

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.

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.

7

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

To take advantage of this offer, you must apply for the RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card online or inquire in-branch or at the Advice Centre by calling 1-800-769-2512. To receive 35,000 RBC Rewards points (or “welcome points”), your application for an RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege or RBC Avion Visa Platinum credit card must be received by the date indicated on this landing page, and must be approved by Royal Bank of Canada. Upon enrolment, 35,000 welcome points will appear on your first monthly credit card statement. Additional cardholder(s), as well as existing RBC Avion Visa Infinite or RBC Avion Visa Platinum, Cathay Pacific Visa Platinum, British Airways Visa Infinite, RBC Rewards Visa Preferred, RBC Rewards+ Visa, RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking credit cardholders, applying for or transferring to an RBC Avion Visa Infinite credit card, RBC Avion Visa Infinite Privilege credit card or RBC Avion Visa Platinum credit card as of the start of the offer period on April 19, 2021, are not eligible for this offer. If you do not meet the minimum income requirements for the RBC Avion Visa Infinite or RBC Avion Visa Infinite Privilege card, you may be eligible to be approved for the RBC Avion Visa Platinum card through this offer. This offer may not be combined or used in conjunction with any other offer and may be amended or withdrawn without notice at any time, even after acceptance by you. For complete terms and conditions that apply to the RBC Rewards Program, please visit www.rbcrewards.com or call 1-800-769-2512. Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking.

2

RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

3

Subject to credit approval. If you are a Primary Business Cardholder on a RBC Avion Visa Business account (“Business Avion”) and you also are the primary cardholder on a personal RBC Avion Visa Platinum or RBC Avion Visa Infinite account (“Personal Avion”), the annual fee of either your Business Avion or Personal Avion card, at your choice, will be rebated from $120 to $50, every year, as long as you remain a Primary Business Cardholder on the Business Avion account and a primary cardholder on the Personal Avion account and both cards are in good standing. If you have more than one Personal Avion or Business Avion cards, the annual fee of that additional card will continue to be $50. No rebate will be applied retroactively, which means that depending on which card you want the rebate to be applied to, you may have to wait to your next annual renewal to benefit from the rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time.

4

All rewards are subject to availability. For complete terms, conditions and restrictions that apply to the RBC Rewards program please visit: https://www.rbcrewards.com/terms-and-conditions/index-na.html or call 1-800-769-25121-800-769-2512.

5

Please note that it will take two (2) to three (3) business days for your payment to be credited to your credit card account and to adjust your available credit. Redemptions are final and cannot be cancelled or reversed once submitted. For complete details, please consult the RBC Rewards Terms and Conditions

6

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. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

7

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

8

Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into RBC Rewards account. Authorized Users are excluded from earning RBC Rewards points bonus.

9

Coverage underwritten by RBC Insurance Company of Canada.

10

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

11

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.

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.

12

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

13

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for first class and business class seats, visit www.rbcroyalbank.com/cards/rbcrewards/avion_booking. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

14

RBC Rewards points will be forfeited if they remain unredeemed within twelve (12) months following the termination of the RBC Rewards program or after you voluntarily close your RBC Royal Bank credit card account.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1

Only available to residents of Canada. Once approved for the WestJet RBC Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 50 welcome WestJet dollars and $199 CAD round-trip companion voucher for travel in Canada and to/from the continental U.S. (the “Credit Card Companion Voucher”) to appear in your WestJet Rewards account, accessible at westjet.com/account. To be eligible for the additional 50 WestJet dollars (“Additional WestJet dollars”) you must apply for the WestJet RBC World Elite Mastercard between April 1 and June 30, 2021 and been approved by Royal Bank of Canada. The Additional WestJet dollars will be awarded to you if a total of $1,000 or more in qualifying net purchases and pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your WestJet RBC Mastercard account within the first 3 months of your account open date, provided your account is open and in good standing at the time you reach $1,000 in Qualifying Transactions. Please allow 4-6 weeks after this requirement is fulfilled for the Additional WestJet dollars to be awarded to your WestJet Rewards account. Qualifying Transactions exclude cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, fees, and any credits for returns or adjustments. The Additional WestJet dollars do not apply to product changes from another RBC credit card to the WestJet RBC Mastercard. The Credit Card Companion Voucher is offered to new WestJet RBC Mastercard cardholders, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use each annual Credit Card Companion Voucher once for a round-trip flight for travel in Canada and to/from the continental U.S. Applicable taxes, fees and other ATC charges on the Credit Card Companion Voucher must be paid at time of booking. Other terms and conditions apply. Visit westjet.com/creditcard-companion-voucher for complete details. Additional cardholders are not eligible for the welcome WestJet dollars, Additional WestJet dollars or Credit Card Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. RBC and WestJet reserve the right to modify, cancel or withdraw this offer at any time, even after acceptance by you. Terms and conditions of the Credit Card Companion Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

2

You will earn 1.0% back in WestJet dollars on your everyday purchases and 1.5% back when you purchase WestJet flights or WestJet Vacations packages. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

3

WestJet dollars can be used to pay for all or part of the published fare of a WestJet-marketed flight or a WestJet Vacations package. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. A minimum amount of 50 WestJet dollars must be redeemed at one time. Other restrictions may apply. All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. For complete details, please visit westjet.com/creditcard.

4

WestJet dollars directly earned from purchase transactions with WestJet or its partners, including by obtaining or using a WestJet RBC credit card, are defined as base rewards and do not expire due to the passage of time. WestJet dollars awarded through promotions, compensation, or limited-time promotional offers are bonus rewards and may expire according to terms or conditions of the individual promotion or initiative.

5

Within the Economy cabin, Member Exclusive Economy is discounted off Econo fare bundle. Within the Premium cabin, Member Exclusive Premium is discounted off Premium fare bundle. Within the Business cabin, Member Exclusive Business is discounted off Business fare bundle. Member Exclusive fares are not discounted off the following fare bundles: Basic, EconoFlex, PremiumFlex and BusinessFlex.

6

To participate in this offer, you must link your WestJet RBC Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your 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. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

7

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

8

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.

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.

9

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

10

Coverage underwritten by RBC Insurance Company of Canada.

11

Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

12

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

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21.99% if you reside in Quebec, effective the first day of your next statement period after August 1, 2021

1)

To participate in this offer, you must link your WestJet RBC World Elite Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your 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. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

2)

Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.

3)

Only available to residents of Canada. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the 250 welcome WestJet dollars plus the additional 100 WestJet dollars (“Additional WestJet dollars”) and round-trip companion voucher (the “World Elite Companion Voucher”) to appear in your WestJet Rewards account, accessible at westjet.com/account. To be eligible for the Additional WestJet dollars, you must apply for the WestJet RBC World Elite Mastercard between April 1 and June 30, 2021, be approved by Royal Bank of Canada (“RBC”) and make your first purchase within 3 months of your account open date. The Additional WestJet dollars do not apply to product changes from another RBC credit card to the WestJet RBC World Elite Mastercard. The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use their annual World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U.S. for $119 CAD; or B) round-trip flight to/from the rest of the WestJet network for $399 CAD. Applicable taxes, fees and other ATC charges on the World Elite Companion Voucher must be paid at time of booking. Additional cardholders are not eligible for the welcome WestJet dollars, Additional WestJet dollars or World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer, except as otherwise set out. RBC and WestJet reserve the right to modify, cancel or withdraw this offer at any time. Terms and conditions of the World Elite Companion Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time.

New primary cardholders who apply for the WestJet RBC World Elite Mastercard between February 24 and May 31, 2021, and who make their first purchase by June 30, 2021, may use their first World Elite Companion Voucher for a round-trip Economy flight within Canada or, to/from the U.S. (including Hawaii), Mexico, Central America, and the Caribbean for $0 base fare. Taxes, fees and other ATC charges will apply. The $0 base fare companion voucher offer is valid on new bookings only, for bookings up to one year from the date of issue of the companion voucher. Other terms and conditions apply. Visit westjet.com/companion-voucher for complete details on the World Elite Companion Voucher and westjet.com/companionoffer for full details of the $0 base fare companion voucher offer.

4)

You will earn up to 1.5% back in WestJet dollars on your everyday purchases and up to 2.0% back when you purchase WestJet flights or WestJet Vacations packages, depending on the card you choose. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases, however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.

5)

Valid for primary cardholders of the WestJet RBC World Elite MasterCard and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10+ guests on the same reservation). Eligible member’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet’s code-share or interline partners. Size and weight of baggage must comply with WestJet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees. More details . May only be used as described and has no monetary or other exchange value.

6)

WestJet dollars can be used towards payment of the base fare of an eligible flight or vacation package, available on www.westjet.com or through WestJet’s contact centre. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules apply when purchasing Economy, Premium or Business fares; the entire base fare must be paid with WestJet dollars when purchasing a Member Exclusive fare. A minimum redemption amount of 50 WestJet dollars per booking applies for WestJet Vacations package bookings. Other restrictions may apply and are subject to change at any time. All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards.

7)

Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

8)

Please refer to the insurance certificate for complete details. Trip Interruption Insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000 when the covered reason occurs during your trip. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC World Elite Mastercard and/or WestJet dollars, due to a covered risk, including the extra costs of economy class transportation to your departure point. Coverage underwritten by RBC Insurance Company of Canada.

9)

Coverage underwritten by Aviva General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

10)

Coverage underwritten by Aviva General Insurance Company.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online in Credit Card Documentation.

11)

Available in-flight on aircraft where WestJet Connect is available. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

12)

Mastercard Airport Experiences, provided by LoungeKey, are being provided as a benefit to cardholders with eligible and valid World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to LoungeKey Airport Lounges (as long as they remain a World Elite Mastercard cardholder). Access to participating LoungeKey Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to cardholder’s LoungeKey membership. To view a full list of participating LoungeKey Airport Lounges, their facilities, opening times and restrictions cardholders can visit http://airport.mastercard.com. By using this service, you agree to all LoungeKey’s terms and conditions, including privacy and security policies available at http://airport.mastercard.com. These policies may be amended and/or updated at any time and without notice. RBC is not responsible for any claims or damages arising from use of LoungeKey Airport Lounges. RBC is not responsible for this benefit. RBC reserves the right to modify or cancel this benefit at any time and without notice.

13)

Mastercard Travel Rewards is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are available for a limited time and subject to partner terms and conditions, detailed at www.traveloffers.mastercard.com. Offer eligibility requires spend in local currency and minimum spend requirements apply. Offers may be subject to change without notice.

14)

Mastercard On-Demand Apps and Subscription Services is provided by Mastercard as a benefit to cardholders of eligible World Elite Mastercard credit cards. Mastercard, not Royal Bank of Canada, is responsible for this benefit. Offers are subject to terms and conditions and may be subject to change without notice, detailed on at www.mastercard.ca/worldelite

15)

Within the Economy cabin, Member Exclusive Economy is discounted off Econo fare bundle. Within the Premium cabin, Member Exclusive Premium is discounted off Premium fare bundle. Within the Business cabin, Member Exclusive Business is discounted off Business fare bundle. Member Exclusive fares are not discounted off the following fare bundles: Basic, EconoFlex, PremiumFlex and BusinessFlex.

16)

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.

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.

17)

To "redeem" means to use your Be Well points to pay, or partially pay, for eligible purchases by using your Be Well card at the point of sale in participating Rexall stores following the instructions provided by the cashier, the point-of-sale terminal or other payment processing device. You can redeem the Be Well points you collect for eligible purchases, see Section 5 of the Be Well Terms and Conditions (available at https://www.letsbewell.ca/terms-conditions), or for any other purposes of which we may advise you from time to time.

You must have enrolled in the Be Well program and have registered your Be Well card, or otherwise have called customer service, in order to redeem Be Well points. Any Be Well points collected on a Be Well card will remain the property of the Be Well Administrator until the enrolment and registration process has been completed.

You must redeem a minimum of 25,000 Be Well points at any one time, which are worth $10. Be Well points may be redeemed in increments of $10 up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed on prescriptions. The laws in each province and territory may change from time to time and you are advised to consult with your pharmacist for additional information in this respect.

Be Well points you collect upon making a purchase cannot be redeemed for that purchase and can only be redeemed for a subsequent eligible purchase provided 12 hours have passed since the Be Well points were collected.

18)

Eligible new WestJet RBC World Elite Mastercard primary cardholders applying between February 24 and June 30, 2021 who are approved will get a $0 base fare (plus taxes fees and other ATC charges) companion voucher for a guest travelling with them on Economy fare flights within Canada, to the U.S., Mexico and the Caribbean for travel up to one year from date of issue (“Offer”). Taxes, fees and other ATC charges apply. Eligible primary cardholders for this Offer must be new WestJet RBC World Elite Mastercard cardholders, who applied between February 24 – June 30, 2021 and were approved and make their first purchase by July 31, 2021. Valid for new bookings only. Not valid on existing reservations or third-party online booking websites. Valid for one (1) round-trip for a companion of the primary cardholder flying on a full base fare, travelling on the same itinerary. Must book and purchase primary cardholder’s and companion’s travel at the same time. The same fare type must be booked. If one-way travel is booked, the voucher will be deemed fully used and the return portion of travel is forfeited. Maximum one companion voucher may be used per booking. Bookings made on westjet.com (opens to external site) must originate from Canada and will be charged in Canadian dollars only. Bookings originating from outside Canada must be made through WestJet’s contact centre; reservations will be charged in either Canadian dollars or an available currency offered by WestJet at time of booking (e.g. USD, etc.). Primary cardholder may use the promotional companion voucher only once on their choice of either: Roundtrip travel in Canada and the continental U.S. for $0 base fare (plus taxes, fees and other ATC charges apply) where Offer terms and conditions met (regularly $119 CAD base fare). Roundtrip travel to/from Mexico, Central America, the Caribbean and Hawaii for $0 base fare (plus taxes, fees and other ATC charges apply) where Offer terms and conditions met (regularly $399 CAD base fare).

Total pricing, taxes, fees and other ATC charges varies based on itinerary booked. Promotional companion voucher valid on all published Basic, Econo and EconoFlex fares wholly marketed and operated by WestJet, including seat sales. Not valid on Premium, PremiumFlex, Business, BusinessFlex or Member Exclusive fares, nor combinable with a discount code. Not valid with group discounts and/or WestJet Vacations bookings. Booking must be made within one year from date of issue of promotional World Elite companion voucher; travel may occur after the voucher expiry date subject to flight schedule availability at the time of booking. Valid for travel until the end of the available flight schedule with no blackout periods. If a booking is for routes or fares not specified (that is, outside of Canada, U.S., Mexico or the Caribbean), the promotional companion voucher base fare discount will not apply; instead the World Elite companion voucher fare remains at the regular cost of $119 or $399 depending on the destination and fare class, plus taxes, fees and other ATC charges. If one flight of the itinerary is an Economy fare (Base, Econo or EconoFlex) and the other is a Premium fare, the guest will pay $0 for the base fare of the Economy fare flight and 50% of the companion voucher base fare for the Premium flight. For example, if the outbound flight is an Economy fare and the return flight is a Premium fare, 50% ($59.50 or $199.50) of the applicable companion voucher base fare cost will be charged on the Premium flight (no base fare will be charged for the Economy flight). If one flight of the itinerary is an Economy fare and the other is a Business fare, the guest will pay $0 for the base fare for the Economy flight and full cost of the Business fare as it is not eligible for a companion voucher. Voucher may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations to World Elite companion voucher bookings are allowed, except when a Basic fare has been purchased, which is a 100% non-refundable fare with no change options allowed. Bookings may be changed or cancelled online via Manage Trips. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of travel funds. Changes must be made prior to the expiry date of the voucher used for the booking for the voucher to be valid. Guests are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare on the regular ticket, if applicable. Taxes, fees, other ATC charges and any base fare paid for the World Elite companion voucher are not eligible for WestJet dollars accrual. This Offer cannot be combined with any other promotional offer. Seasonal start and end dates may apply to some routes. Certain fare types may be excluded. Unused vouchers will automatically be cancelled on the date your WestJet RBC World Elite Mastercard account is closed. Offer is subject to change at any time. All other WestJet companion voucher terms and conditions remain in effect. For full details for the WestJet RBC World Elite Mastercard companion voucher, click here(opens to external site). Terms and conditions of this voucher are subject to the Program Terms and Conditions(opens to external site) at the time of redemption.

19)

WestJet dollars directly earned from purchase transactions with WestJet or its partners, including by obtaining or using a WestJet RBC credit card, are defined as base rewards and do not expire due to the passage of time. WestJet dollars awarded through promotions, compensation, or limited-time promotional offers are bonus rewards and may expire according to terms or conditions of the individual promotion or initiative.

20)

Terms and conditions for exchanging a World Elite companion voucher: Applicable to WestJet RBC World Elite Mastercard primary cardholders with a valid Annual World Elite round-trip companion voucher (“World Elite companion voucher”), deposited into your account 4 – 6 weeks after your first purchase transaction date and 30 days after your credit card renewal date each year thereafter. All requests to exchange a World Elite companion voucher for Lounge vouchers must be submitted at westjet.com/lounge-exchange. All requests to exchange a World Elite companion voucher must be submitted a minimum of 4 days prior to the cardholder’s planned date of travel and prior to the expiry of the companion voucher. Cardholders will be able to view the lounge vouchers and their expiry date(s) within the Vouchers section of their account. These vouchers will be identified as: Lounge Access – RBC. Lounge vouchers will have the same expiry date as the World Elite companion voucher used for the exchange. Lounge vouchers must be redeemed prior to the expiry date. If you have multiple World Elite companion vouchers, the first to expire will be the first one exchanged. Sign in to see available vouchers at westjet.com. There is no limit on the number of World Elite lounge vouchers that may be exchanged. If a lounge voucher expires after a cardholder has exchanged a World Elite companion voucher but before the lounge voucher has been redeemed, the lounge voucher(s) will not be valid. Once a cardholder has requested an exchange of a World Elite companion voucher for (4) lounge vouchers, the request will be considered final and cannot be cancelled or reversed. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada and WestJet reserve the right to withdraw this offer at any time, even after acceptance by you. Terms and conditions of the lounge voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program and the terms of the WestJet Rewards Program. Terms and conditions for using a lounge voucher: Lounge access - RBC vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. Guests/companions may only use lounge vouchers when accompanied by the primary cardholder and taking a same-day WestJet flight from the same airport. If the primary cardholder already has access to WestJet partner lounges through Platinum, Gold or Silver status, Lounge access - RBC vouchers may be used for additional guests/companions accompanying them. Lounge vouchers and expiry dates will be available when you sign in to your account at westjet.com. Lounge vouchers are valid at WestJet partner airport lounges only, up to three hours before flight departure. Visit westjet.com/lounges for a current list of lounges. A valid boarding pass displaying the primary cardholder’s WestJet Rewards ID and a WestJet flight number for a departing flight must be presented at time of lounge entry: a printed voucher is not required for redemption. Lounge vouchers are valid when travelling on WestJet-marketed flights only (identified by a WS carrier code preceding the flight number); not valid when travelling on partner-marketed itineraries. Cardholders will be able to view the lounge vouchers and their expiry date(s) within the Vouchers section of their account. These vouchers will be identified as: Lounge Access – RBC. Unused World Elite companion vouchers and lounge vouchers will automatically be cancelled on the date your WestJet RBC World Elite Mastercard account is closed. Voucher may only be used as described, has no monetary or other exchange value and is non-transferable. Terms and conditions of this benefit are subject to the WestJet Rewards Program Terms and Conditions at the time of redemption. WestJet is solely responsible for the terms of the WestJet Rewards Program.

21)

Get 2x the WestJet dollars earn rate for every $1 spent (an additional 1.5% bonus) (“Bonus Offer”) on all purchases at eligible grocery and restaurant merchants (including eligible food delivery services) in Canada (“Eligible Merchants”), when using your WestJet RBC World Elite Mastercard to pay within the first 3 months of your credit card account open date. All WestJet RBC World Elite Mastercard cardholders who applied and were approved for the card between April 1 – June 30, 2021 are eligible to earn the Bonus Offer subject to these terms and conditions. The Bonus Offer is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases on your credit card. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged. The WestJet dollars will be deposited into your WestJet Rewards account on a monthly basis, up to 6-8 weeks after eligible purchases are made. Account must be open and in good standing at the time the Bonus Offer is awarded. For full WestJet dollars terms and conditions visit: westjet.com/rewards.

Eligible Merchants
You can earn the Bonus Offer on purchases at:

a) Eligible Grocery Merchants in Canada: Eligible grocery merchants are classified under Mastercard merchant category codes (“MCCs”) 5331, 5411, 5441, 5451, 5462, 5499 and includes Real Canadian Super Store, Sobeys, Safeway, Save-on-Foods, Metro, Loblaws, IGA, Food Basics Canada, Fortinos, Freshco, Maxi, No Frills, Provigo, Super C, T & T Supermarket, and Zehrs. Purchases at grocery merchants whose primary business is not grocery sales (including wholesale clubs, alcohol retailers, and general merchandise retailers) do not qualify for the Bonus Offer in this category.

b) Eligible Restaurant Merchants in Canada: Eligible restaurant merchants are classified under MCCs 5812 and 5814 and include Boston Pizza, Cactus Club Café, Denny’s, Earls, East Side Mario’s, IHOP, Milestones Grill & Bar, Montana’s Cookhouse, Moxie’s, Nando’s, Olive Garden, Red Lobster, Red Robin, St. Hubert, Swiss Chalet, The Keg, White Spot and many fast food outlets: A&W, Burger King, Dairy Queen, Domino’s Pizza, Harvey’s, KFC, Little Caesar’s Pizza, McDonald’s, Panago, Pizza Hut, Pizza Nova, Pizza, Popeye’s, Starbuck’s, Subway, Tim Horton’s, and Wendy’s. It also includes food delivery services under these MCCs including Uber Eats, Skip the Dishes and DoorDash. Purchases at restaurant merchants whose primary business is not food sales (including bars, taverns, cocktail lounges, and nightclubs) do not qualify for the Bonus Offer in this category. The Bonus Offer is not applicable on purchases in other categories. Eligible Merchants may be subject to change if their MCCs change and the above list of Eligible Merchants is not exhaustive. Purchases made through a third-party or on an online marketplace (with multiple retailers), with the exception of eligible food delivery services, will not be eligible for the Bonus Offer. Royal Bank of Canada and WestJet cannot guarantee that any merchant, operating in whole or in part as a grocery store, restaurant, or food delivery service, is classified by MCC 5331, 5411, 5441, 5451, 5462, 5499, 5811, 5812, 5813 or 5814, and in no event will Royal Bank of Canada or WestJet be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by an eligible MCC above. This Bonus Offer may not be combined or used in conjunction with any other offer, except as otherwise set out. WestJet and RBC reserve the right to cancel, modify or withdraw this Bonus Offer at any time.

WestJet Rewards program
All other WestJet Reward program terms and conditions remain in effect. Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications. WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

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