1)

Available only to Canadian residents who are born on or before November 1, 1967. Other conditions apply, as set out below. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account. Thereafter the standard monthly fee applicable to your account type will be charged: monthly fee of $11.95 for the RBC Advantage Banking account. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking. Available only to clients born on or before November 1, 1967; please see the eligibility requirements in above note 1. Offer may be withdrawn or amended at any time without notice. See complete terms and conditions(Opens PDF in new window) that apply to this promotional offer.

2)

$100 PBA Offer until May 31, 2022
Offer available to Eligible Personal Clients without a Personal Banking Account with Royal Bank at the beginning of the Promotional Period or in the five year period before the start of the Promotional Period, who open their first new RBC Advantage^® Banking account (monthly fee of $11.95) (“Eligible Personal Banking Account”) by May 31, 2022 and who comply with all other terms and conditions. You must also complete at least two of the following Qualifying Criteria by July 31, 2022: (i) set up at least two pre-authorized payments from the Eligible Personal Banking Account; (ii) set up at least one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account; and/or (iii) set up at least two eligible bill payments to a service provider from the Eligible Personal Banking Account. Offer will be deposited into your Eligible Personal Banking Account between 2 and 10 weeks of completing all Qualifying Criteria. Offer may not be combined with any other Personal Banking Account offers. Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit www.rbc.com/offerairpodspro

Offer available April 1, 2022 - May 31, 2022 (“Promotional Period”)

3)

A debit transaction means a withdrawal of funds from an account, such as a cash withdrawal, bill payment or fund transfer.

3)

The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution.

4)

The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution.

5)

There is a limit of 999 free Interac e-Transfer transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.00.

6)

Interac e-Transfer transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5.00 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

7)

RBC Royal Bank style cheques can be ordered only through RBC’s third-party authorized cheque-printing service provider. The order must be placed within three years of the Account opening date. The first order is for 50 free personalized cheques with no special add-on cheque features and includes shipping and handling, afterwards fees apply.

8)

With Virtual Visa Debit, you can make secure online purchases using the money in your bank account.

9)

When you enroll your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions Another RBC site(Opens in new window) available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions(Opens PDF in new window).

RBC Cash Back Mastercard Annual Fee: $0
RBC Avion Infinite Visa Annual Fee: $120 ($50 for Additional Cards)

ADDITIONAL CREDIT CARD FEES:
Cash Advance Fee: $5.00
Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
Dishonoured Payment Fee: $45.00
Overlimit Fee: $29.00 (fee does not apply if you reside in Quebec)
Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts
Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (fee does not apply if you reside in Quebec)

10)

To take advantage of this offer, you must meet the eligibility requirements set out in disclosure 1 (above). You must apply for the RBC Cash Back Mastercard by October 31, 2022, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $4.00 back for every $100.00 (4% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $1,250 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 11 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.

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

11)

You will earn (i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to 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 per 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, up to 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 $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, unlimited. Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other Net Purchases (up to your available credit limit) per Annual Period. 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. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo. 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, and/or ii) be credited to your Account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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.

12)

RBC Bank - 8081 Arco Offer is available through October 31st, 2022 (“Offer Period”). Offer is available for new clients of RBC Bank (U.S.) only. A new client is defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period. To qualify, client must open a new RBC Bank Direct Checking account and apply for an RBC Bank credit card at the same time before the end of the Offer Period. Employees of Royal Bank of Canada do not qualify for this offer. RBC Bank Direct Checking account must be funded according to the Personal Schedule of Fees. For eligible clients, RBC Bank will waive the Direct Checking monthly or annual fee for 1 year from account open date. All other checking account fees apply. If a client applies for an RBC Bank Visa Signature Black Plus/Visa Platinum Rewards Plus credit card, the annual fee of the credit card is not waived. Offer is available for a limited time only and can be withdrawn at any time.

13)

There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. To find a no-fee ATM near you visit www.rbcbank.com/atms(Opens in new window)

14)

The $470 value is based on the combined total of the annual fee waiver ($120) and a round trip short-haul flight in economy class with a maximum ticket price of $350 (taxes and fees are extra).

15)

To be exempt from the annual fee for one year and to receive the 25,000 Avion points you must meet the eligibility requirements set out in disclosure 1 (above) and your application form must be received by October 31, 2022 and approved by us. Upon enrolment, 25,000 Avion points (or “welcome points”) will appear on your first monthly credit card statement. Additional cardholder(s), as well as existing cardholders of any RBC personal credit card applying for or transferring to an RBC Avion Visa Infinite card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

16)

Your points don’t expire as long as your RBC Royal Bank credit card account (“Account”) remains open and in good standing. However, Avion points will be forfeited twelve (12) months after: (i) you voluntarily close your Account, or (ii) RBC closes your Account for any reason other than for cause. For complete details, please see the Avion Rewards Terms & Conditions(Opens in new window).

17)

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 15,000 points for a round trip short-haul flight in economy class with a maximum ticket price of $350. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for business class seats, visit https://www.avionrewards.com/travel/index.html(Opens in new window).

18)

If you do not meet the minimum income requirement for the RBC Avion Visa Infinite card or do not qualify for any other reason, Royal Bank of Canada may consider your acceptance for the RBC Avion Visa Platinum card. For information on the RBC Avion Visa Platinum card, please visit: http://www.rbcroyalbank.com/cards/avion or call 1-800-769-2512.

19)

Offer only available new or existing Royal Bank of Canada (RBC) Registered Retirement Income Fund (RRIF), Life Income Fund (LIF), and/or Prescribed Retirement Income Fund (PRIF) accountholders who make new purchases or RBC GIC renewals, within your RRIF, LIF or PRIF (respectively). If you do not currently hold an RBC RRIF, LIF, or PRIF, you may open one to become eligible for this offer.

Subject to applicable minimum investment amounts, depending on the type of GIC purchased and the type of registered account in which that GIC is held.

20)

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 in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

21)

Eligible credit cards are “Personal Credit Cards” which include RBC^® Avion^® Visa Infinite‡, RBC^® Avion^® Visa Infinite Privilege^‡, RBC^® Avion^® Visa Infinite Privilege^‡ for Private Banking, RBC^® Avion^® Visa Platinum^‡, RBC^® British Airways Visa Infinite^‡, RBC^® Cash Back Mastercard^‡, RBC^® Cash Back Preferred World Elite Mastercard^‡, RBC Cathay Pacific Visa^‡ Platinum, RBC RateAdvantage^® Visa^‡, RBC Rewards^® Visa^‡ Preferred, RBC Rewards+TM Visa^‡, RBC^® U.S. Dollar Visa^‡ Gold, RBC^® Visa^‡ Classic Low Rate Option, RBC^® Visa^‡ Platinum, Signature^® RBC Rewards^® Visa^‡, RBC Rewards^® Visa^‡ Gold, RBC^® Student Visa^‡ Classic, RBC^® Visa^‡ Cash Back, RBC^® Visa^‡ Classic, RBC^® Visa^‡ Classic II Student, RBC^® Visa^‡ Gold, WestJet RBC^® Mastercard^‡, or WestJet RBC^® World Elite Mastercard^‡ credit card in good standing, and “Business Credit Cards” which include RBC^® Avion^® Visa Infinite Business^‡, RBC^® Avion^® Visa^‡ Business, RBC^® Visa^‡ Business, RBC^® Visa^‡ Business Gold, RBC^® Visa^‡ CreditLine for Small Business or RBC^® Business Cash Back Mastercard^‡ credit card in good standing.

22)

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 https://www.petro-canada.ca/en/personal/terms-and-conditions#petropoints(Opens in new window).

Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

23)

The 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 Avion Rewards program, please visit: www.avionrewards.com(Opens in new window) or call 1-800-769-2512

24)

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 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 RBC and Rexall Linked Loyalty Progra Terms and Conditions available at https://www.rbcroyalbank.com/rexall/_assets-custom/includes/rexall-terms.pdf(Opens pdf in new window). Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall / McKesson Canada Corporation may specify from time to time or where prohibited by law.

25)

CareEasy is a business of RBC Ventures Inc., a subsidiary of Royal Bank of Canada.

26)

Boomerang is a business of RBC Ventures Inc., a subsidiary of Royal Bank of Canada. *You will receive 50% off the cost of the workshop, after taxes, (“Offer”) when you are a registered Boomerang member and sign up for a paid workshop between September 15, 2021 and March 15, 2022 (“Offer Period”). One Offer per registered Boomerang member during the Offer Period. Offer cannot be applied retroactively as a discount or refund towards a workshop that you have previously attended or have already registered for but has not yet occurred. Boomerang by RBC Ventures Inc. reserves the right to modify or cancel the Offer at any time.

27)

Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations, in accordance with the Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions(Opens in new window). Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that Rexall / McKesson Canada Corporation may specify from time to time or where prohibited by law.