COVID-19 – Read more on how RBC is helping youth and student clients.
Banking with RBC has some serious benefits.
Beyond Banking Offers
Banking Offers
Legal Disclaimer*
“Up to $275 in value” represents the combined total value of the
following promotional offers: (a) $100 when you open an Advantage Bank
Account for students by October 31, 2023
Disclaimer26, plus (b) x$75 worth of gift cards/certificates when you open a RBC
ION+ Visa credit card account by October 31, 2023
Disclaimer52, and (c) $100 when you are enrolled in an Undergraduate or General
Program of study and you open a Royal Credit Line for Students
Disclaimer56,
Disclaimer57, each in accordance with their respective terms and conditions set
out below.
Legal Disclaimer**
“Up to $275 in value” represents the combined total value of the
following promotional offers: (a) $100 when you open an Advantage Bank
Account for students by October 31, 2023
Disclaimer26, plus (b) to get $75 worth of gift cards/certificates, you will only
need to redeem a total of 10,500 Avion points of the 12,000 Welcome
Avion points received
Disclaimer52, and (c) $100 when you are enrolled in an Undergraduate or General
Program of study and you open a Royal Credit Line for Students
Disclaimer56,
Disclaimer57, each in accordance with their respective terms and conditions set
out below.
Legal Disclaimer1)
Tickets subject to availability. In order to purchase tickets through
RBCxMusic.com,
you must authenticate yourself as an RBC client (using your RBC Royal
Bank online banking card number/username and password) and purchase
through the Ticketmaster application programming interface
("Ticketmaster API"). In order to obtain the applicable discounts,
please select the ‘RBCxMusic’ ticket type from the drop down menu.
Ticketmaster content (event name, dates, times, venue name, and
additional information such as Tickets, Attendees, Orders (“Event
Content") are owned by the event organizers and/or Ticketmaster. Any
purchase of tickets through the Ticketmaster API will be governed by
Ticketmaster’s Terms of Use, located at www.ticketmaster.ca. Royal
Bank of Canada (“RBC”) is not responsible for any terms and conditions
applicable to your purchases and returns. RBC reserves the right to
cancel, modify or withdraw this exclusive access to tickets at any
time.
Legal Disclaimer2)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is
operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC
Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are
operated by Royal Bank of Canada.
Legal Disclaimer3)
Unlimited free Interac e-Transfer transactions are available
in all Canadian dollar personal banking (chequing) accounts and are
not counted toward the free monthly total in accounts with a limited
number of free debits. In all Canadian dollar savings accounts,
Interac e-Transfer transactions are $1 each, count as a Debit
Transaction toward any free monthly total and carry an Excess Debit
Transaction fee, if applicable. Interac e-Transfer
transactions are not available in US dollar accounts.
Legal Disclaimer3a)
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.
Legal Disclaimer4)
RBC AdvantageTM Banking for students is available to any
full-time student upon presentation of student identification.
Students who are 25 years of age and older must present proof of
student status each year to maintain their eligibility for a student
account. To be considered a full-time student, you must attend a
primary or secondary school OR be enrolled in a program at the
post-secondary level at a college, university or other educational
institution (whether in Canada or not). If you are a post-secondary
student, you must take at least 60% of the usual course load for the
program in which you are enrolled in any particular semester. Proof of
enrollment may be requested at our discretion.
Legal Disclaimer5)
Free Debit Transactions are calculated per Monthly Cycle. $1.25 is
charged for each debit over the monthly limit. RBC Virtual Visa
Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage
payments, pre-authorized and self-serve RBC Royal Bank credit card
payments and contributions to RBC investment accounts (such as GICs,
Royal Mutual Funds, Registered Savings Plans, Registered Education
Savings Plans, Registered Disability Savings Plans and Tax-Free
Savings Accounts) from your RBC Advantage Banking for students are
free of charge.
Legal Disclaimer6)
An ATM operator surcharge (also called convenience fee) may be charged
by other ATM operators. The convenience fee is not a Royal Bank fee.
It is added directly to the amount of your cash withdrawal. All
clients who use non-RBC ATMs may be charged a convenience fee
regardless of the type of account they hold.
Legal Disclaimer8)
Subject to credit approval. If you are a post-secondary student and an
owner or co-owner of an RBC AdvantageTM Banking Account for
students (an “Eligible Student Bank Account”) and the primary
cardholder of the RBC ION+TM Visa‡ credit card ( “Eligible
Credit Card”), the $4 monthly fee (charged over 12 months and equating
to a $48 annual fee) will be fully rebated, every month. For any other
RBC Royal Bank credit card, regular annual fees apply as they are not
eligible for a rebate.
For the $4 monthly fee of your Eligible Credit Card to be fully rebated, every month, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The monthly fee of your Eligible Credit Card will continue to be fully rebated: 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, the monthly fee will no longer be rebated. 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, 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-applicant and authorized user(s)) do not qualify for the monthly fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card monthly fee rebate per Eligible Student Bank Account is allowed, which means that if you own a joint Eligible Student Bank Account and each co-owner is also the primary cardholder of an Eligible Credit Card, only the primary owner of the Eligible Student Bank Account will be eligible for the credit card monthly fee rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
For the $4 monthly fee of your Eligible Credit Card to be fully rebated, every month, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The monthly fee of your Eligible Credit Card will continue to be fully rebated: 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, the monthly fee will no longer be rebated. 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, 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-applicant and authorized user(s)) do not qualify for the monthly fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card monthly fee rebate per Eligible Student Bank Account is allowed, which means that if you own a joint Eligible Student Bank Account and each co-owner is also the primary cardholder of an Eligible Credit Card, only the primary owner of the Eligible Student Bank Account will be eligible for the credit card monthly fee rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer9)
The interest rate is an annual interest rate. It is a simple interest
calculation. Interest is calculated daily on the closing credit
balance and paid monthly. Interest rate is subject to change at any
time without notice.
Legal Disclaimer10)
Fees may apply on the account from which the money has been
transferred.
Legal Disclaimer11)
Debit Transactions in RBC Leo’s Young Savers Account®: RBC
Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank
mortgage payments, pre-authorized and self-serve RBC Royal Bank credit
card payments and contributions to RBC investment accounts (such as
GICs, Royal Mutual Funds, Registered Savings Plans, Registered
Education Savings Plans, Registered Disability Savings Plans and
Tax-Free Savings Accounts) from the RBC Leo’s Young Savers Account are
free of charge. All other Debit Transactions from these Accounts are
counted as Debit Transactions towards the free monthly Debit
Transactions included in the Account, and give rise to an Excess Debit
Transaction Fee, if the total free monthly Debit Transactions are
exceeded.
Legal Disclaimer12)
Retail Banking: RBC Royal Bank received the highest
numerical score among the big five retail banks in the J.D. Power
2016-2018 Canadian Retail Banking Customer Satisfaction Studies. The
study is based on responses from nearly 14,000 retail banking
customers of Canada’s largest and midsized banks regarding their
experiences with their retail bank. It was fielded from June 2017 to
January 2018. Your experiences may vary. Visit jdpower.com
Legal Disclaimer13)
Offers are available to clients with an RBC Royal Bank debit card tied
to a personal chequing account and/or an eligible RBC Royal Bank
credit card. Program access is determined by RBC and based on the
client’s preferences and account status. All offers are subject to
eligibility. Please refer to the terms and conditions for each
specific offer for more details. RBC Commercial Visa and RBC U.S.
Dollar Visa Gold cards are not eligible for offers. Other exceptions
may apply to certain offers.
Legal Disclaimer14)
This is the account you access with your RBC Royal Bank Client Card
when you select the “Chequing” option on a merchant payment terminal
or at an automated teller machine. Not available for the Leo’s Young
Saver’s Account.
Legal Disclaimer15)
You will earn 1.5 Avion points for every $1.00 in Grocery, Rides, Gas,
Electric Vehicle Charging, Streaming, and Digital Gaming &
Subscriptions Purchases you make on your RBC ION Visa credit card at
merchants classified by Visa’s “Merchant Category Code” (MCC).
Depending on how certain merchants are categorized by Visa’s “Merchant
Category Code” (MCC) they may not qualify as an eligible MCC. Eligible
MCCs are listed as:
(i) “Grocery Stores and Supermarkets” (MCC 5411) are “Grocery Purchases”;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”;
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite, and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION Visa credit card.
Even though some merchants may sell Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions 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 Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Rides, gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions purchase made at a merchant that is not classified as an Eligible MCC. Avion 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.
(i) “Grocery Stores and Supermarkets” (MCC 5411) are “Grocery Purchases”;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”;
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite, and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION Visa credit card.
Even though some merchants may sell Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions 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 Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Rides, gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions purchase made at a merchant that is not classified as an Eligible MCC. Avion 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.
Legal Disclaimer16)
Refers to Purchase Security and Extended Warranty insurance. Coverage
underwritten by RBC 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. Purchase
Security Insurance provides coverage for direct accidental physical
loss or damage to personal property or gifts that are paid in full on
your RBC credit card for 90 days from the date of purchase. Refer to
the insurance booklet for complete details.
Legal Disclaimer17)
Avion 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.
Legal Disclaimer18)
RBC Canada, the Avion 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.
Legal Disclaimer19)
To receive 3500 Avion points (or “welcome points”) and to be exempt
from the annual fee for one year (the “annual fee waiver offer”), your
application must be received by the date indicated on this landing
page, and it must be approved by us. Upon enrolment, 3500 welcome
points will appear within the first two billing cycles. Additional
cardholder(s), as well as existing RBC ION+ Visa cardholders, applying
for or transferring to an RBC ION+ Visa card as of the offer
eligibility period, are not eligible for this offer. This offer is
only eligible for the RBC ION+ 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 Avion Rewards Program, please visit
www.avionrewards.com
or call
1-800-769-2512.
Legal Disclaimer20)
All rewards are subject to availability. The regular redemption rate
for Avion Rewards members, is 3,500 Avion points for $25 in
Amazon.ca, iTunes,
Starbucks, McCafe, Indigo or Cineplex gift cards. Point redemption
values may fluctuate. For complete terms, conditions and restrictions
that apply to the Avion Rewards program, please visit
www.avionrewards.com
or call 1-800-769-2512.
Legal Disclaimer21)
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 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, 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 during an Annual Period, unlimited.
Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store and other 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 of Canada 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, 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.
Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store and other 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 of Canada 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, 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.
Legal Disclaimer22)
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 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, up to a maximum of
$6,000 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 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. To consult the list of
participating merchants, please visit:
www.rbc.com/nofeecashbackinfo
(opens new window) 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 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.
Legal Disclaimer23)
To be considered an eligible student for the purposes of one of the
Royal Credit Line for Students promotional offers , you must be
enrolled in an eligible program of study at the post-secondary level
at a college, university, or other educational institution, as more
particularly described in the terms and conditions for the relevant
promotional offer. Proof of enrollment may be required. See also notes
56 and 57 for additional details regarding promotional offer
eligibility based on programs of study.
Legal Disclaimer24)
“RBC Prime Rate” means the annual rate of interest announced by Royal
Bank of Canada from time to time as its reference rate then in effect
for determining interest rates on Canadian dollar commercial loans
made by the Bank in Canada. The current Royal Bank Prime Rate may be
viewed here, and is subject to change at any time without notice.
Prime minus 0.25% on the Royal Credit Line are available to clients
participating in the RBC Healthcare Advantage program. The discounted
rate is subject to change at any time without notice. On June 8, 2023, the Royal Bank Prime Rate was 6.95%.
Legal Disclaimer25)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is
operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC
Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are
operated by Royal Bank of Canada.
Legal Disclaimer26)
Offer available June 1, 2023 – October 31, 2023 (“Promotional Period”)
This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.
To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on October 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on December 29, 2023 using your Eligible Personal Banking Account:
i. a minimum of three (3) debit transactions;
ii. register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. enroll for a Virtual Visa Debit Card and make one (1) transaction
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/studentterms.
This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.
To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on October 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on December 29, 2023 using your Eligible Personal Banking Account:
i. a minimum of three (3) debit transactions;
ii. register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. enroll for a Virtual Visa Debit Card and make one (1) transaction
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/studentterms.
Legal Disclaimer27)
This offer is available to any Eligible Clients without a Personal
Banking Account with Royal Bank of Canada within the last 3 years
before the start of the promotional period on April 1, 2023. The Bonus
Offer is $25 with an RBC Leo’s Young Savers Account®. This
account type is intended for clients 0-12 years. No qualifying
transactions or purchases are required for the $25 Bonus Offer with
the RBC Leo’s Young Savers Account. The Bonus Offer will be deposited
into your Eligible Personal Banking Account within 2 to 8 weeks
provided your account remains in good standing. This offer may not be
combined or used in conjunction with any other Personal Banking
Account offers. Royal Bank of Canada reserves the right to withdraw or
modify this offer at any time without notice, even after acceptance by
you. You must open your first new Eligible Personal Banking Account by
11:59 PM EST on June 30, 2023.
For full legal terms click here: rbc.com/leo25
For full legal terms click here: rbc.com/leo25
Legal Disclaimer27a)
Limited time offer available to Canadian residents who are age of
majority at the time of Mydoh account opening in their province or
territory of residence and have never previously signed up to Mydoh. A
Mydoh offer promo code will be emailed to you to the email address you
provided when opening RBC Leo’s Young Savers Account. Enter the promo
code during the Mydoh account sign up process between April 1, 2023,
and July 31, 2023, you will earn $10 CAD (“Bonus Offer”) in your Mydoh
Wallet. There is a maximum of one (1) Bonus Offer available per
family.
The Bonus Offer will be credited to your Mydoh Wallet within 4-6 weeks of successful sign up. The Bonus Offer can be sent to your child as soon as it is deposited in your Mydoh Wallet, and your child can spend the Bonus Offer in-store or online, upon receiving the funds. The Bonus Offer cannot be withdrawn from your Mydoh Wallet within the first 30 days after it is credited. If you close your account within the first 30 days, the Bonus Offer will be deducted from any withdrawn funds. This offer cannot be combined with any other Mydoh offers. Royal Bank of Canada may cancel or modify this Bonus Offer at any time.
The Bonus Offer will be credited to your Mydoh Wallet within 4-6 weeks of successful sign up. The Bonus Offer can be sent to your child as soon as it is deposited in your Mydoh Wallet, and your child can spend the Bonus Offer in-store or online, upon receiving the funds. The Bonus Offer cannot be withdrawn from your Mydoh Wallet within the first 30 days after it is credited. If you close your account within the first 30 days, the Bonus Offer will be deducted from any withdrawn funds. This offer cannot be combined with any other Mydoh offers. Royal Bank of Canada may cancel or modify this Bonus Offer at any time.
Legal Disclaimer28)
RBC Advantage Banking for students allows eligible full-time students
to receive a full waiver of the standard Monthly Fee applicable to our
RBC Advantage Banking account. Please refer to the section labelled
“Rebates, Fee Waivers and Discounts: RBC Advantage Banking for
students” in the document entitled “Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking
account to supplement the information provided in the Personal Deposit
Accounts Disclosures and Agreements document. You must advise us of
your student status at the time of account opening an RBC Advantage
Banking for students account and must advise of any changes to your
student status thereafter. Proof of enrollment may be requested at our
discretion. Students who are 25 years of age and older must provide
proof of enrollment.
Legal Disclaimer29)
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.
Legal Disclaimer30)
When you enrol your eligible RBC personal bank account into the RBC
Value Program, you will be eligible to earn Avion points within the
Avion Rewards Program as an Eligible Personal Banking Client, and any
such points earned will be deposited into the Avion Rewards account
tied to your enrolled account. Purchases from your account refers to
using your RBC Client Card to pay for items at a merchant or service
provider with the amount electronically debited directly from your
enrolled account or using your RBC Virtual Visa Debit for purchases
online. Avion points are governed by the
Avion Rewards Terms and Conditions
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.
Legal Disclaimer32)
To take advantage of this offer you must not have held an RBC
InvestEase account prior to January 1, 2023. This offer applies to
your first RBC InvestEase account only. Accounts opened from January
1, 2023 to June 30, 2023 using promo code SA668 will not be charged
the regular 0.5% management fee by RBC InvestEase for 6 months from
the date of account opening. RBC InvestEase will notify clients 60
days in advance of any changes to the fees associated with their
account as set out in the investment management agreement. A weighted
average management expense ratio will still apply to the ETFs held in
our portfolios. For further information please refer to Pricing on
https://www.rbcinvestease.com/. This offer cannot be combined with any other offers. RBC InvestEase
Inc. reserves the right to amend or withdraw this offer at any time
without notice.
RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.
Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.
The services provided by RBC InvestEase are only available in Canada.
RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.
Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.
The services provided by RBC InvestEase are only available in Canada.
Legal Disclaimer35)
Real-time streaming quotes are available automatically to all clients
for exchange listed equities, ETFs and most over-the-counter (OTC)
securities. Real-time streaming quotes for options and grey market OTC
securities are available to Active Traders and Royal Circle clients
upon accepting the terms and conditions of all exchange agreements on
the RBC Direct Investing online investing site.
Legal Disclaimer36)
Fund transfers from an RBC Royal Bank account to your RBC Direct
Investing account using RBC Online Banking, Direct Investing Online
Investing, or the RBC Mobile app are processed in real time between
the hours of 4:30 a.m. and 7:54 p.m. ET, seven days a week. Transfers
into an RBC Direct Investing account made outside of these hours will
be processed the next morning. Transfers out of your RBC Direct
Investing account to an RBC Royal Bank account are processed in
real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday
(excluding holidays). Transfers out of your RBC Direct Investing
account made outside of these hours will be processed the next
business day. Locked-in, Registered Retirement Income Fund, and
Registered Education Savings Plan (transfer out only) accounts
excluded. Other conditions apply.
Legal Disclaimer37)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing
Inc. and RBC Dominion Securities Inc.
Legal Disclaimer38)
To receive a complimentary DashPass subscription for $0 delivery
fees on orders of $12 or more at eligible restaurants when you pay
with your Eligible RBC Credit Card, you must subscribe to DashPass
by adding an Eligible RBC Credit Card, accept the DoorDash terms and
conditions, and activate your benefit by clicking “Activate Free
DashPass” before July 5, 2023 (“Offer Period”). If you are an
existing DashPass subscriber and have already added an Eligible RBC
Credit Card to your account you must activate your benefit by
clicking “Activate Free DashPass” during the Offer Period. If you
have been charged for DashPass you will receive a refund to the
method of original payment, in the amount of the monthly
subscription fee for the month you activate your complimentary
subscription. For all clients, by clicking on “Activate Free
DashPass” you agree to the DoorDash terms and conditions which can
be found at
https://help.doordash.com/consumers/s/terms-and-conditions
opens in a new window.
Eligible RBC Credit cardholders include primary cardholders,
co-applicants, authorized users, primary business cardholders and
secondary business cardholders on an Eligible RBC Credit Card
account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary
DashPass Subscription based on the Eligible RBC Credit Card you use
to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including
third-party payment accounts, or online or mobile digital wallets
(like Apply Pay and Google Pay) are not eligible for the
Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit
Card may only be used with one DoorDash account to receive a
Complimentary DashPass Subscription. Once you have received a
Complimentary DashPass Subscription you cannot use the same eligible
RBC Credit Card to obtain a Complimentary DashPass Subscription with
another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass
Subscription and one 3 month Complimentary DashPass Subscription
during the Offer Period. The Complimentary DashPass Subscription
commences on the date you subscribe to receive the Complimentary
DashPass Subscription. If you subscribe to a 12 month Complimentary
DashPass Subscription on the last day of your second month of a 3
month Complimentary DashPass Subscription you will receive a total
of 14 months of Complimentary DashPass Subscription.
In order to validate your credit card as an Eligible RBC Credit
Card, Royal Bank may need to administer a $0.50 charge to validate
your card enrollment. This charge will be reversed in 3 to 5 days
once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the
following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion
Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for
Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards
Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC
Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC
Avion Visa Business, RBC Avion Visa Infinite Business cardholder,
you are eligible for a Complimentary DashPass Subscription for 12
months from the date you subscribe to receive the Complimentary
DashPass Subscription. You will be auto-enrolled into full-price
membership at the then-current rate after the end of the 12 month
Complimentary DashPass Subscription. Your RBC credit card account
must be open and not in default to maintain the benefits of
DashPass.
3 Month Complimentary DashPass Subscription is available for the
following Eligible RBC Credit Cards:
As an RBC ION Visa, RBC ION+ Visa, RBC Visa Platinum, RBC Visa Cash
Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option,
RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II
Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa
Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa
Business, RBC Visa Business Gold, RBC Visa CreditLine for Small
Business, or RBC Business Cash Back Mastercard, you are eligible for
a Complimentary DashPass Subscription for 3 months from the date you
subscribed to the Complimentary DashPass Subscription. You will be
auto-enrolled into full-price membership at the then-current rate
after the end of the 3 month Complimentary DashPass Subscription.
Your RBC credit card account must be open and not in default to
maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services
and products provided through DoorDash; (ii) DashPass, including the
DashPass Benefits, the administration of DashPass and (iii) the
DoorDash terms and conditions. The Complimentary DashPass
Subscription offer may be amended or withdrawn at any time. To learn
more about DashPass, visit
www.doordash.com/dashpass
opens in a new window. For full DashPass for RBC Program Terms and Conditions, visit
rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf(PDF).
Legal Disclaimer39)
To participate in the Program as an Eligible Avion Rewards Core
Product Account Client, you must have at least one Avion Rewards Core
Product Account and either i) have at least one Rewards Account or ii)
enroll in the Program through either
www.avionrewards.com
or the Avion Rewards app. Where the Avion Rewards Core Product Account
is jointly owned, each joint owner must enroll separately.
Legal Disclaimer47)
21.99% if you reside in Quebec.
Legal Disclaimer48)
Primary Cardholders can get 500 Avion points for completing each of
the following activities within 60 days of approval, up to a maximum
of 3,500 Avion points: (i) share their email address with us; (ii)
sign up for eStatements for the card; (iii) download and sign into
either the RBC Mobile app, RBC Wallet or Avion Rewards app; and, if
the Primary Cardholder banks with us, (iv) make an Interac e-Transfer
with the RBC Mobile app or RBC Online Banking (US Dollar accounts are
not eligible for this Bonus Offer); (v) transfer funds with the RBC
Mobile app or RBC Online Banking; (vi) deposit a cheque with the RBC
Mobile app; (vii) pay a bill with the RBC Mobile app or RBC Online
Banking. It may take up to 60 days after Bonus Offers expire for the
Bonus Points to appear on the credit card statement. The 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. Only
the Primary Cardholder of an RBC ION Visa card is eligible for these
offers. Additional cardholder(s), as well as existing RBC ION Visa
cardholders at any relevant time are not eligible for these offers.
Royal Bank of Canada reserves the right to cancel, modify or withdraw
this Offer at any time.
Legal Disclaimer49)
All rewards are subject to availability. The regular redemption rate
for Avion Rewards members, other than RBC ION cardholders, is 3,500
Avion 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 Avion
Rewards program, please visit
www.avionrewards.com
or call 1-800-769-2512.
Legal Disclaimer51)
To be eligible for this offer your application for the RBC ION Visa
must be received by the date indicated on this page and must be
approved by us. Upon enrolment, 3,500 (“welcome points”) Avion points
will appear within the first two monthly statements. Additional
cardholder(s), as well as existing cardholders of any RBC credit
cards, applying for or transferring to an RBC ION Visa, are not
eligible for this offer. This offer may not be combined or used in
conjunction with any other offer unless otherwise set out. 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 Avion
Rewards Program, please visit
https://www.avionrewards.com/terms-and-conditions.html
or call 1-800-769-2512
Legal Disclaimer52)
To receive the 12,000 welcome Avion points (“Welcome Points”), your
application must be received by October 31, 2023 and approved by us.
The Welcome Points will appear on either your first or second credit
card statement after your application has been approved. Additional
cardholder(s) (co-applicant and authorized user(s)), as well as
existing cardholders of any RBC credit card as of the Offer Period,
are not eligible for this offer. This offer may not be combined or
used in conjunction with any other offer unless otherwise set out.
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 Avion Rewards Program, please visit
https://www.avionrewards.com/terms-and-conditions.html
or call 1-800-769-2512.
To get $75 worth of gift cards/certificates, you will need a total of 10,500 Avion points. Minimum redemption of 3,500 Avion points for most $25 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
To get $75 worth of gift cards/certificates, you will need a total of 10,500 Avion points. Minimum redemption of 3,500 Avion points for most $25 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
Legal Disclaimer53)
You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food
Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and
Digital Gaming & Subscriptions Purchases you make on your RBC ION+
Visa credit card at merchants classified by Visa’s “Merchant Category
Code” (MCC). Depending on how certain merchants are categorized by
Visa’s “Merchant Category Code” (MCC) they may not qualify as an
eligible MCC. Eligible MCCs are listed as:
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.
Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions 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 Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion 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.
(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.
You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.
Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions 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 Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion 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.
Legal Disclaimer54)
Effective for all account holders as of December 1 2022. NOTE: The
Leo’s Young Savers Account is not eligible for the RBC Virtual Visa
Debit card, and therefore incapable of RBC Virtual Visa Debit Debit
Transactions.
Legal Disclaimer56)
This Royal Credit Line for Students Promotional Offer (the
“Promotional Offer”) is available June 1, 2023 to October 31, 2023
(the “Promotional Period”).
The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein.
The Promotional Offer is: $100 for an eligible individual enrolled in a General Program (as defined below).
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. Individuals enrolled in Medical or Dental programs of study are ineligible for this Promotional Offer, but may be eligible for other Royal Bank of Canada promotional offers specific to individuals enrolled in such programs. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program or Professional Program, as applicable.
To qualify to receive the applicable benefit of this Promotional Offer:
(i) you must be the Primary applicant for a Royal Credit Line for Students (“Student RCL”) with Royal Bank of Canada;
(ii) you must start your Student RCL application by 11:59pm EST on October 31, 2023;
(iii) your application must be approved and your Student RCL activated by 11:59pm EST on November 10, 2023.
Note: as part of your Student RCL application, you must provide proof of your enrolment in an eligible General Program or Professional Program, as applicable.
This Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (as described above).
Primary applicants only. Medical and dental students, residents, fellows and practicing professionals are not eligible for this Promotional Offer. If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between two (2) and eight (8) weeks of your Student RCL’s activation date. In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.
Only one Promotional Offer payment per client per activated Student RCL. Promotional Offer and Student RCL applications are subject to standard Royal Bank of Canada lending criteria and other applicable restrictions.
The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein.
The Promotional Offer is: $100 for an eligible individual enrolled in a General Program (as defined below).
“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. Individuals enrolled in Medical or Dental programs of study are ineligible for this Promotional Offer, but may be eligible for other Royal Bank of Canada promotional offers specific to individuals enrolled in such programs. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program or Professional Program, as applicable.
To qualify to receive the applicable benefit of this Promotional Offer:
(i) you must be the Primary applicant for a Royal Credit Line for Students (“Student RCL”) with Royal Bank of Canada;
(ii) you must start your Student RCL application by 11:59pm EST on October 31, 2023;
(iii) your application must be approved and your Student RCL activated by 11:59pm EST on November 10, 2023.
Note: as part of your Student RCL application, you must provide proof of your enrolment in an eligible General Program or Professional Program, as applicable.
This Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (as described above).
Primary applicants only. Medical and dental students, residents, fellows and practicing professionals are not eligible for this Promotional Offer. If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account between two (2) and eight (8) weeks of your Student RCL’s activation date. In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.
Only one Promotional Offer payment per client per activated Student RCL. Promotional Offer and Student RCL applications are subject to standard Royal Bank of Canada lending criteria and other applicable restrictions.
Legal Disclaimer57)
Individuals enrolled in a Professional program or a Medical or Dental
Program may qualify for greater promotional offer amounts when they
open a Royal Credit Line for Students or Royal Credit Line for Medical
or Dental Students, respectively, and meet the applicable terms and
conditions. For additional details, terms and conditions, visit
https://www.rbcroyalbank.com/lending/studentrcl/index.html, contact us by phone at
1 866-245-1934 or visit an RBC Royal
Bank branch.