COVID-19 – Read more on how RBC is helping youth and student clients.
Student loans to get you where you’re going.
No annual fee
No set up costs
Pay interest-only while in school, and for up to 2 years after you’ve completed your studies at an accredited institution
Low and competitive interest rates25
Call
1 (866) 881-6618
to talk to a specialist
Paying for school? Know your options.
No annual fee
No set up costs
Pay interest-only while in school, and for up to 2 years after you’ve completed your studies at an accredited institution
Low and competitive interest rates25
Call
1 (866) 881-6618
to talk to a specialist
The Student Banking App That Gets How You like to Send Your Money
Ranked #1 for highest in customer satisfaction for the RBC Mobile app.12
Free Credit Score – Know where you stand, quickly and easily.
See your credit score for free in RBC online banking.12
Get great offers from your favourite brands!
Offers is a great way to save money when you use your RBC debit or credit card, plus earn bonus Avion points faster on eligible credit cards.13
RBCxMusic – Get exclusive ticket offers to the hottest shows with RBCxMusic.1
Get more access to your favourite music, artists and shows with your RBC account.
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Legal Disclaimer*
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 Disclaimer*
Offer is a one-time only non-transferable Live Nation® Concert Cash®
code ("Code") good toward $50 off the final purchase price of one (1)
RBCx Music Preferred Ticket on or after January 21, 2020 for a select
Live Nation produced and promoted concert in Canada listed at
https://www.ticketmaster.ca/microsite/rbc
(the “RBC Microsite”), based on availability under this program when
you purchase one (1) RBCx Music Preferred Ticket from the RBC
Microsite between 11:00PM EST on January 19, 2020 and 3:00AM EST on
January 21, 2020. Any additional ticket purchase for a Live Nation
show on
https://www.ticketmaster.ca/microsite/rbc
will receive a $10 Code for each additional ticket purchased up to a
maximum of three (3) additional tickets for any one transaction,
totaling four (4) Codes including the $50 off Code. Codes will be
delivered within 48 hours of ticket purchase to your email address
recorded with Royal Bank of Canada. Codes have to be used toward a
future purchase and cannot be used toward VIP Nation®, TicketsNow® or
Major League Baseball events, or events at AEG venues or at venues not
ticketed by Live Nation or Ticketmaster, fan clubs, ticket packages,
gift cards or shipping charges. Exclusions may apply to TM+, Platinum,
Fan-to-Fan Resale, and TicketExchange by Ticketmaster™ tickets, and
tickets not sold directly by Ticketmaster. All ticket purchases are
subject to the Live Nation
Purchase Policy. Codes cannot be sold or bought. Void if sold or exchanged for
compensation. Any unused value will be forfeited. Maximum four (4)
Codes can be redeemed per transaction and they must all be of the same
dollar value. Codes expire at 11:59 PM on June 30, 2020. Live Nation
Worldwide, Inc., not Royal Bank of Canada, is responsible for all
terms and conditions related to the Code. For full Code terms and
conditions visit
https://rbcterms.pgtb.me/1BfQxQ.
Legal Disclaimer**
Mydoh is $2.99 per month if you are an RBC Client or $4.99 per month if you are not an RBC Client. RBC Client means an individual who holds at least one personal deposit account with Royal Bank of Canada (excluding saving accounts and US dollar accounts), or a personal RBC Royal Bank credit card.
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.
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)
If you are a post-secondary student and an Account owner of an RBC AdvantageTM Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+TM Visa‡, Signature® RBC® Rewards Visa 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, you must: i) be approved for an eligible RBC Student Credit Card, ii) Open or Activate an Eligible Student Credit Card, and iii) be an Account owner of an Eligible Student Bank Account.
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 for 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.
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, 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.
To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, you must: i) be approved for an eligible RBC Student Credit Card, ii) Open or Activate an Eligible Student Credit Card, and iii) be an Account owner of an Eligible Student Bank Account.
| Eligible Credit Cards | Annual Fee Rebate |
| RBC ION+TM Visa‡ | $4 a month ($48 annually) |
| Signature® RBC Rewards® Visa | $39 |
| Visa Cash Back Card | $19 |
| WestJet RBC® MasterCard‡ | $39 |
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.
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, 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.
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)
Royal Credit Line for Students is provided by Royal Bank of Canada and
is subject to its standard lending criteria. Offer may be changed,
withdrawn or extended at any time, without notice. Not available in
combination with any other rate discounts or offers. Some
conditions apply. The minimum payment is the accrued interest and,
only if applicable, service fees that apply for that period as well as
your LoanProtector insurance premium and taxes. Co-signer is required
for the following programs: Midwifery, Dental Hygiene, Physician
Assistant, Registered Nursing.
Legal Disclaimer24)
Interest rate for Royal Credit Line is based on the Royal Bank
Prime Rate, plus or minus a premium or discount depending upon your program of
study. Two Royal Credit line cheques may be written during each
monthly cycle without charge. A $2.00 Royal Credit Line Cheque Fee
applies to each cheque thereafter. Refer to your Student Royal Credit
Line Agreement for details.
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 February 1, 2023 – May 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 May 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on July 31, 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/student100terms.
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 May 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on July 31, 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/student100terms.
Legal Disclaimer27)
“Up to $95” is a combined total of (a) $25 when you open an RBC Leo’s Young Savers Account by March 31, 2023 (footnote 27a), plus (b) Mydoh Bonus Offer of a no-monthly fee subscription with your first Mydoh account for the first 12-monhts of your subscription, valued at $35.88 a year (footnote 27b), plus a no-fee 6-month pass MoneyPrep single use promo code, valued at $5.99 per month (footnote 27c), each in accordance with their respective terms and conditions set out below.
Legal Disclaimer27a)
This LYSA Bonus 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 January 10, 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 9:00 PM ET on March 31, 2023.
For full legal terms click here: rbc.com/leo25
For full legal terms click here: rbc.com/leo25
Legal Disclaimer27b)
Receive a no-fee monthly subscription, “Mydoh Bonus Offer” with your Mydoh account for the first 12 months of your subscription. The no-fee monthly subscription will be automatically applied within 30 days of opening your Mydoh account. Currently valued at $35.88 a year, this limited time Mydoh Bonus Offer is 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. To qualify for this offer you must qualify for the LYSA Bonus Offer enter the same email address to set up your Mydoh app as you provided when opening RBC Leo’s Young Savers Account. You must open your first new Mydoh account by 11:59 PM ET on May 15, 2023. There is a maximum of one (1) Mydoh Bonus Offer available per family. The annual value of the Bonus Offer may change over time. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time and we may terminate your use of Mydoh in accordance with the Mydoh App Terms & Conditions (https://www.mydoh.ca/app-terms/). You have until May 31, 2023 to notify us by way of email at hello@mydoh.ca if you believe you have qualified for but not received your “Mydoh Bonus Offer” within 30 days of opening your Mydoh account.
This product is only available in English.
Legal Disclaimer27c)
This limited time offer is not transferable and is available to first time MoneyPrep subscribers. In order to take advantage of this offer and receive a no-fee 6-month pass (valued at $5.99 per a month) (“Discount”) MoneyPrep single use promo code will be emailed to you to the email address you provided when opening RBC Leo’s Young Savers Account. You must download the MoneyPrep Kids Learning Games app between January 10, 2023 and May 15, 2023, inclusively (“Offer Period”), and enter the promotional code provided in the welcome RBC email during the app sign up process - click Play Now to begin. No purchase necessary, no payment information required unless you choose to extend. Promotional code can only be used once per client during the Offer Period, and is not redeemable for cash and has no face or cash value. No minimum spend required. Offer cannot be applied to purchases made prior to or after the conclusion of the offer. This offer may not be combined or used in conjunction with any other offers, and cannot be applied retroactively to previous purchases. Any refunds will not include the value of the promotional code. MoneyPrep Inc., not Royal Bank of Canada (“RBC”), is responsible for the sales, and terms and conditions applicable, which are available at: https://www.moneyprep.com/terms-and-conditions/, including those applicable to the use of the promotional code. RBC reserves the right to cancel, modify or withdraw this offer at any time. This product is only available in English. You have until May 31, 2023 to notify us by way of email at support@moneyprep.com if you believe you have qualified for but not received your “MoneyPrep Bonus Offer”.
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, 6,000 (“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 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, 12,000 (“welcome points”) 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 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 Disclaimer55)
Purchase Rate: 19.99% (20.99%, as of April 1, 2023)