Rbc online banking down rbc remise en argent mastercard RBC Bank Website Status History. The above graph displays service status activity for over the last 10 automatic checks. The blue bar displays the response time, which is better when smaller. If no bar is displayed for a specific time it means that the service was down and the site was offline. RBC Training Ground is a talent identification and athlete funding program designed to uncover athletes with Olympic potential.

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When you’re first settling into a new country, there are many things you need to take care of. To help you along your journey, we’ve partnered with many brands and agencies to bring you exclusive savings and services. RBC Rewards is a rewards program that lets you earn RBC Rewards points when you use an eligible RBC Rewards card. You simply pay for purchases with your card, earn points on those purchases, and then redeem your points for rewards like gift cards, travel and merchandise. RBC has collaborated with TRIEC to launch a mentorship program to help job-ready, skilled newcomers build their professional networks and better leverage their talents to achieve employment in Canada. The partnership matches recent immigrants with a mentor who shares their professional background. Choose your region for more information from our partners on finding a mentor: Finding a job is a top priority for newcomers when they arrive in Canada. That’s why we’re collaborating with ACCES Employment, a not-for-profit organization and leader in connecting employers with qualified employees from diverse backgrounds. Together with ACCES, we can help set you up for success before you even land in Canada through the RBC monthly Webinar Event Series: It doesn’t matter if you are a new business owner or a seasoned veteran, as an RBC business client, you have access to special offers and support from a wide range of business services that can help you operate your business. To make a free collect call, contact your Telephone Directory system or an International Operator to obtain the International Access Code or other unique dialing codes that may apply in your country. Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. This offer may be withdrawn at any time and is subject to change without notice. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. An RBC Royal Bank credit card with no credit history required is available to (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. You may be eligible for an RBC Royal Bank personal automotive car loan even if you have no Canadian credit history. Available to permanent residents and temporary foreign workers who have been in Canada less than 3 years. Maximum financing term is 96 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information . All residential mortgages and lending products are provided by Royal Bank of Canada are subject to its standard lending criteria. Available to permanent residents who have been in Canada less than 5 years. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport, and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country. For applications that result in a written mortgage pre-approval or approval, containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment. The mortgage must fund within 120 days from the start of the rate commitment. See your RBC mortgage specialist or find an RBC mortgage specialist Monthly fee will be waived for the first twelve months upon account opening of the RBC No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1. See complete terms and conditions Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, 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) and electronic self-serve fund transfers from your savings account to any account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded. If for any reason you do not come to Canada, we will reimburse you the principal and any accumulated interest at any time. You agree to pay the wire transfer fees that apply to the return of the funds to you. RBC Virtual Visa Debits, Third-party payment 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 Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking 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. RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student 13 years of age or above. Students who are 25 years of age or older must present proof of student status each year to maintain their eligibility for a student account. International Money Transfer is available for a $13.50 CAD per transaction fee. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U. dollar account or the RBC High Interest e Savings account. To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. RBC Royal Bank reserves the right to withdraw this offer at any time, even after acceptance by you. Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year. Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and September 30, 2020 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (each an Eligible Personal Banking Account). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the date of account open, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders (the Promotional Offer). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the Promotional Offer. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited. If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you: Subject to credit approval You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible 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 time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Cannot send funds from a US dollar account, or the RBC High Interest e Savings account. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC e Gift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees. Apple, Apple Pay, i Phone, i Pad and Mac Book Pro are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s). View the full list of Terms and Conditions for use of RBC Royal Bank credit cards You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. You must log back into your Ownr account and click ‘Refund Me’ to receive a credit on your credit card account. Your credit card account will be credited within 7–10 business days from requesting refund. Ownr offer may be revised or withdrawn at any time without notice. Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit https:// ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate that is 2.5% above the benchmark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. network access fee for RBC VIP Banking account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. 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. The interest rate is an annual interest rate and a simple interest calculation. Interest is calculated daily on the closing credit balance. Deposit interest is paid monthly to the account on the second business day of the following calendar month, backdated to the previous business day. Interest rate is subject to change at any time without notice. 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 com/nofeecashback You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards points are earned on net purchases only; they are not earned on cash advances, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant, interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. Down payment of less than 20% of the value of a property requires a maximum 25-year amortization and will not qualify for a 30-year amortization. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. This is provided for informational purposes only and is not intended as legal or other professional advice. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. This information is in summary form and is intended for general guidance and information only. It is not intended to provide financial, legal or other advice. It should not be regarded as comprehensive or a substitute for professional advice. This publication provides general information only and is not intended to provide specific advice. Not intended to offer services or solicit customers where prohibited by law. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Offer may be changed or withdrawn at any time, without notice. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. Not available in combination with any other rate discounts, offers or promotions. There are penalties if excess contributions are made. Income earned in an RESP is tax-deferred in Canada. If a Canadian resident is subject to taxation on their world income in another country (e.g. There are penalties if excess contributions are made. based on citizenship), the TFSA income may not be tax-free in that country. If a Canadian resident is subject to taxation on their world income in another country (e.g. taxpayers who contribute to RESPs need to comply with U. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. based on citizenship), the RESP income may not be tax-free in that country. When you use Virtual Visa Debit to make a payment: a) The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-5 business days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase. b) The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details. Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc., on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate. You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional $1.00 Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. 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 at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: com/cashbackterms To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,5 and 2017, $10,0, $5,5 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA. To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) ("Eligible RBC Card"). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) eligible business RBC credit cards and one RBC client card to a Petro-Points account. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusiness Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: com/cashbackterms Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), To get a short-haul flight to any adjoining province/state in Canada or the U. S., you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit https:// Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. All insurance is subject to limitations and exclusions. Insurance benefits are available to Canadian residents only. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates included in your Welcome Kit for complete details. The length of hold will be four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of RBC’s branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will be five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution. The length of hold will also be five (5) business days after the day of deposit if the cheque or other negotiable item is in U. dollars and drawn on a Canadian branch of a Canadian financial institution. The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U. bank and is deposited at a Canadian branch of a Canadian financial institution. The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U. bank and is deposited at a Canadian branch of a Canadian financial institution. To receive the 2,500 bonus RBC Rewards points, your application form must be received and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards Visa card cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. It can be found in all our branches or online at Offer available to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between March 23, 2020 and December 31, 2020 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period. Only RBC newcomer clients who do not have an RBC personal deposit account at the start of the Promotional Period and have otherwise complied with the terms of the offer are eligible for this offer. TELUS is not responsible for determining eligibility for this offer. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2020. Once the Prepaid Top-Up offer has been activated, it will be available for use for a period of 60 days from the time of activation, and any unused portion of the top-up will expire after 60 days unless another top-up or 30- day rate plan is purchased within 7 days of expiry date. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. A $10 credit will be applied to your TELUS account within 30 days after activation and again within 30 days of each date that you renew your plan to a total value of $120. This offer may be withdrawn at any time and is subject to change without notice. TELUS, the TELUS logo, the future is friendly and are trademarks of TELUS Corporation, used under license. If you do not top up your account each month and renew on a 30-day $35 and up rate plan, you will not receive the subsequent credits. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. This offer is available to any Eligible Student Clients which for purposes of this offer includes international students (refer to ^) 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 offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students account (monthly fee of $10.95) or $60 with an RBC student banking account. You must open your first new Eligible Personal Banking Account by PM EST on June 30, 2020 and complete two of the following Qualifying Criteria by PM EST on August 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, Flash, Apple Pay, Google Pay, Samsung Pay or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a qualifying transaction. 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 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. The RBC Rewards Visa is a no fee card that gives you rewards on all the necessities. Starting your earnings off with 1 point for every $1 spent at gas stations, grocery stores, and drugstores, and, on everything else, get 2 points per dollar spent. One perk that really stands out with this card is you'll get instant savings on fuel Purchases at Petro-Canada – 3 cents per litre on fuel, plus 20% bonus Petro Points. On top of that, within the first 60 days of approval, you can earn up to 3,500 bonus points – 500 points by doing each of the following: The RBC Rewards earned with this card can be used for Apple products, products at Best Buy, merchandise, and gift cards. In fact, as an RBC Rewards Visa cardholder, you'll get a discount on those gift cards – $25 gift cards for 2,500 points instead of 3,500. This card also comes with purchase insurance: extended warranty and price protection. If this card isn't quite what you're looking for, the will earn 2 points for every $1 spent on gas, groceries and restaurants (up to $5,000 per year in each category), and 1 point on all other purchases. Use your points for travel, gift cards and a host of other options through MBNA Rewards, where each point is worth 1 cent when redeemed for travel. Rbc rewards visa rbc banque royale visa RBC Rewards gives you the power to earn more RBC Rewards points in more ways and the flexibility to redeem points for nearly endless options -- travel the world, buy merchandise and gift cards from your favourite brands, pay down debt, invest in your future and much more. On the surface, the RBC Rewards Visa Preferred doesn’t seem like the greatest card. Fairly high annual fee, small sign-up bonus, and not the best return on your rewards. However, if net annual rewards aren’t really what you’re looking for, and you tend to look a little deeper, this card could be a contender. What the Words Mean: "Account" means the RBC RewardsVisa Platinum† account in the name of the Primary Cardholder (and includes a joint account applied for by more than one person) or RBC RewardsVisa Platinum† Business account opened in the name of the Business Customer maintained by the Bank in relation to the Card Transactions or Business Card Transactions. "Account in Good Standing" means an Account that is not more than two (2) Account Statement periods past due; is not closed; charged off or in credit revoked status, according to RBC Royal Bank's credit risk policies in effect from time to time; "Account Statement" means your written statement of the Account prepared each month unless there has been no Account activity or no Debit is owing. "Additional Cardholder" means any Cardholder on an Account other than the Primary Cardholder of a personal account and the Business Customer of a business account. "Air Travel Reward" means airline travel booked in exchange for Points; "Application" means the request made to RBC Royal Bank for the Account and a Card; "Authorised Cardholder" means a person to whom the Bank has issued an additional Card on the Account at the Primary Cardholder's or Co- Applicant's request or any persons for whose use a business card is issued by the Bank at the request of the Customer and who also has access the RBC Rewards™ Account in order to view the Points Balance, as well as to redeem, pool or purchase Points. "Business Customer" means an individual and any body corporate or non-corporate in whose name an Account is maintained, and where the Customer consists of two or more persons, then that definition shall throughout mean all or any of them and the liability of such persons shall be joint and several. "Bank" means the RBC legal entity which maintains the Account. "Card" means a RBC Royal Bank Credit Card or RBC Royal Bank Business Credit Card and all renewals of and replacements issued by the Bank in the name of the Cardholder or Customer for that credit card; "Cardholder" means an individual to whom the Bank has issued a RBC RewardsVisa Platinum or RBC RewardsVisa Business Platinum; "Cash Advance" means an advance of cash obtained by use of the Credit Card and is charged to the Account and includes the use of a balance transfer, where applicable. "Cash Back Credit Reward" means a credit applied to an Account in exchange for Points; "Cash-Like Transaction" means a transaction that involves the purchase of items that are similar to or easily converted to cash and that you designate for treatments as a Cash Advance; "Co-Applicant" means a joint account holder under the Account. "My Way Travel Credit Reward" means a credit applied to an Account in order to cover for the purchase of a Travel Reward, in full or on part, in exchange for Points; "Net Purchases" means purchases of goods and services that you or an Additional Cardholder charges to your Account, less any credits; "Point(s)" means RBC Rewards™ points earned on purchases made on your RBC Rewards Visa Platinum and RBC Rewards Visa Business Platinum; "Points Balance" means the points reflected on your Account Statement showing the total number of Points earned to date as well as the points reflected on your online profile at showing complete details of the individual transactions which earned Points, Points redemptions as well as pooled or purchased Points; "Primary Cardholder" means the person who has been nominated as such and in whose name the Bank has opened an Account and to whom Account Statements are provided. "Programme" means the RBC Rewards™ Programme that allows you to earn and redeem Points for Rewards; "RBC Rewards™ Account" means the nominal account RBC Royal Bank opens and maintains in the name of the Primary Cardholder or Business Customer and Additional Cardholders for the crediting and debiting of Points earned, redeemed, pooled or purchased in connection with the Programme; "RBC Rewards™ Redemption Chart" means the chart that is used for each Reward in order to indicate, amongst other information, the dollar value of the Reward, the number of Points required to redeem for the Reward as well as the fees applicable to the redemption. The RBC Rewards™ Redemption Charts are subject to change without notice and when applicable, will be updated on the Programme Website at "RBC Royal Bank", "we", "us","our" means, Royal Bank of Canada, RBC Royal Bank N. V., RBC Royal Bank (Bahamas) Limited or RBC Royal Bank (Barbados) Limited, RBC Royal Bank (Cayman) Limited, or RBC Royal Bank (Trinidad & Tobago) Limited depending on the country in which your Card was issued; and "you" and "your" mean the Primary Cardholder for a personal account and the Business Customer for a business account. In certain circumstances, it can also mean an Additional Cardholder or Cardholder; "Reward" means Travel Rewards, gift certificates/cards redeemable for merchandise or services at select merchants, Travel Gift Certificates and Statement Credit Rewards which is a Cash Back Credit Reward or My Way Travel Credit Reward; "Statement Date" means the date indicated as such on an Account Statement, which is the date on which an Account Statement is generated; "Terms" means these RBC Rewards™ Terms and Conditions; "Transfer" means the ability for an Authorised Cardholder to transfer Points from their RBC Rewards™ Account to another RBC Rewards™ Account. The Programme is a marketing programme that is offered in designated countries in the Caribbean as a benefit for Primary Cardholder, Business Customer and Additional Cardholders on an Account. "Travel Gift Certificate" means a certificate redeemed in exchange for Points that can be used to pay for future Travel Rewards with Montrose Travel, in full or in part; "Travel Reward" means Air Travel Rewards, hotel stays, car rentals, cruises, and vacation packages. This Programme is sponsored by RBC Royal Bank and is administered by Kobie Marketing Inc., an independent contractor not affiliated with RBC Royal Bank. These Terms are separate and distinct from your Cardholder Agreement. Acceptance of Terms If you activate, sign or use your Card, it will mean that you have received and read these Terms and that you have understood and agreed with us to everything written here. The Programme (or as applicable, any feature thereof) is not available and is void where prohibited by any law or regulation. Notwithstanding any other section of these Terms, the posting of the current version of the Terms at shall be deemed notice to you of such Terms, where notice is required or permitted to be given to you here under. Eligibility Cardholders are automatically enrolled in the Programme. There are no additional fees to participate in this Programme. However, Points can only be redeemed by creating an account on or by calling RBC rewards. The Programme, including earning and redeeming Points, is available to you if you have a Card and an Account in Good Standing. Accounts not in Good Standing will not earn Points. For a personal account, Points in the RBC Rewards™ Account are solely for the benefit of the Primary Cardholder, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. For a business account, Points in the RBC Rewards™ Account are solely for the benefit of the Business Customer, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. Different rules apply when multiple Accounts are combined or "pooled", as set out in sections 11 through 14 below. Points cannot be earned until an Account has been established and a Card number has been assigned to you. Points have no cash or monetary value, are non-negotiable, and cannot be redeemed either in whole or in part for cash or any other remuneration, except for Rewards and Rewards-related services offered through the Programme described herein. Notwithstanding the foregoing, RBC Royal Bank reserves the right to approve, deny or revoke membership or the right to participate in the Programme with respect to any person for any reason whatsoever, at RBC Royal Bank's sole discretion. Points do not constitute property of any Cardholder or other person and may not be brokered, bartered, attached, pledged, sold, split or transferred upon disability or death of a Cardholder, operation of law, or in connection with any domestic relations dispute, separation, divorce and/or other legal proceeding. Bonus Points for website registration, email communication opt-in and first purchase is restricted to one bonus per Account. Earning Points With your Card, you will earn Points for Net Purchases in USD or local currency charged to your Account during the operation of the Programme. Transactions will be converted from local currency/non-USD transactions to the equivalent USD for the purpose of earning Points, at the pre-set earn ratios listed below: The earn ratios above are subject to change without notice and when applicable, will be updated on the Programme website at Credits for returns, adjustments or disputed charges reflected on your Account Statements during the operation of the Programme will reduce or cancel the Points earned by the amounts originally charged. No Points shall be earned in respect of Cash Advances, interest charges, fees of any kind, unauthorised charges, redemption or purchase of Points, credit card cheques, lottery tickets, travellers' cheques (those would be Cash-Like Transactions), foreign currency, fraudulent transactions and bail bonds. Points earned between Tuesday and Saturday, except holidays, will post to your RBC Rewards™ Account two (2) business days after receiving transaction data. Points earned on all other days will post within 72 to 96 hours. Additional Points RBC Royal Bank may, but is not obligated to, make arrangements with selected merchants or service establishments from time to time that allow you to earn additional Points for purchases charged to an Account. Earned Points are calculated on transactions/actual dollars spent rounded (up or down) to the nearest Point. You will refer to for full details of these programmes and other opportunities that we may make available to you to earn additional Points from time to time. Welcome bonus points may be issued to new cardholders who apply for a new card as a Primary Cardholder. The welcome bonus points are only awarded once per customer. Existing RBC Visa Platinum cardholders will be ineligible for any new welcome bonus offers. The bonus offer may be changed, extended or withdrawn at any time without notice. Bonus points will not be issued to Co-applicants, Authorized users or for Card replacements. Points Verification You will examine promptly your Points Balance each month. You must notify RBC Royal Bank in writing within 60 days from your statement date of any errors in, or objections to, a Points Balance, or an entry recorded in it. You will not obtain any credit for erroneous or omitted Points transactions if you do not notify RBC Royal Bank of the error or omission within sixty (60) days of the date of the erroneous or omitted transaction. If you have a dispute concerning accrual or redemption of Points and/or other Programme activities, please notify RBC Royal Bank by sending a letter to the address indicated on your Account Statement or by placing a telephone call to the RBC Rewards™ Customer Service Centre. If following such investigation RBC Royal Bank determines it appropriate, RBC Royal Bank will re-credit your Points for the amount in dispute, or determine that a different adjustment or no adjustment is necessary. You can view when your Points are scheduled to expire online at Records of Points and Rewards Our records of your Points and/or Rewards shall be final, conclusive and binding on you. We may use a microfilm, electronic or other reproduction method of any Points Balance or other document to establish your Points transactions and balance and/or your Rewards. "Rolling-up" Points Within an RBC Rewards™ Account (i) Your personal accounts Primary Cardholders who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Primary Cardholder RBC Rewards™ Account. The Primary Cardholder will have access to view the Points Balance, as well as earn, pool, redeem and purchase Points. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to pool, redeem or purchase Points unless they are an Authorised Cardholder. The Primary Cardholder can assign Authorised Cardholder(s) at (ii) Your business accounts Business Customers who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Business Customer's RBC Rewards™ Account. The Business Customer will have permission to view the Points Balance, as well as earn, redeem and purchase Points. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to redeem or purchase Points unless they are an Authorised Cardholder. The Business Customer must contact their account manager or RBC Royal Bank branch to assign Authorised Cardholder(s). Combining RBC Rewards™ Accounts - personal accounts Primary Cardholders or Authorised Cardholders may also "pool" the Points earned with their personal account(s) with those earned with any family member's personal account(s). This pooling functionality is available on all personal accounts and there is no limit to the number of RBC Rewards™ Accounts that can be combined. No existing relationship constraints (same last name, street number, etc.) are required to combine RBC Rewards™ Accounts. All requests for combining RBC Rewards™ Accounts and pooling Points must be completed online by the Primary Cardholder or any Authorized Cardholder through the Programme Website at You must send an electronic invitation to at least one of the Primary Cardholder or Authorised Cardholder(s) of other RBC Rewards™ Accounts that you would like to join a pool. These Cardholders must accept your invitation before RBC Rewards™ Accounts are combined. These Cardholders must acknowledge the terms for combining RBC Rewards™ Accounts and pooling Points, and fully understand that there is an inherent risk for Cardholders when choosing to pool all of the Points they have earned with their personal account(s) with other Cardholder(s) in the pool. Additionally, Cardholders in the pool cannot control specifically which other Cardholder(s) in the pool chooses to invite other Cardholder(s) to join the pool. All Cardholders in an existing pool will be alerted by email (provided they have registered a valid email address) when a Cardholder in the pool invites a new Cardholder to join the pool. All accepted invitations must be validated for security purposes i) against the username and password, for Cardholders that have registered on the Programme Website, and ii) against the actual personal account information, for Cardholders not previously registered on the Programme Website. All Cardholders in the pool will have access to view detailed information on their own RBC Rewards™ Account(s) via the Programme Website by entering their Card login information. Cardholders in the Pool can only see their own personal detailed transaction history attached to their RBC Rewards™ Account, and will have access to view the number of available pooled Points in aggregate. All Cardholders in the pool may redeem any Points available within the pool, regardless of the personal account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Cardholder in the pool without further authorisation or notification from any other Cardholder(s) in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in the pool redeems Points from the aggregate pool. All Points accrued, redeemed and expired will be determined based on a first-in, first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate Cardholders in the pool. When redeeming, the oldest Points in the aggregate pool (first-in) are the first to be redeemed (first-out), regardless of which Cardholder that has requested the actual redemption, or earned the original Points. Leaving the Pool - personal accounts All Cardholders who choose to leave a pool must request to be "unlinked" via the Programme Website. Any Cardholder in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice. If a Cardholder in the pool voluntarily or involuntarily closes their personal account, there will not be a proactive reminder to redeem Points in their own RBC Rewards™ Account. Once the personal account is closed, the Points in this Cardholder's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a personal account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing Cardholder's RBC Rewards™ Account will be retained by that Cardholder, and deducted from the pool. For example, if three (3) Cardholders combine their RBC Rewards™ Account(s) and one (1) Cardholder decides to leave the pool and keep their individual RBC Rewards™ Account segregated, the departing Cardholder's RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Cardholder's RBC Rewards™ Account. Also, each Cardholder can only participate in one pool at any time. If a Cardholder that is participating in one pool accepts an invitation to join another pool, the Cardholder will automatically be unlinked from the original pool and all remaining available Points that the Cardholder had accrued in their own RBC Rewards™ Account, but not yet redeemed, will be transferred to the new pool that he/she agreed to participate in. There is no loss or forfeiture of Points in these scenarios. Combining RBC Rewards™ Accounts - business accounts Business Customers with multiple business accounts in the same operating business name may combine RBC Rewards™ Accounts and "pool" Points earned with their business account(s). Business Customers may also pool their personal account with their business account. This pooling functionality is available on all business accounts and there is no limit to the number of RBC Rewards Accounts that can be combined so long as they are RBC Rewards™ Accounts of the same Business Customer. All requests for combining RBC Rewards™ Accounts and pooling Points must come from a Business Customer and must be completed by an account manager. Business Customers and Authorised Cardholders will have access to view detailed information on each Business Customer's RBC Rewards™ Account(s) via the Programme Website, by entering their Card login information. Business Customers and Authorised Cardholders may redeem any Points available within the pool, regardless of the business account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Business Customer or Authorised Cardholder in the pool without further authorisation or notification to any other Cardholders in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in your pool redeems Points from the aggregate pool. Only the Business Customer(s) and Authorised Cardholders can access, view, redeem or purchase Points. Only the Business Customer(s) has authorisation to modify, add or delete business and personal accounts within the pool. These changes must be completed through your account manager or local branch. All Points accrued, redeemed and expired will be determined based on a first-in first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate. When redeeming, the oldest Points in the aggregate pool, (first-in) are the first to be redeemed (first-out) regardless of which Cardholder that has requested the actual redemption, or earned the original Points. Leaving the Pool- business accounts Business Customer(s) who choose to leave a pool must request to be "unlinked" via their account manager. Any Business Customer in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice, by contacting their account manager or local branch. If a Business Customer in the pool voluntary or involuntarily closes their business account, the Business Customer will not receive a proactive reminder to redeem the Points. Once a business account is closed, the Points in the Business Customer's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a business account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing RBC Rewards™ Account will be retained by the Business Customer, and deducted from the pool. For example, if three (3) RBC Rewards™ Accounts are combined together by a Business Customer and at a later date, one (1) RBC Rewards™ Account is unlinked, then that RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Business Customer's RBC Rewards™ Account. Also, each RBC Rewards™ Account can only participate in one pool at any time. Purchasing Points Authorized Cardholders may purchase additional Points on to be allocated to their RBC Rewards™ Account, in USD or local currency charged to their Account during the operation of the Programme. Points are sold in 1,000 Points increments at a cost of: - $35 USD - $35 BSD - $30 KYD - $70 BBD - $95 XCD - $235.00 TTD - $63.70 ANG - $63.00 AWG The purchase ratios above are subject to change without notice and when applicable, will be updated on the Programme Website at Authorization from RBC Royal Bank for the transaction may be necessary to ensure the credit limit allows for such transaction. Points can be purchased online through the Programme Website at or by calling an RBC Rewards™ Customer Service Centre. All purchased Points will be posted and available immediately, unless authorisation is required and in that instance, the transaction will be authorised within one (1) business day. Once purchased, the transaction is considered final and Points cannot be refunded or exchanged. All of these Terms apply to Points that are purchased. Transferring Points Primary or Authorised Cardholders may Transfer some or all of the Points in the RBC Rewards™ Account to a second RBC Rewards™ Account. Personal RBC Rewards™ Accounts may transfer Points to another RBC Rewards™ Account in your own name or transfer some or all of the Points in your RBC Rewards™ account/pool to any other Personal RBC Rewards™ Account at RBC. Business RBC Rewards™ Accounts may transfer Points to a second RBC Rewards™ Account in your business name with the same ownership. All Point transfers must be completed online through the Programme Website at Your transfers are remitted immediately when processed. You must be registered with an online RBC Rewards™ profile and password to complete a transfer to another RBC Rewards™ Account and accept the terms associated with this transfer. Any Cardholder with the authority to redeem on the RBC Rewards™ Account may transfer Points which includes Primary Cardholder and Business Customer Authorised Cardholders. You will be able to transfer your Points on the RBC Rewards™ redemption website using the Transfer Points feature. The account/pool being debited with Points as well as the account receiving the transferred Points must be with RBC and must be open and in Good Standing. You may not transfer Points to a closed account or to an account outside RBC Rewards™. You may transfer Points by selecting the "Transfer/Gift Points" link and providing the required information to complete the transfer. You must know the full name and 16-digit card number of the recipient account to complete this redemption request. Follow the online steps to complete the recipient's name, RBC Rewards™ card number and from the drop down menu select the Point value of the Transfer you would like remitted from your RBC Rewards™ account/pool to another RBC Rewards™ account. The minimum number of Points you can transfer is 2,500. The transfer may be to your own account or the account of another RBC Rewards™ member. You must be registered on the website and will need to log in to your RBC Rewards™ Account to view your earned Points and conduct the transfer. Points cannot be transferred using the Rewards Customer Service Call Centre. However, you may contact our agents for assistance in completing the Point transfer online. Transferred Points will be determined based on a first-in, first-out (FIFO) accounting convention. All Points are time-stamped according to when they are earned. When transferring, the oldest Points (first-in) are the first to be transferred (first-out). All transferred Points will retain their original expiration date. Points Expiration Points have a maximum four (4) years term, and expire at the end of four (4) years, based on first-in first-out (FIFO) principles. Base and bonus Points will have the same four (4) years expiration term. Points expiring during the year will be cleared from your RBC Rewards™ Account on the last day of the month in which the Points expire. For example, Points earned on November 5, 2012 will expire on November 30, 2016. If your Account becomes more than sixty (60) days past due, you will forfeit all accumulated Points. For any Account in hold or in voluntarily or involuntary closed status, outstanding Points may not be redeemed or pooled with a new or active RBC Rewards™ Account and all Points will be forfeited without further notice or obligation from RBC Royal Bank. Upon the death of a Primary Cardholder who has earned Points through the Programme, that Primary Cardholder's membership will terminate, the personal account will be closed and the Points in the RBC Rewards™ Account will be available for redemption by that Primary Cardholder's estate. Points that have not been redeemed as of ninety (90) days after the deceased Primary Cardholder's personal account is closed will automatically be cancelled and may not subsequently be redeemed or pooled. For a business account, the same principles apply upon the death of a Business Customer. Redeeming your Points for Gift Cards/e Certificates/Certificates (i) General a. You must accumulate the required number of Points for the gift card/e Certificate/certificate(s) of your choice at the time of your request. The number of Points required to redeem for a gift card/e Certificate/certificate is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart; b. Any taxes and basic shipping charges (by prepaid delivery service) are included in the value of the Points redeemed for each item that you order. You understand that you may request an alternate expedited shipping arrangement, as set out in section 18(ii); c. All additional costs for an alternate expedited shipping arrangement are the responsibility of the Cardholder and must be charged to an Account. In some instances, Cardholders will have an opportunity to redeem Points to pay for these additional costs; d. On the date you request your gift card/e Certificate/certificate, your RBC Rewards™ Account will be debited the number of Points you are required to redeem for that gift card/e Certificate/ certificate; e. Gift cards/e Certificates and gift certificates are valid at a variety of international and regional merchants and the use of gift certificates/cards may be subject to certain terms and conditions set by the party issuing the gift certificate/card from time to time; f. Any expiration dates will be printed on the gift card/e Certificate/certificate and cannot be extended beyond the expiration date; g. Gift cards/e Certificates/certificates are not replaceable if lost, stolen, destroyed, or expired; h. Gift cards/e Certificates/certificates may not be resold, are not redeemable for cash and are void if sold for cash or other consideration; i. Gift cards/e Certificates/certificates must be surrendered to the merchant once the full value has been redeemed; j. Gift cards/e Certificates/certificates are considered void if altered, photocopied, or reproduced; k. RBC Royal Bank is not responsible for the failure of any party to honour the gift certificate/card for any reason, including the insolvency or bankruptcy of that party; l. Complete terms and conditions for individual gift cards/e Certificates/certificates can be found on the Programme Website at (ii) Delivery of Gift Cards/e Certificates/Certificates a. Gift cards/certificates will be sent by ordinary mail and you assume full responsibility if they are lost or stolen in the mail, unless you request that they be delivered by prepaid expedited delivery service during normal business hours, whenever possible; b. While we cannot guarantee any delivery times, average delivery by ordinary mail could take up to five (5) weeks from the time your order is received; c. You may also request prepaid expedited delivery service by courier that could take up to five (5) business days and in which case you will be charged a minimum of $60 USD; d. Gift card/certificate will only be shipped to the Cardholder's address on file. e Certificates will be sent to the email on record for your RBC Rewards™ online profile and you assume full responsibility for the email provided to us. Prepaid expedited delivery services are not able to ship to a P. e Certificates should be delivered to your email within 72 hours of redemption. If you do not receive your gift card/e Certificate/certificate within the indicated time frames above, you must contact us within thirty (30) days from the date of your request for the gift card/e Certificate/certificate. After thirty (30) days, if we have not heard from you and our records indicate that your order was fulfilled, you will be deemed to have received your gift card/e Certificate/certificate and it will not be replaced even if it is reported missing; g. RBC Royal Bank is not responsible for delayed or lost communications or redemptions sent by mail or any other form of delivery, including email; h. From time to time, some gift cards/e Certificates/certificates may be subject to certain restrictions or delays due to such factors as time constraints, blackout dates or availability of qualifying gift card/e Certificate/certificate. You will not hold RBC Royal Bank responsible for this. Redeeming your Points for Cash Back Credit Rewards You may redeem your Points for a Cash Back Credit Reward. Credit(s) are normally applied to your Account within 72 hours. The Cash Back Credit Reward is based on the number of Points available to redeem in your RBC Rewards™ Account and will follow the posted RBC Rewards™ Redemption Chart available at As an example, if you have 26,500 Points in your RBC Rewards™ Account, you may request a Cash Back Credit Reward of $250 to be applied to your Account. All Points will be immediately deducted from your available Points Balance. Cash back credit reward does not replace the minimum payment on your account 20. Redeeming your Points for Travel Rewards Regardless of Booking Channel (i) General Rules applicable to all Travel Rewards a. Travel Rewards may be booked without using Points, however, additional fees apply; b. The number of Points required to redeem for a Travel Reward is based on the actual cost of the Travel Reward, the type of Travel Reward and the equivalent dollar value listed in the RBC Rewards™ Redemption Chart. All commissions and transaction fees are included in the cost of the trip, with the exception of trips booked using a Travel Gift Certificate; c. All additional costs not covered by the redemption of the Travel Reward are the responsibility of the Cardholder and must be charged to an Account. In some instances, Cardholders will have an opportunity to redeem Points to pay for these additional costs; d. All Travel Rewards are subject to the rules and restrictions imposed by the individual travel companies, airlines, hotels, car rental companies, cruise lines and tour companies. Compliance with these rules is the responsibility of the traveller; f. RBC Royal Bank is not responsible for the performance of the travel providers associated with the Programme. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability; g. RBC Royal Bank will not be liable for delays or cancellations caused by strikes, labour disputes, government actions, weather or any other causes beyond RBC Royal Bank's control; h. RBC Royal Bank is not responsible for lost, stolen, damaged or destroyed baggage or contents of baggage; i. Once redeemed, Points for cancelled or refunded Travel Rewards may not be reinstated to your RBC Rewards™ Account; j. Certain restrictions may apply to Travel Gift Certificates, airline tickets and cruise documents. Travel Gift Certificates, airline tickets and cruise documents are not exchangeable, refundable, transferable or redeemable for cash; k. Travel Gift Certificates, airline tickets and cruise documents that are mailed will be sent by first class mail and will not be replaceable in the event of loss, destruction or theft. (ii) General Rules applicable to Air Travel Rewards a. The number of Points required to redeem for an Air Travel Reward is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart; b. All Air Travel Rewards issued in exchange for Points are non-refundable and non-transferable after airline ticket issuance; c. For Air Travel Rewards not paid exclusively with Points, changes, exchanges or refunds to/of Air Travel Rewards are subject to airline rules in effect at the time of original airline ticket issuance and pricing in effect at the time changes are made. Fees that apply due to permitted changes by the airline are the responsibility of the traveller; d. Air Travel Rewards must be issued in the name of the Primary Cardholder, Business Customer or Authorised Cardholder or a member of their family; e. Lost, stolen or otherwise destroyed Air Travel Rewards will not be replaced; f. Accrual of frequent flyer mileage and airline mileage upgrade is subject to airline terms and conditions at the time of airline ticket issuance; g. All airline tickets will be issued electronically when available. Issuance of a paper airline ticket is subject to airline rules and fees. A delivery charge will apply to all airline tickets or documents sent via "express" or "traceable" type mail or by overnight carrier and you agree to pay the associated additional delivery fees with your Card. RBC Royal Bank does not recommend using regular mail and maintains no responsibility for lost or stolen airline tickets or document; h. Taxes not related to tickets, such as airport departure taxes specific to certain destinations, that cannot be calculated nor paid in advance nor assessed at the time of airline ticketing, are the responsibility of the traveller and must be paid at the airport; i. However, Cardholders can use the My Way Travel Credit Reward redemption option to book travel to any countries sanctioned by the United States; j. No Air Travel Reward will be issued for destinations under travel embargo by the U. RBC Royal Bank reserves the right to pass on to the Cardholder any special, unique or ad-hoc airline imposed taxes, fees or surcharges; k. Classes of service are subject to change at any time, with or without notice. Three (3) Distinct Options for Redeeming Points for Travel Rewards Primary Cardholders, Business Customers and Authorised Cardholders have three (3) distinct options for redeeming Points for Travel Rewards: (i) "My Way Travel Credit Reward" Cardholders may book any Travel Reward through any certified travel agency of their choosing, including online travel agencies, such as but not limited to: Travelocity†, Expedia†, Montrose Travel†, Hotwire†, or Priceline.com†, by simply charging the purchase to their RBC RewardsVisa Platinum† Account. Once the transaction posts to their Account, the Cardholder must either visit the RBC Rewards™ Website or contact the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward. If the Cardholder requests a My Way Travel Credit Reward for part of the transaction cost, the unredeemed charge will remain on their Account. The amount of Points redeemed and the corresponding My Way Travel Credit Reward cannot exceed the available Points Balance in the Cardholder's RBC Rewards™ Account. Points may be used to cover travel taxes and airline fees. Some other taxes including, but not limited to, APT taxes and stamp taxes are charged to the account separately and may not be included in the Reward credit. As an example, the Cardholder books an airline ticket with an online travel agency at a cost of $475.00 which includes travel taxes and fees required by the airline. The Cardholder charges the entire cost of the airline ticket to an Account. Once the transaction posts to the Account, the Cardholder contacts the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward for the entire $475.00 by redeeming 36,500 Points. All Points will be immediately deducted from their RBC Rewards™ Account. (ii) "Full Service Travel Anywhere" Cardholders may redeem Points in a one-step process for Travel Rewards through our full service travel partner, Montrose Travel. Cruises, hotel stays, car rentals and vacation packages redemptions are available exclusively through Montrose Travel. Air Travel Rewards may also be ordered through Montrose Travel. Airline tickets may not be combined with certain special or promotional fare offer or any other discount, certificate, coupon, senior citizen discount, off-tariff, non-published or other privately negotiated discount fares, group or block discounts, meeting fares, military or other government fares. Additionally, Cardholders can also redeem Points for a $100 to $2,500 "travel discount" which can be applied instantly against any flight of their choice. Some previously purchased airline tickets may be exchanged subject to a per-ticket airline change fee plus any difference in fare. Some previously purchased tickets may not be reissued once travel has commenced. Any changes will incur a $30 USD fee payable at the time the change is made, in addition to the change fee charged by the airline. RBC Royal Bank and Montrose Travel act solely as the sales agent for travel suppliers and neither is liable for actions or inactions of such suppliers. Additional tickets purchased through Montrose Travel will incur a $30 USD per ticket processing fee charged to your Account. RBC Royal Bank reserves the right to pass on to the Cardholder special, unique or ad-hoc airline imposed taxes, fees or surcharges. (iii) "Travel Gift Certificate" Cardholders may redeem Points for a Travel Gift Certificate with Montrose Travel in $100, $300, $500 or $1,000 USD denominations. The number of Points required to redeem for a Travel Gift Certificate is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart. Travel Gift Certificates must be issued in the name of the Cardholder or their designated recipient. Travel agency fees of $30 USD may apply to a booking made with Montrose Travel using a Travel Gift Certificate. Travel Gift Certificates can be redeemed for any travel product excluding car and hotel rentals offered through Montrose Travel. Issuance of a Travel Gift Certificate does not constitute a reservation. In such cases, the certificate holder is responsible for making all reservations with the company that issues the Travel Gift Certificate. How to Place an Order and Redeem Your Points for a Reward To order a Reward, you will contact the RBC Rewards™ Customer Service Centre by calling the number serving your region. RBC Rewards Customer Service Centre: Dutch Caribbean Aruba Tel: (297) 588-0101 Curacao Tel: (599) 763-8438 Bonaire Tel: (599) 717-4500 St. Maarten Tel: 1(721) 546-7288 Saba Tel: (599) 416-2454 Bahamas and Turks & Caicos Islands Customers Nassau Tel: 242-326-CARD (2273) Family Islands Tel: 242-300-8472 Toll-free (from Canada) Tel: 1-800-796-0021 Toll-free (from USA) Tel: 1-800-292-7791 Barbados, Cayman and Eastern Caribbean Islands Customers Barbados Tel: 246-431-6777 Toll-free (from Cayman, EC or outside Barbados) Tel: 1-888-847-5803 Trinidad and Tobago Customers Tel: 1-868-672-1VIP (1-868-672-1847) Toll-free (from Trinidad and Tobago) Tel: 800-ABMS (2267) Redemptions are provided and serviced by the RBC Rewards™ Customer Service Centre. Hours of operations for telephone redemptions are: For general Programme information/action, or to redeem Points for a gift certificate/card, a Travel Gift Certificate or a Statement Credit Reward: - am to pm Eastern Standard Time (EST), Monday through Friday; and am to pm Eastern Standard Time (EST), Saturday. Whether ordering by telephone or online, you must ensure that you provide all order information accurately to avoid unnecessary delays. To redeem Points for a Travel Reward and speak with an agent: - am to pm EST, Monday through Friday; am to pm EST, Saturday The RBC Rewards Customer Service Centre is closed on January 1 and December 25. Additional information and Frequently Asked Questions can also be obtained on the Programme Website at You may also redeem your Points for any Reward directly online, via the Programme Website at RBCrewardscaribbean.com, however, some items may be fulfilled via online submission with a booking being completed by an agent (ie. When using the Programme Website redemption option, you must first create an account user I. When we receive your redemption request, we will review your Account to verify that you have sufficient Points to redeem for the Reward you are requesting. If a credit or other adjustment results in insufficient Points for a Reward, we will not fulfill the redemption request. If the redemption request is fulfilled and a subsequent adjustment is made or we later discover that you did not have sufficient Points for that Reward, you may forfeit future Point earnings until you accrue sufficient Points. You also agree that you owe RBC Royal Bank the value of the redemption in the event you did not have sufficient Points to redeem. Insurance Coverage (i) Visa Insurance Coverage When you book a Travel Reward through the Programme, either by using Points, Points plus a charge to your Account, or a Travel Gift Certificate, you are covered by Visa Insurance Benefits. Should you have to make a claim, you may be required to submit a letter to Visa from RBC Royal Bank confirming that the Travel Reward was purchased using Points, and that no additional claim will be made by you to another insurance provider, even if the entire cost of your Travel Reward was purchased using Points. Copies of this form/letter as well as Visa insurance documents are available on the Card product website at: RBC RewardsVisa Platinum†: RBC RewardsVisa Business Platinum†: The above websites also provide complete insurance details, including the Certificates of Insurance for your Card and how to make a claim. (ii) Automatic Flight Insurance With every Air Travel Reward redeemed through Montrose Travel, each traveller will automatically receive $100,000 USD flight insurance ("Flight Insurance") free of charge. This Flight Insurance is in addition to any insurance available with your Card. The Flight Insurance described below is provided to you at no additional cost by Montrose Travel when we issue your airline ticket. This outline is not a complete description of the coverage. As the ticket holder, you are covered for accidental loss of life, limbs or sight during the flight for which your ticket was issued. Description of Coverage applies 1) while you are riding, boarding or alighting as a ticketed passenger in a scheduled aircraft provided by a regularly scheduled airline, 2) while you are on airport premises or traveling in any licensed public conveyance to and from the airport in connection with your ticketed flight, or 3) while you are riding in any land or water conveyance provided by the airline as a substitute for an aircraft. Benefits: Full benefit is paid to you for accidental loss of life, two limbs, both eyes or one limb and one eye; one-half the amount is paid for loss of limb or one eye. Cost: The premium for this Flight Insurance is paid for by Montrose Travel. Notice of Claim: Written notice of claim should be mailed to Cook & Company, P. The group master policy contains the legal provisions of the plan. Underwritten by National Union Fire Insurance Company of Pittsburgh, PA A Member of the American International Group of Companies 24. Benefits are payable up to one year from the date of the accident. Limits: Under this policy, the aggregate limit of benefit for all covered losses for any one air travel accident is $10,000,000 USD. Exclusions: Coverage does not apply for loss caused by self-inflicted injury, suicide, war, illness or travel for aerial navigation except as expressly provided. Beneficiary: The death benefit will be paid to the Estate of the insured person. Travel Documentation · Upon receipt of travel documents or confirming itinerary, please verify the travel dates, origination and destination cities and traveller's names to ensure they are the same as shown on the valid proof of identification that will be displayed at the time of check-in. · For domestic travel, it is your responsibility to obtain and have possession of government-issued photo identification for all passengers 16 years of age or older or as required by law. Flight Reconfirmation, Airport Check-in, Baggage and Airline Overbooking · Flight times change frequently and without notice. · For international travel, it is your responsibility to obtain and have possession of valid proof of citizenship or naturalisation, vaccination certificates and/or visas before boarding an aircraft or entering another country. Reconfirm your first flight, return or continuing flights directly with the airlines. Domestic flights should be reconfirmed 24 hours in advance and international flights should be reconfirmed 72 hours in advance. Times shown on the itinerary are from the current schedules and subject to change without notice. · Allow a minimum check-in time of 2 hours for domestic flights and 3 hours for international flights. · Airline flights may be overbooked and there is a chance that a seat assignment will not be available on a flight for which a person has a confirmed reservation. If the flight is overbooked, no one will be denied a seat until airline personnel first ask for volunteers willing to give up their reservation in exchange for a payment of the airline's choosing. If there are not enough volunteers, the airline will deny boarding to other persons in accordance with their particular boarding priority. With few exceptions, persons denied boarding involuntarily are entitled to compensation. · Industry regulations require passenger names on all checked baggage and strongly recommend names on all carry-on baggage. · Each airline has their own rules, fees, and weight and size limitations for checked and carry-on luggage. Contact the airline for their regulations prior to your scheduled flight. Car Rental - General Rules and Conditions · All car rental redemptions are subject to the terms and conditions below. Minimum rental age is 25, however age differentials and certain restrictions may apply per the rental company. · The Points values cover the base rental rate only. All taxes, fees, surcharges, extra days, extra hours, upgrades to higher car classes, optional services or equipment (if applicable), are the responsibility of the renter and are payable at the rental counter. · Any taxes and fees levied on extra days, extra hours, upgrades to higher car classes, and optional services (if applicable), are the responsibility of the renter. · A valid credit card in the driver's name must be presented at the rental counter for additional charges. · No refund or credit will be given for unused portions of the rental. · Rentals are subject to standard rental and rate conditions, as well as car availability at the time and place of rental. · Cars must be returned to the original renting location. · Rentals are not combinable with each other, with frequency/loyalty program miles/Points or with any pre-pay rate, tour or group rate, coupon or promotion. · Rentals are non-transferable and must be used for consecutive rental days and will be deemed fully used once a rental has begun. Hotel Stays - General Rules and Conditions · All gift card/certificate redemptions for hotel stays are subject to the terms and conditions below, and other conditions specified herein. · Lost, stolen or otherwise destroyed gift card/certificate redemptions for hotel stays cannot be replaced. · Gift card/certificate redemptions for hotel stays represent cash but are not redeemable for cash. Cruises Booked Through Montrose Travel - General Rules and Conditions · All Points values are per person based on double occupancy - two people occupying one cabin. Gift card/certificates are void if altered, photocopied or reproduced, sold for cash or other consideration. Bed types can be requested but cannot be guaranteed. Additional single supplement fees will be applied if only one person will be occupying the cabin. · Gift card/certificate redemptions for hotel stays are not combinable with upgrade certificates, other promotional certificates, group travel, tour packages, conventions or special rate programmes. Third or fourth passengers in a cabin are priced at the applicable rate for the specific sailing; space is subject to availability. · Rates include cruise fare, all meals, entertainment, and port charges. The passenger is responsible for any government taxes and fees, and on-board gratuities. · Air travel to/from the point of embarkation or debarkation is not included in the redemption. · You may upgrade your cabin category or length of cruise by paying the difference in the cruise price. · Cruise packages may not be combined with frequent traveller promotions or other reward programmes, promotional or discount certificates. Cruises Booked Through Montrose Travel - Cruise Travel Documentation · Upon receipt of confirming itinerary and travel documents, please verify the travel dates, sailing date, ship name, destination cities and travellers' names to ensure they are the same as shown on the valid proof of identification that will be displayed at the time of check-in. · Cruise documents are issued approximately two (2) weeks prior to check-in/embarkation. Vacation Packages Booked Through Montrose Travel - General Rules and Conditions · All Point values are per person based on double occupancy - two people traveling together and occupying one room. · It is your responsibility to obtain and have possession of valid proof of citizenship or naturalization, vaccination certificates and/or visas at the time of boarding, embarkation or entering another country. Additional single supplement fees will be added if only one person will be occupying a room. · All rates shown are "land only" including local room taxes and other amenities, such as transfers, rental cars, etc., as indicated in the package description. · Air transportation is not included in the package price. Such travel may be purchased at the prevailing rates plus taxes and fees. · The passenger is responsible for any government taxes, surcharges, rental car insurance, additional driver fees, under-age driver fees, airport taxes, and gratuities to transfer driver, housekeeper, baggage handler, escort or other individuals. Tax You are responsible for any federal, state or local tax liability for any taxes (including but not limited to personal income tax) and reporting related to your participation/membership in the Programme including any liability relating to any Rewards you redeem under the Programme. You understand that RBC Royal Bank will not issue tax receipts. Changing the Programme and These Terms RBC Royal Bank may change the Programme and these Terms at any time without giving you notice. Programme changes may include, but are not limited to, changes to: (a) any Reward(s); (b) the Points required to be redeemed for any Reward; (c) the bonus Points offers; (d) the redemption levels or criteria; (e) the fees; or (f) the Point accrual criteria. The changes may be prospective and they may be retroactive. When such a change is made, RBC Royal Bank will post a revised version of the Terms on the Programme Website at Changes will be effective on the date noted when they are posted online. RBC Royal Bank may suspend or terminate the Programme at any time upon thirty (30) days notice to you; b. It is your responsibility to review the Terms from time to time to be aware of any such change(s). Should events beyond our control, such as strikes, acts of God, terrorism, civil disturbance, war or changes in economic or business conditions, materially affect our willingness to continue the Programme as it is then constituted, the Programme may be suspended or terminated, in whole or in part, and your Points may be cancelled without notice to you and may not subsequently be redeemed, or pooled; c. RBC Royal Bank may, without notice, suspend or terminate your membership in the Programme, cancel your RBC Rewards™ Account and your Points upon (i) fraud or abuse by you relating to the Programme, (ii) misrepresentation of information to us, (iii) failure by you to follow these Terms, (iv) your personal bankruptcy, or (v) failure by you to earn any Points in any three (3) consecutive years; d. If your Account is closed by RBC Royal Bank for any reason other than a voluntary request from you that we do so, then your participation/membership in the Programme and your Points shall be automatically cancelled without notice to you and your Points may not subsequently be redeemed or pooled. Communications In order to not miss any communication from us about the Programme, you must immediately notify us of any changes to your mailing address and other contact information that you may have provided to us in connection with the Account. RBC Royal Bank shall have no liability for any misdirected, lost or delayed mail resulting from your failure to provide us with such notice. We may also communicate with you electronically and any notice or electronic statement of the Account we provide to you, or agreement you make electronically, will be considered to be "in writing", signed and delivered for all purposes. RBC Royal Bank is not responsible for delayed or lost communications sent by mail or any other form of delivery, including email. Interpretation All questions or disputes regarding the Programme and the interpretation of these Terms will be resolved by us in our sole discretion. Limit on our Responsibility If RBC Royal Bank improperly denies you a Reward you select, our liability will be limited to the cash equivalent of that Reward. In no event will we be liable or responsible for, and you release us from, all claims in respect of any loss or damage suffered by you or others that is caused by: a. failure by us to provide you with one or more Account Statement(s); b. any errors or omissions in the Programme Website and other sources; c. redemption of your Points or any problem that you or others have in connection with your Reward. By redeeming your Points for a Reward, you release us from any and all liability and claims regarding the redemption or use of such Reward; d. redemption of your Points by an Authorised Cardholder; e. suspension or termination of the Programme for any reason; g. suspension or termination of your membership in the Programme, the closing of your Account or the cancellation or invalidation of any or all of your Points; h. failure by the RBC Rewards Customer Service Centre or Montrose Travel to provide you with information which results in travel arrangements that have a higher cost or differ in any way from arrangements which may be available through other sources; j. performance or action of a travel supplier in any way, including the failure of any travel supplier to perform as described. Should circumstances beyond our control result in a supplier's failure to provide a Travel Reward, we may attempt, but are under no obligation, to provide a suitable replacement Travel Reward. In the alternative, we may, but are under no obligation to, credit the Points back to your RBC Rewards Account, and if applicable, money to your Account as well, but will not assume any costs you may incur relating to that Reward; k. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, assumes any responsibility or liability for, or makes any warranty regarding, any error, omission, interruption, deletion, defect, delay in operation or transmission, theft or destruction or unauthorised access to, or alteration of, Points account balances, credits received and redeemed or other Programme activities. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, is responsible or liable for any problem or technical malfunction relating to or arising from any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or enrolment to be received on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to your or any other person's computer related to or resulting from participation in or downloading any materials related to the Programme. if for any reason the Internet portion of the Programme is not capable of functioning as planned, including due to infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Programme, RBC Royal Bank reserves the right, in its sole discretion, to disqualify any individual who it determines may have caused or contributed to the onset of such occurrence, and/or who tampers with the entry process, and to cancel, terminate, modify or suspend the Programme. neither RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel or Programme partners are liable for errors or omissions by its employees, contractors or agents in the printing or other dissemination of Programme communications, Programme mailings, other related materials or the Programme Website, or any other form of communication, and/or in interpreting or carrying out the terms of the Programme. Indemnification By accepting Points or Rewards, or by accepting or using an Account, you agree to indemnify each of RBC Royal Bank, Kobie Marketing, Inc., Montrose Travel, Programme partners, and each of their respective officers, directors, employees, agents, affiliates and successors for any and all claims, damages, expenses, losses and causes of action (including attorney fees and court costs) incurred or suffered by any of the foregoing persons or entities and arising out of or relating to your breach of any provision of these Terms, or any materials (regardless of form) that are provided by you. You agree to cooperate as fully and reasonably required in our defence and/or settlement of any such claim. RBC Royal Bank reserves the right to assume exclusive control over the defence and settlement of any matter subject to indemnification by you. Waiver Any waiver by us of the strict observance, performance or compliance by you of any portion of these Terms and any extension of time or other indulgence granted by us, either expressly or by course of conduct, shall not alter, affect or prejudice any of our other rights or remedies and shall be effective only in the specific instance and for the purpose for which it was given and shall be deemed not to be a waiver of any of our rights and remedies arising in respect of any other breach of these Terms. No delay or omission by us in exercising any right or remedy hereunder shall operate as a waiver of that or any other right or remedy. Damages Any attempt to deliberately damage any Website or undermine the legitimate operation of the Programme is a violation of criminal and civil laws. RBC Royal Bank reserves the right to seek damages for any such attempt to the fullest extent permitted by law. Privacy In addition to section 41 herein below, RBC Royal Bank may exchange Programme and Account related information about you with other parties, such as participating partners, merchants or service providers, as required to administer the Programme or to fulfill your redemption requests under the Programme. Each Cardholder who earns and/or redeems Points and/or receives Rewards consents to, and authorises RBC Royal Bank, any of their respective subsidiaries and affiliates, and any non-affiliated third parties; whether inside or outside your country of residence with whom any of the foregoing contract in order to manage and administer the Programme, to share information about the Cardholder and the Account (including the Programme component) as necessary or appropriate to effect, administer, enforce, service, or fulfill the Terms of the Programme. In addition, if the Cardholder redeems Points at the Programme Website, then the Cardholder thereby consents to and authorises each of the foregoing parties to communicate with the Cardholder through electronic mail in order to accomplish the foregoing purposes. The Cardholder's consents and authorisations shall be effective while the Account is open and shall not be superseded by any future privacy statement. Using your information (a) Collecting your information: We may from time to time collect financial and other information about you such as: · information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal background; · information to establish and maintain the banking relationship with you; · information related to transactions arising from your relationship with and through us, and from other financial institutions; · information you provide on an application for any of our products and services; · information for the provision of products and services; and · information about financial behaviour such as your payment history and credit worthiness. We may collect and confirm this information during the course of our relationship. We may obtain this information from a variety of sources, including from you, from service arrangements you make with or through us, from credit reporting agencies and financial institutions, from registries, from references you provide to us and from other sources, as is necessary for the provision of our products and services. You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies. (b) Using your information: This information may be used from time to time for the following purposes: · to verify your identity and investigate your personal background; · to open and operate your account(s) and provide you with products and services you may request; · to better understand your financial situation; · to determine your eligibility for products and services we offer; · to help us better understand the current and future needs of our clients; · to communicate to you any benefit, feature and other information about products and services you have with us; · to help us better manage our business and your relationship with us; · to maintain the accuracy and integrity of information held by a credit reporting agency; and · as required or permitted by law. For these purposes, we may: · make this information available to our employees, our agents and service providers (including those persons and entities providing services under and in connection with the Programme described herein), whether inside or outside your country of residence, who are required to maintain the confidentiality of this information; · share this information with other financial institutions; and · give credit, financial and other related information to credit reporting agencies who may share it with others. The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located. Upon your request, we may give this information to other persons. We may also use this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under "other uses of your information" for the sole purpose of honouring your choices. If we have your relevant tax number, we may use it for tax-related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you. (c) Other uses of your information · We may use this information to promote our products and services, and promote products and services of third parties we select, which may be of interest to you. We may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided. · We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you. We and RBC companies may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided. You acknowledge that as a result of such sharing they may advise us of those products or services provided. · If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information with information they have about you to allow us and any of them to manage your relationship with RBC companies and our business. You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our parent companies, our affiliates and subsidiaries which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services. (d) Your right to access your information You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about our privacy policies you may do so now or at any time in the future by: (e) Our privacy policies You may obtain more information about our privacy policies by calling us at the number shown above or by visiting our website at com/privacysecurity. Restraint or Closure of Account RBC Royal Bank reserves the right to freeze or close your Account(s) at any time with or without notice to you, as appropriate, if required by law; or if the RBC Royal Bank has reasonable grounds to believe that you did or may commit fraud, use the Account(s) for any unlawful or improper purpose or operate the Account(s) in a manner that it is not in keeping with the law; or if you violate the terms and conditions of any agreement applicable to the Account(s) or any Account(s) related services. RBC Royal Bank may also freeze or close the Account(s) if you are a victim of fraud or identity theft in order to prevent future losses. Governing Law All aspects of the Programme are governed by the laws of the country in which your Card was issued and you hereby submit to the jurisdiction of the courts of that country on any matter relating to this Programme. Disclaimers RBC Royal Bank is not affiliated with any Rewards suppliers or merchants including airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme. No airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme or in any marketing materials, are sponsors or co-sponsors of the Programme. *If there is any conflict between the Cardholder Agreement and this agreement regarding the RBC Rewards Programme, this agreement prevails. ‡All other trademarks are the property of their respective owner(s). Please keep these terms and conditions for your records. Finally, Travel Rewards With No Surprises Love to travel but frustrated by the restrictions of other rewards programmes? With My Way Rewards, your points are as flexible as cash. Redeem points to fly any airline, any flight, any seat, any time – no restrictions and no hidden taxes or fees. You've earned your points, now redeem them how you want. Plan your trip through any online travel website, travel agency or even directly with an airline, hotel or cruise line.


It is important to clarify that "RBC Rewards" and "Points" mean the same thing and will be used interchangeably. Furthermore, the RCB Avion program is an extension of the RBC Rewards Program, providing specific travel rewards. The Avion program accumulates standard RBC Rewards points, the same as other standard RBC Rewards accounts. There is no easy answer to this question, as the dollar value of your points is determined by what flights you redeem them for. Ratehub.ca’s research reveals that on average one RBC Rewards point is worth $0.0114 when redeeming for flights. Here is an RBC Rewards redemption chart summarizing what we found: There is a large discrepancy in the dollar value of your points when redeeming for flights in different flight regions. For example, on average you receive $0.0095/point when redeeming for a flight to Europe, compared to $0.0131/point for a long-haul flight in Canada/US. The example below will demonstrate how to properly value your points and will show the difference in value when redeeming for a flight to Vancouver compared with a flight to Paris. The RBC Rewards program has a unique system of stratifying flight regions based on ticket prices in that region. There are 6 separate regions, each with an individual set number of rewards points required for airline travel, up to a maximum ticket price. If the flight in question is more expensive than the established maximum ticket price, the difference must be paid for with rewards points (at a rate of 100 points/dollar) or in cash. The same holds true for airline taxes and fees as they can be paid for either with points or in cash. To find out the total number of RBC points required to book a flight you must sum: A. Find the price of a flight on Kayak (we use this flight price because if you did not book through RBC you would have your choice of booking through any provider rather than just Travelocity) B. Look up a comparable flight on RBC’s rewards centre on the same date, noting the number of points required and the taxes, fees, and surcharges C. Add the points required for taxes to the general RBC point requirement for a comparable flight (RBC allows you to pay for the additional taxes with points) D. Divide the price of a flight found on Kayak by the total points required for a comparable RBC flight to find the value of one RBC rewards point When redeeming your points for a flight to Vancouver you receive $0.0125/point, which is good value for your points. As you’ll see in the example below, certain flight regions provide poor value for your points. With the RBC Rewards program, you can redeem your points for flights, cruises, tours, hotel stays, VIA Rail travel, car rentals and more. The RBC Avion rewards program is extremely flexible, allowing you to pay for the entire cost of the trip using points at an exclusive value (when using the Avion Air Travel Redemption Schedule). Anthing outside of travel costs, including taxes, fees, and additional insurance can be covered using RBC Reward points at a rate of 100 RBC Rewards points to $1 CAD. To redeem from the Avion Air Travel Redemption Schedule, and gain access to the most valuable offers, air travel must be booked at least 14 days in advance. If you require the added flexibility to book your flight fewer than 14 days in advance you forfeit the savings of using the Avion Air Travel Redemption Schedule, but still have the ability to redeem your points at a rate of 100 RBC Rewards points to $1 CAD. If you do not have enough points to redeem for the reward of your choice, you can charge any remaining balances your points are unable to cover on your card, and actually earn points on that amount charged. A new feature of the RBC Rewards program is the ‘Payback with Points’ option. You are allowed to redeem points directly towards your RBC credit card balance, allowing you to use points to pay for virtually anything purchased on you r credit card. The only limitation of the RBC Rewards program is the restriction to booking flights on Travelocity, rather than having the freedom of using any travel website and choosing the lowest price. All in all, RBC provides one of the most flexible rewards programs on the market, providing you with many convenient options to redeem your points and save you money. The dollar value of your RBC Rewards is determined by what flights you redeem them for. Ratehub.ca’s research reveals that on average one RBC Rewards point is worth $0.0114 when redeeming for flights. Use this as your benchmark and whenever possible save your miles until the value offered is close to or above the benchmark. It’s January 13th, 2015 and we’re trying to book a flight from Toronto to New York’s La Guardia Airport for family day weekend: Friday, Feb 13th – Monday, Feb 16th. On Kayak, we can find a direct flight that will cost $288 including taxes and fees. Through RBC a similar flight would require 15,000 points and an additional $117.56 in taxes and fees. Let’s calculate the value we would receive if we used our points. Since $0.0108/point is of lesser value than the benchmark of $0.0114/point, you will receive a weak return on your RBC Rewards. It is advised that you save your points for a flight that provides you with a greater value for your hard earned points. However, this flight still saves you $288.00 by spending your points. Based on Ratehub.ca’s analysis (shown in detail on the “Value of Points” tab) we have created an RBC Rewards redemption chart for the 6 flight regions and their average value of one RBC Rewards point : Canada: Manitoba, Ontario, Quebec, Nunavut (Direct flights between Iqaluit and Ottawa only). USA: Connecticut, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Hampshire, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, Tennessee, Virginia, Washington DC, Wisconsin. To maximize the value of your points it is important to use your points strategically by flying to destinations that provide good value. The best flight regions are Long haul: Canada/US and Long Haul: Asia, Australia and New Zealand. To maximize the value of your points you should try to redeem your points for flights in these regions. Credit Card and you can redeem for a credit back to your statement. As a registered member you can fly ANY airline, book ANY flight and ANY class seat at any time with NO restrictions. Explore My Way Rewards Redeem for gift certificates that can be used for any trip booked through our full service travel agency partner, Montrose Travel. Apply the certificates toward your own travel or give them as gifts. Rbc rewards visa rbc willowbrook Earn 1 point for every dollar spent with your RBC Credit card. RBC Bank Visa Signature Black Plus cardholders earn 1.5 points for every dollar spent! You can even combine your points with family and friends or transfer your points to your Canadian RBC Rewards account. Signature RBC Rewards Visa Low annual fee no fee for students ^ and RBC Signature No Limit Banking ® clients* Earn rewards like a premium card Great insurance benefits—including car rental, purchase security and extended warranty RBC Rewards gives you the power to earn more RBC Rewards points in more ways and the flexibility to redeem points for nearly endless options -- travel the world, buy merchandise and gift cards from your favourite brands, pay down debt, invest in your future and much more. You also get protection for your purchases and rental vehicle. Take a look at all the coverage that comes with a Visa Signature Black and Signature Black Plus card. credit history, making it easier to qualify for a U. We solve the chicken-and-egg conundrum by using your Canadian credit history when considering your credit card application. You can then use your new card in conjunction with a U.