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Enter now the RBC and Petro Canada Contest, in it, you get the chance to win 1 of 25 prizes of Free Gas for a Year. This contest is open only to legal residents of Canada who have reached the age of majority in their province or territory of residence. Winners will be selected by random draw from among all eligible entries. To enter you must have an RBC Debid or Credit card and link it to a Petro-points card, if you don’t own either of them you can visit the following link to get an account and/or a Petro-Points card. There are 25 prizes available to be won, each consisting of a $2,850 Petro-Canada gift cards. The RBC and Petro Canada Contest Starts August 31, 2018 at AM ET and ends October 21, 2018 at PM ET. The random draw will take place on November 8, 2018. Emails masquerading as notifications from Financial Institutions are an ongoing challenge for consumers. While variations of this type of fraud attempt pop up all of the time, these “phishing” emails have become a regular occurrence. Remember that criminals are behind phishing emails. Their intention is to get at your personal information which they may use to commit financial fraud or identity theft If you are unsure if an email request is legitimate or not, take a few moments to verify the request before you give out information or click on a link. Just ensure that you verify the request using another source, not a source that is provided within the email itself. Remain wary of unsolicited email and always be cautious in your online activity. Those simple steps can help protect you from falling victim to a scam. Your best defence against these email scams remains knowing how to recognize them: The goal of all of these scams is to get you to click on a link or access the fraudsters’ website. The result could be an automatic attempt to secretly load malicious code to your computer. Or the email or website could contain convincing tactics to get you to enter your credit card or other personal information that could be used to commit financial fraud against you. For more information on phishing, including how to report phishing emails and fake websites, please see Email and Website Fraud. Rbc and petro canada rbc la banque en direct Only certain RBC credit cards earn RBC Rewards points. Each time you use your Linked RBC Card that earns RBC Rewards points to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent 20% more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. RBC and Petro-Canada. Our RBCPetro-Canada program helps you save on fuel and earn points faster. Link your Petro-Points card to all of your eligible RBC debit and credit cards online so you can Save 3¢ per litre on fuel * when you use your linked RBC Card † to buy gas or diesel. I can be a lot like George when it comes to earning rewards – I’m always looking to double dip and put more money in my wallet. That means using a rewards credit card to make purchases at a retailer that is also linked to that program. It’s a powerful strategy that helps me earn rewards points faster and save money on everyday purchases. A great example is when you fill up at the gas pump. Pay with your rewards card and you’ll likely earn anywhere from 1 to 4 percent on your purchase. Then swipe your gas station rewards card to earn an additional fuel discount or rewards points to use later. That’s double-dipping at its finest – Costanza would be proud! That’s why I was excited to learn that, starting on October 31, 2017, RBC clients will be able to link their Petro-Points card to any RBC debit or credit card to instantly save 3¢ per litre on fuel, and earn 20 percent more Petro-Points on purchases made at Petro-Canada. RBC Rewards credit card holders will also earn 20 percent more RBC Rewards points on their Petro-Canada purchases. Well, it’s easy and convenient to save at the pump AND earn bonus points. What’s unique about this partnership between RBC and Petro-Canada is that, unlike other loyalty programs where the benefits are limited to a specific card, you can use any linked RBC card in your wallet to save instantly on fuel and earn more points. In this case, clients simply need to choose the RBC debit or credit cards that fit their needs, and link their Petro-Points card to their RBC profile online once at rbc.com/petro-canada. Then they simply need to pay with any RBC card (credit or debit) at Petro-Canada to instantly save 3¢ per litre on fuel and earn bonus Petro-Points. RBC Rewards cardholders will also earn 20% more RBC Rewards points on Petro-Canada purchases. Save a couple of bucks instantly at the pump, plus earn bonus RBC Rewards points AND bonus Petro-Points. RBC clients make sure to visit rbc.com/petro-canada on or after October 31st to link up your Petro-Points card to your RBC online profile. Let’s take a look and compare one regular customer filling up a 65-litre gas tank at a Petro-Canada station in Toronto (average price of $1.059/litre) with one RBC customer filling up the same sized tank at the same Petro-Canada station and paying with his or her RBC Rewards credit card: Wait a minute – wait just a darn minute! Clients should allow two business days to start receiving instant fuel savings and bonus points. With apologies to the Timmy’s of the world, the savings are just too good here to pass up an extra dip. It is no secret that the cost of living is going up in every aspect and in response, Canadians are looking for new ways to pinch their hard-earned dollars. Whether it is using coupons to cut the cost of groceries, buying summer clothing on seasonal clearance for next year or trying to become a budgeting guru, Canadians are keen on finding a way to save on every day necessities. If there is one thing I love better than a good sale, it is reward and instant saving programs. Nothing is more rewarding than knowing I have saved myself some money or earned some rewards for what I was going to buy anyway! When companies marry the two together, it is a marriage that my money-saving heart never wants to see end up in divorce. I love letting you all know about new and innovative ways to save money. So, when I heard that Royal Bank of Canada (“RBC”) and Petro-Canada teamed up to deliver exclusive savings and innovative loyalty benefits to Canadians, I knew I had to share. Starting on October 31, 2017, Canadians will be able to link your Petro-Points card to any of their RBC debit or credit cards to instantly save 3¢ per litre on fuel! If you think that is good, you will also be able to earn 20% more Petro-Points on qualifying purchases made at Petro-Canada. Those who have a RBC Rewards credit card will also earn 20% more RBC Rewards points on their Petro-Canada purchases. It’s almost an Oprah moment, 3¢ savings for you, 20% more points for you, and you, and you, and you! Those savings and points will add up quickly, meaning more money in your pocket and more rewards to enjoy! Saving money at the pump and earning bonus points has never been this easy and convenient. Unlike some other loyalty programs where benefits are limited to a specific card, the RBC Petro-Canada program allows Canadians to use every linked RBC card in their wallet to save instantly on fuel and earn 20% more points. This means if you are not keen on having a credit card you won’t feel like the black sheep as you still qualify for this program! All you have to do is pick which RBC debit or credit cards that fit your needs, and link your Petro-Points card to your RBC profile by visiting the . Once your cards are linked, simply pay with your RBC debit or credit card at Petro-Canada to instantly save 3¢ per litre on fuel and earn those bonus Petro-Points. If you link your RBC Rewards card, you will also earn bonus RBC Rewards points. To celebrate the new RBC Petro-Canada program, RBC and Petro-Canada have generously offered a $100 Petro-Canada gift card for one of my readers to win! This giveaway is open to residents of Canada who are 18 . The giveaway will run from November 1, 2017 until November 15, 2017 at PM EST. To enter the giveaway complete the mandatory entry option in the giveaway widget below. Once you have completed the mandatory entry you will be offered more non-mandatory options to gain additional entries. Complete as many as you’d like to increase your chances of winning! Disclosure: Although this post is sponsored by RBC and Petro-Canada, the opinions and language are all my own, and in no way, do they reflect RBC or Petro-Canada. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, company, provider or party in question. Aimee is a suburban mom of 3 and resides in Richmond Hill, Ontario. She enjoys sewing clothing for her small handmade clothing business, baking, DIY projects both big and small, travel, and finding creative ways to save her family money.


This is the official blog for Rewards Canada.ca, Canada's Frequent Flyer and Travel Rewards Resource since 2001. Disclosure: We receive compensation from some credit card companies featured on this site. Although we are compensated for every credit card that is approved via our website affiliate links, our research and content are based on an objective analysis. Pay with one of the following eligible RBC card(s): Visa Platinum RBC Cash Back Master Card It’s that easy! is it a one time use or many uses like the TRU offer? I currently use Costco with the Rogers WE MC, so get 1.75% back. So purchases of the gift card at CT would get you a 10% on the gas, plus 4% back in CT money, is that right? So sort of a 14% discount if you’re okay with eating CT money? Main terms: Once the offer has been activated, you will receive a 10% statement credit every time you make a fuel transaction of at least $35, including taxes, at a Petro-Canada retail location in Canada, whether you pay at the pump or in store (“Qualifying Purchase”) between January 13 – March 31, 2020 (“Offer Period”) and pay using one of your linked Eligible RBC Card(s). Please allow up to 4-6 weeks after the end of the Offer Period for the 10% credit to appear on the account statement tied to Eligible RBC Card. Maximum of $15 in statement credits per client per Offer Period. Fuel savings, returns or price adjustments that reduce the price of your Qualifying Purchase below $35.00 will cancel your statement credit. Conclusion: Max benefit is $15 credit with $150 worth of gas fill up for this promo. To take advantage of this offer, you must activate it by clicking the “Load Offer” button before you make your purchase. Once the offer has been activated, you will receive a 10% statement credit every time you make a fuel transaction of at least $35, including taxes, at a Petro-Canada retail location in Canada, whether you pay at the pump or in store (“Qualifying Purchase”) between January 13 – March 31, 2020 (“Offer Period”) and pay using one of your linked Eligible RBC Card(s). Please allow up to 4-6 weeks after the end of the Offer Period for the 10% credit to appear on the account statement tied to Eligible RBC Card. Maximum of $15 in statement credits per client per Offer Period. Fuel savings, returns or price adjustments that reduce the price of your Qualifying Purchase below $35.00 will cancel your statement credit. An "Eligible RBC Card" means an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards). **Each time you use any of your linked Eligible RBC Card(s) at a Petro-Canada location in Canada to: (i) pay for any grade of gasoline, or diesel, you will save three cents ($0.03) per litre at the time of the transaction, no minimum purchase required; and (ii) pay for any qualifying purchase (which includes gasoline and diesel), you will (a) earn a bonus of twenty percent (20%) more Petro-Points (“PP Bonus Points”) than you normally earn in accordance with the Petro-Points Terms and Conditions ( and, (b) if your Eligible RBC Card earns RBC Rewards points, you will also earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn (“RBC Bonus Points”) for every one dollar ($1.00) in purchases, including taxes, in accordance with the RBC Rewards Terms and Conditions (available at To benefit from these offers, your Eligible RBC Card account must be in good standing at the time of the transaction. These offers cannot be applied retroactively to previous purchases. Your linked Eligible RBC Card acts as your Petro-Points card. You no longer have to swipe your Petro-Points card when you use your linked Eligible RBC Card to pay for qualifying purchases or redeem your Petro-Points at Petro-Canada. This offer may be combined or used in conjunction with any other offer. Royal Bank of Canada and Petro-Canada reserve the right to cancel, modify or withdraw these offers at any time I got this offer too, but now I'm wondering if we'll have to call around to have them actually apply the promotional balance, much like it seems everyone with the recent toys r us offer is having to do? Rbc and petro canada royal bank rates RBC clients will soon be able to link their Petro-Points card to any RBC card to save on fuel and earn Petro-Points and RBC Rewards. This fall, two of Canada’s iconic brands work together to reinvent how Canadians save on fuel and participate in the Petro-Points and RBC Rewards programs Not all RBC debit or credit cards earn RBC Reward points. Each time you use your linked Eligible RBC Rewards Credit Card to pay for purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent 20% more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Only certain RBC credit cards earn RBC Rewards points. Each time you use your Linked RBC Card that earns RBC Rewards points to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent 20% more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Moving to a new country can be overwhelming and will include many questions. Let us make your transition easier by providing you with trusted advice and resources to help you get off to a great start. As you build your new life in Canada, let us help you take the next step towards getting settled. Whether you feel ready to buy a home, invest or start a business—or you just need banking and credit assistance—we can help. 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.