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RBC Rewards® Terms & Conditions



Table of Contents

  1. Definitions
  2. General Terms
  3. Acceptance of Terms
  4. Accounts and Cards in Good Standing
  5. Eligibility for an RBC Rewards Account
    1. In an Individual Earn scenario
    2. In a Points Roll-Up scenario
  6. Earning Points for Net Purchases
  7. Earning additional or bonus Points
  8. Earning bonus Points in the RBC Rewards eMall
  9. Posting of Points
  10. Account Statement verification
  11. Records of Points and Rewards
  12. Redemption and Transfer of Points
  13. Conversion of Points
  14. Points Roll-Up option
  15. Redeeming Points
  16. Best Buy – Redeeming Points for merchandise
  17. Apple – Redeeming Points for merchandise
  18. Payback With Points – Redeeming Points to make a payment on your Account
  19. RBC Direct Investing online – Trade with Points and Cash Contributions
  20. Air Travel Rewards – Redeeming Points for Air Travel Rewards
  21. RBC Travel Rewards – Redeeming Points for RBC Travel Rewards
  22. Travel Rewards – Fees and other service charges for Travel Rewards redemptions
  23. Travel Rewards – Cancelation of Travel Rewards
  24. Travel insurance
  25. Limit of our responsibility
  26. Death, divorce and closure of the Card/Account
  27. Currency
  28. Communications
  29. Use of information
  30. Waiver
  31. Tax
  32. Changing the Program and these Terms
  33. Suspension or termination of the Program
  34. Interpretation
  35. How to contact Royal Bank

RBC REWARDS TERMS AND CONDITIONS


  1. Definitions

    "You" or "your" means: (i) the Personal Applicant and/or the Co-Applicant on a Personal Account; (ii) the Primary Business Cardholder and/or the Secondary Business on an RBC Royal Bank Visa CreditLine for Small Business Account; (iii) a Primary Business Cardholder and/or a Participating Cardholder on a Business Avion Account; (iv) the Commercial Applicant, a Points Owner and/or a Participating Cardholder on a Commercial Avion Account; or (v) an Eligible Personal Banking Client; and: "Royal Bank", "we", "us" or "our" means Royal Bank of Canada.

    "Account" means the RBC® Avion® Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, RBC Visa Infinite for Private Banking, RBC Visa Infinite Avion, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC Visa Gold Preferred, RBC Visa Platinum Preferred, Signature® RBC Rewards Visa, RBC Rewards Visa Gold, RBC Rewards Visa Classic, RBC U.S. Dollar Visa Gold, RBC Visa Classic II, RBC Visa Classic II Student, RBC Mike Weir Visa, RBC Visa Business Platinum Avion, RBC Royal Bank Visa CreditLine for Small Business ("CLSB") or RBC Commercial Avion Visa account.

    "Account Statement" means the monthly paper or electronic statement of the Account that we prepare approximately every four (4) weeks (the period covered by each Account Statement vary between twenty-seven (27) days and thirty-four (34) days) and, for the RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking and RBC Visa Infinite for Private Banking accounts only, the year-end summary of the Account charges, broken down by spend categories, we provide in February of each year.

    "Air Travel Reward" means air travel that Points can be redeemed for in accordance with the Redemption Schedule, and which is only available to Avion Participants if booked at least fourteen (14) days in advance of departure.

    "Alternate Contact" means a single individual appointed in our prescribed manner, by you or by a Designate on a Commercial Avion Account, who is authorized to redeem Points on your behalf, exclusively for Travel Rewards, as per these Terms. An Alternate Contact is not authorized to do any other transactions with the Points, nor redeem Points for any other type of reward. An Alternate Contact does not have to be a Cardholder on the Account, or employed by the Business Avion Applicant or the Commercial Applicant.

    "Authorized User" means an individual, other than the Personal Applicant and the Co-Applicant, to whom we issue a Card on a Personal Account at the request of the Personal Applicant or the Co-Applicant.

    "Authorized Person" means a representative of a Business Applicant or a Commercial Applicant, including individual owner, partner, shareholder or authorized signing officer.

    "Avion Account" means a Personal Avion Account, a Business Avion Account or a Commercial Avion Account.

    "Avion Participant" means: (i) the Personal Applicant and the Co-Applicant on a Personal Avion Account; (ii) a Primary Business Cardholder on a Business Avion Account who is in an Individual Earn scenario; (iii) a Primary Business Cardholder on a Business Avion Account who is the owner of a Recipient Account in a Points Roll-Up scenario; (iv) a Participating Cardholder on a Business Avion Account or a Commercial Account; (v) a Points Owner on a Commercial Account; and (vi) an Eligible Personal Banking Client. For greater certainty, Authorized Users and Employee Cardholders who are not in an Individual Earn scenario are not Avion Participants.

    "Business Account" means an RBC Visa Business Platinum Avion Account or a CLSB Account.

    "Business Applicant" means the person or entity that applies for a Business Account.

    "Business Avion" means an RBC Visa Business Platinum Avion Account/Card.

    "Business Avion Applicant" means the person or entity that applies for an RBC Visa Business Platinum Avion Account/Card.

    "Card" means any credit card we issue on an Account and all renewals of, and replacements for, that credit card.

    "Cardholder" means an individual to whom we issue a Card on an Account.

    "Cash Advance" means a type of transaction made with or in connection with the Card including, a cash withdrawal, an RBC Royal Bank credit card cheque, a balance transfer, certain bill payments and a Quasi-Cash Transaction, that is charged to an Account.

    "Charity Reward" means a redemption of Points to make a charitable donation to the Canadian Olympic Foundation’s "Own the Podium" campaign, "Hope Air" and such other registered charitable organizations as we may designate from time to time.

    "Co-Applicant" means an individual who applies for a Personal Account as the co-applicant, and to whom we have issued a Card.

    "Commercial Applicant" means the entity that applies for a Commercial Avion Account.

    "Commercial Avion" means an RBC Commercial Avion Visa Account/Card.

    "CWT Personal Travel Advisor" means the Carlson Wagonlit Travel personal travel advisor at "Visa Infinite Travel Services" dedicated to RBC Visa Infinite for Private Banking Cardholders and RBC Avion Visa Infinite Privilege for Private Banking Cardholders only.

    "Designate" means, for Commercial Avion Accounts in a Points Roll-Up scenario where Points are for the benefit of the Commercial Applicant only, a single individual employed and appointed in our prescribed manner by the Commercial Applicant, who is authorized to redeem Points from the Recipient Account on behalf of the Commercial Applicant, in accordance with these Terms. For greater certainty, a Designate is not the owner of the Points in the Recipient Account and is only acting on the Commercial Applicant’s behalf for Points redemption purposes.

    "Eligible Personal Banking Client" means a client of Royal Bank who earns Points for enrolling in and/or holding an eligible RBC Royal Bank product or service other than an Account, as per Royal Bank’s offers available from time to time, and who is complying with the corresponding "RBC Rewards in Banking Terms and Conditions" in force from time to time.

    "Employee Cardholder" means a physical person, who may or may not be an Authorized Person, who is hired by a Business Applicant or a Commercial Applicant, and to whom Royal Bank has issued a Card at the request of the Business Applicant or the Commercial Applicant.

    "Good Standing" has the meaning given in the "Accounts and Cards in Good Standing" section of these Terms.

    "Individual Earn" means an option that a Business Avion Applicant or a Commercial Applicant can select for all or certain Employee Cardholders on a Business Avion Account or a Commercial Avion Account and that, if selected, allows for those Employee Cardholders to have access to and redeem the Points earned with their Card for their own benefit.

    "Net Purchase" means the full amount charged to an Account for a purchase of goods and/or services made by a Cardholder, including taxes, less any credits.

    "Originating Account" means, in a Points-Roll-Up scenario only, an RBC Rewards Account from which Points "roll-up" to a Recipient Account.

    "Participating Cardholder" means an Employee Cardholder, in an Individual Earn scenario, to whom the Business Applicant or the Commercial Applicant, as the case may be, gives access to the Points earned with their Card and who is allowed to redeem the Points for their own benefit.

    "Personal Account" means each of the following Accounts: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, RBC Visa Infinite for Private Banking, RBC Visa Infinite Avion, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC Visa Gold Preferred, RBC Visa Platinum Preferred, Signature RBC Rewards Visa, RBC Rewards Visa Gold, RBC Rewards Visa Classic, RBC U.S. Dollar Visa Gold, RBC Visa Classic II, RBC Visa Classic II Student or RBC Mike Weir Visa account.

    "Personal Applicant" means the individual who has applied for a Personal Account and who is the primary Cardholder on the Personal Account, to whom Royal Bank has issued a Card and in whose name the Personal Account is established. For greater certainty, a Personal Applicant does not include a Co-Applicant or an Authorized User.

    "Personal Avion" means either the RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, RBC Visa Infinite Avion, or RBC Visa Platinum Avion Account/Card.

    "Point" means an RBC Rewards point.

    "Points Owner" means a physical person designated and employed by the Commercial Applicant, who may or may not be an Authorized Person and/or an Employee Cardholder, to whom the Commercial Applicant gives access to, and ownership of, the Points contained in the Recipient Account, and who is allowed to redeem the Points for their own benefit.

    "Points Roll-Up" means an option that a Business Avion Applicant or a Commercial Applicant can select for all or certain Employee Cardholders on a Business Avion Account or a Commercial Avion Account and that, if selected, allows for Points earned by these Employee Cardholders to: (i) move to one or more Recipient Accounts designated by the Business Avion Applicant, or (ii) move to one Recipient Account designated by the Commercial Applicant. For greater certainty, this means that these Employee Cardholders would not have access, nor be able to redeem the Points earned with their Card.

    "Primary Business Cardholder" means an Authorized Person who has applied for a Business Account and who is a primary Cardholder on the Business Account, to whom we have issued a Card and who is authorized to give Royal Bank directions regarding the participation of the Business Applicant, the Secondary Business Cardholder(s) and the Employee Cardholders in the Program.

    "Program" means the RBC Rewards program.

    "Quasi-Cash Transaction" means a transaction that is similar or easily converted to cash and that Royal Bank treats as a Cash Advance, including a money order, a wire transfer, a travellers’ cheque and gaming transactions (including betting, off-track betting, race track wagers and casino gaming chips).

    "RBC Financial Rewards®" means the redemption of Points for a voucher that may be used to make a contribution towards any of the registered plans listed under the RBC Registered Rewards® category, or applied towards any of the following financial products: RBC Mortgage, RBC Homeline Plan®, Royal Credit Line® and RBC Personal Loan in accordance with these Terms.

    "RBC Mortgage" means a 1st ranking residential mortgage (in Quebec, a "hypothec") on an owner-occupied residential property of four (4) units or less, or an RBC Homeline Plan, granted by you as borrower or co-borrower to Royal Bank of Canada, Royal Trust Corporation of Canada or The Royal Trust Company.

    "RBC Personal Loan" means a loan granted to you for personal use including variable rate, fixed rate and conditional sales contracts through our retail dealer services that are assigned to Royal Bank of Canada. This excludes any loan that is not in good standing both at the time your Points are redeemed and the time the RBC Financial Rewards voucher is applied towards your loan.

    "RBC Registered Rewards" means a category of RBC Financial Rewards comprised of any of the following registered plans: Registered Retirement Savings Plan ("RRSP"), Registered Education Savings Plan ("RESP"), Registered Disability Savings Plan ("RDSP") and/or Tax-Free Savings Account ("TFSA") held with Royal Bank of Canada, RBC Dominion Securities Inc., RBC Direct Investing Inc. or RBC Phillips, Hager & North Investment Counsel Inc.

    "RBC Rewards Account" means the nominal account tied to an Account or a Card, or the nominal account tied to the personal deposit account of an Eligible Personal Banking Client, that Royal Bank opens and maintains for the crediting and debiting of Points in connection with the Program. In a Points Roll-Up scenario, the RBC Rewards Account can also be referred to as the Originating Account or the Recipient Account.

    "RBC Travel Rewards" means all travel rewards offered through the Program, other than an Air Travel Reward.

    "Recipient Account" means, in a Points-Roll-Up scenario only, an RBC Rewards Account to which Points move to, from one or more an Originating Accounts.

    "Redemption Schedule" means the current "Air Travel Redemption Schedule" which is only available to Avion Participants and that allows them to book for an Air Travel Reward for a fixed number of Points, depending on the travel destination and the price of the airline ticket. The current Redemption Schedule may be found on our web site at www.rbcrewards.com (opens new window).

    "Reward(s)" means Travel Rewards, merchandise, gift cards/certificates redeemable for merchandise or services at select merchants (including the RBC Visa Gift Card), RBC Financial Rewards and Charity Rewards that Points may be redeemed for under the Program.

    "Secondary Business Cardholder" means an Authorized Person who is the secondary Cardholder on a CLSB Account and to whom Royal Bank has issued a Card.

    "Statement Date" means the date on which the Account Statement is prepared, which corresponds to the last day of the Account Statement period.

    "Terms" means these RBC Rewards Terms and Conditions; and

    "Travel Rewards" means RBC Travel Rewards and Air Travel Rewards, collectively.

You agree with us as follows:

  1. General Terms

    Points are earned for any Net Purchase made by any Cardholder on an Account, everywhere the Card is accepted, worldwide, beginning as soon as an Account is open.

    While you are responsible for any charges and fees applicable to your Account, the Program is offered to you at no extra cost and is in addition to the other benefits that come with your Account and Card(s).

  2. Acceptance of Terms

    These Terms apply to the Program. The agreements applicable to your Account and the Cards are issued separately.

    If you activate, sign or use your Card or your Account, or as soon as any Cardholder on your Account uses their Card, it means that you have read these Terms and that you understand and agree with us to everything written here. Notwithstanding any other section of these Terms, the posting of the current version of the Terms at www.rbcrewards.com (opens new window) is deemed notice to you of such Terms, where notice is required or permitted to be given hereunder. These Terms replace all prior terms and conditions with respect to the Program.

  3. Accounts and Cards in Good Standing

    The Program is available to you if you have an Account and/or a Card in Good Standing, or if you are an Eligible Personal Banking Client in Good Standing. To earn Points on Net Purchases, a Cardholder’s Card must be in Good Standing, which means that it must not be more than two (2) consecutive Account Statement periods past due, closed, charged off or in credit revoked status at the time the Net Purchase is posted to the Account, all according to our credit risk policies, which may change from time to time.

    For redemption of Points to be allowed, the Account needs to be in Good Standing, which means that:

    1. For a Personal Account, all Cards issued on the Personal Account need to be in Good Standing. If the Personal Account is more than ninety (90) days past due, no Cardholder can earn nor redeem Points.

    2. For a Business Account: (i) in an Individual Earn scenario, the Participating Cardholder’s Card needs to be in Good Standing for the Participating Cardholder to be able to redeem Points; and (ii) in a Points Roll-Up scenario, the Primary Business Cardholder’s Card, tied to a Recipient Account, needs to be in Good Standing for the Primary Business Cardholder to be able to redeem Points. If the Business Account is more than ninety (90) days past due, no Cardholder can earn nor redeem Points.

    3. For a Commercial Account: (i) in an Individual Earn scenario, the Participating Cardholder’s Card needs to be in Good Standing for the Participating Cardholder to be able to redeem Points; (ii) in a Points Roll-Up scenario where Points are for the benefit of a Points Owner, the Points Owner’s Card, tied to a Recipient Account, needs to be in Good Standing for the Points Owner to be able to redeem Points; and (iii) in a Points Roll-Up scenario where Points are for the benefit of a Designate, the Commercial Account must not be more than ninety (90) days past due. If the Commercial Account is more than ninety (90) days past due, no Cardholder, Points Owner or Designate can earn nor redeem Points.

    For Eligible Personal Banking Clients, Good Standing has the meaning given in the "RBC Rewards in Banking Terms and Conditions" in force from time to time and, when related to a personal deposit account, it means an account that is not overdrawn.

  4. Eligibility for an RBC Rewards Account

    1. Personal Accounts:
    2. There is only one RBC Rewards Account per Personal Account. The RBC Rewards Account is tied to the Card of the Personal Applicant and Points are solely for the benefit of the Personal Applicant, subject to the ability of the Co-Applicant to redeem Points as set out in the "Redemption and Transfer of Points" section of these Terms.

    3. CLSB Accounts:
    4. There is only one RBC Rewards Account per CLSB Account. The RBC Rewards Account is tied to the Card of the Primary Business Cardholder and Points are solely for the benefit of the Primary Business Cardholder, subject to the ability of the Secondary Business Cardholder to redeem Points as set out in the "Redemption and Transfer of Points" section of these Terms.

    5. Business Avion Accounts:
    6. There is one RBC Rewards Account tied to each Card on a Business Avion Account and: (i) Points in the RBC Rewards Account tied to the Card of a Primary Business Cardholder in an Individual Earn scenario are solely for the benefit of that Primary Business Cardholder; (ii) Points in the RBC Rewards Account tied to the Card of an Participating Cardholder in an Individual Earn scenario are solely for the benefit of that Participating Cardholder; (iii) Points in the Recipient Account tied to the Card of a Primary Business Cardholder in a Points Roll-Up scenario are solely for the benefit of that Primary Business Cardholder.

    7. Commercial Avion Accounts:
      1. In an Individual Earn scenario
      2. There is one RBC Rewards Account tied to each Card and Points in the RBC Rewards Account tied to the Card of a Participating Cardholder are solely for the benefit of that Participating Cardholder.

      3. In a Points Roll-Up scenario
      4. There is one Recipient Account tied to the Commercial Applicant and Points in the Recipient Account tied to the Commercial Applicant are, at the Commercial Applicant’s choice, solely for the benefit of either: (A) the Commercial Applicant; or (B) one (1) designated Points Owner.

    8. Eligible Personal Banking Clients:
    9. Eligibility rules for Eligible Personal Banking Clients are described in the "RBC Rewards in Banking Terms and Conditions" in force from time to time.

    10. Exceptions:
    11. While all Cards are automatically included in the Program for the purpose of earning Points, Co-Applicants, Authorized Users, Secondary Business Cardholders and Employee Cardholders have no rights against Royal Bank under these Terms, notwithstanding Co-Applicants' (for Personal Accounts), Secondary Business Cardholders' (for CLSB Accounts) and Participating Cardholders' (for Business Avion Accounts or Commercial Avion Accounts in an Individual Earn scenario) ability to redeem Points as set out above.

  5. Earning Points for Net Purchases

    The Program is based on Points. Points awarded under the Program have no cash value and do not constitute your property for any purpose. Points may only be redeemed, or transferred, converted, or moved to another RBC Rewards Account or another loyalty program with partners that Royal Bank designates from time to time, in accordance with these Terms.

    1. For the following Accounts:
      • RBC Avion Visa Infinite Privilege or RBC Avion Visa Infinite Privilege for Private Banking

        The RBC Rewards Account is awarded 1.25 Points for every $1.00 in Net Purchases charged to the Account during the operation of the Program.

      • RBC Visa Infinite Avion

        The RBC Rewards Account is awarded (i) one (1) Point for every $1.00 in Net Purchases charged to the Account during the operation of the Program, other than Travel Purchases; (ii) and 1.25 Points for every $1.00 in Net Purchases charged to the Account during the operation of the Program, which are Travel Purchases. Please note that the extra 0.25 Points you earn on Travel Purchases appears on your Account Statement, in your Points transaction history, as a "bonus".

        A "Travel Purchase" is a travel-related purchase made at a merchant that is classified by a merchant category code as "travel", which may include: air travel, hotel stays, cruises, vacation packages and car rentals. Some merchants may sell these products/services, or are separate merchants that are located on the premises of merchants that are classified by a merchant category code as "travel", but are coded in another manner, in which case purchases made at these locations may not qualify for this added benefit.

    1. For the following Accounts:
      • RBC Visa Platinum Avion
      • RBC Visa Business Platinum Avion
      • RBC Commercial Avion Visa
      • RBC Visa Infinite
      • RBC Rewards Visa Preferred
      • RBC Visa Gold Preferred
      • RBC Visa Platinum Preferred
      • Signature RBC Rewards Visa
      • RBC Visa Classic II
      • RBC Visa Classic II Student
      • RBC U.S. Dollar Visa Gold
      • RBC Mike Weir Visa

      The RBC Rewards Account is awarded one (1) Point for every $1.00 in Net Purchases charged to the Account during the operation of the Program.

    2. For the following Accounts:
      • RBC Rewards Visa Gold
      • RBC Rewards Visa Classic
      • CLSB

      The RBC Rewards Account is awarded one (1) Point for every $2.00 in Net Purchases charged to the Account during the operation of the Program.

      Note: the earn rate may be adjusted periodically to reflect currency fluctuations.

      No Points are earned on Cash Advances, interest charges, fees or for the redemption of Points.

  6. Earning additional or bonus Points

    We may, but are not obligated to, make arrangements with selected merchants, retailers or service providers from time to time that allow you to earn additional or bonus Points for purchases charged to the Account, or for any other activity. The Carlson Wagonlit Travel Program(1) and the Thrifty Car Rental Program(2) are examples of such additional/bonus Points earning opportunities.

    You will refer to www.rbcrewards.com (opens new window) for full details on these programs and other additional/bonus Points earning opportunities that we may make available to you from time to time.

  7. Earning bonus Points in the RBC Rewards eMall

    You can earn bonus Points for making a purchase at a participating retailer through the RBC Rewards eMall(3). Bonus Points are earned ONLY when accessing a participating retailer's website from the RBC Rewards eMall and making a purchase in accordance with the participating retailer's offer terms and conditions. The participating retailers, not Royal Bank, are responsible for the offers and for the purchases made in the RBC Rewards eMall. Participating retailers establish the rules for each offer, including how the bonus Points are earned, when the offer expires and any other terms, conditions and restrictions.

    Details on participating retailers and their respective bonus Points offers can be found in the RBC Rewards eMall. The list of participating retailers and offers are subject to change without notice. Before making a purchase, you will review the details of the offer.

    It will take at least thirty (30) days for bonus Points to be credited to an RBC Rewards Account after a qualifying purchase is made, although it may take up to ninety (90) days for them to appear on the Account Statement. Once credited to the RBC Rewards Account, bonus Points have the same value as all other Points earned with your Card. If bonus Points you earned do not appear on the Account Statement within ninety (90) days of the qualifying purchase, please contact Royal Bank. Bonus Points may not be added to an RBC Rewards Account after ninety (90) days from the date the qualifying purchase is made and any missing bonus Points may be considered waived.

    For inquiries about purchases made at participating retailers through the RBC Rewards eMall, please contact the participating retailer.

    For inquiries about an RBC Rewards Account or the bonus Points, please contact Royal Bank at the number indicated in the "How to contact Royal Bank" section of these Terms.

  8. Posting of Points

    Except as otherwise stated in these Terms, Points are earned and available for redemption once the Net Purchase for which the Points are earned is posted to the Account Statement. If a Net Purchase is made prior to the Statement Date but is not processed by the merchant, the Visa system or Royal Bank by the Statement Date, it will not appear on that Account Statement. As a result, the posting of some Net Purchases and the accumulation of Points for those Net Purchases may be delayed to the next Account Statement.

    Credits for returns or adjustments reflected on an Account Statement during the operation of the Program will reduce or cancel the Points earned by the Net Purchases originally charged.

  9. Account Statement verification

    For all Accounts except Commercial Avion Accounts, a section on each Account Statement shows Points transactions and balance ("Points Statement").

    For Commercial Accounts in an Individual Earn scenario, the number of Points earned during the current Account Statement period ("Points Statement") only appears on the billing or memo Account Statement of Participating Cardholders, depending on the billing type the Commercial Applicant has selected.

    For Commercial Accounts in a Points Roll-Up scenario, the number of Points earned during the current Account Statement period ("Points Statement") only appears on the billing or memo Account Statement of the Commercial Applicant, depending on the billing type the Commercial Applicant has selected.

    Each month, you will examine promptly the Points Statement, and each entry and balance recorded in it, if applicable to your Account. If you do not notify us in writing of any error, omission or objection to a Points Statement, or an entry or balance recorded in it, if applicable to your Account, within ninety (90) days from the Statement Date, we are entitled to treat the Points Statement as complete, correct and binding on you and we will be released from all claims that may be asserted by you in respect of such Points Statement.

    You will not obtain any credit for erroneous or omitted Points transactions if you do not notify us of the error or omission within one (1) year of the date of the erroneous or omitted Points transaction.

    However, Royal Bank reserves the right to make any adjustments and correct any errors pertaining to your Points, at any time and for any reason, including if Points have been erroneously earned or credited to your RBC Rewards Account, or earned at an incorrect, higher earn rate.

    To find out exactly how many Points there is in your RBC Rewards Account, please visit: rbcrewards.com (opens new window).

  10. Records of Points and Rewards

    Our records of your Points and/or Rewards will be final, conclusive and binding on you. We may use a microfilm, an electronic or other reproduction method of any Points Statement or other document to establish your Points transactions and balance and/or your Rewards.

  11. Redemption and Transfer of Points

    1. General:

      Points must be redeemed during the operation of the Program and during the time that the Account is in Good Standing, in accordance with the "Accounts and Cards in Good Standing" section of these Terms.

      On the date Points are redeemed for a Reward, the RBC Rewards Account is debited the number of Points required for that Reward.

      A transfer of Points from an RBC Rewards Account to another eligible RBC Rewards Account as set out in this section, constitutes a redemption of Points for all purposes of these Terms.

    2. Personal Avion Accounts and RBC Visa Infinite for Private Banking Accounts:

      The Personal Applicant and the Co-Applicant may redeem the Points in the RBC Rewards Account, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account or an RBC Visa Infinite for Private Banking Account the Personal Applicant or the Co-Applicant also owns as a Personal Applicant or a Co-Applicant; (ii) a Business Avion Account the Personal Applicant or the Co-Applicant also owns as a Primary Business Cardholder or a Participating Cardholder; (iii) a Commercial Avion Account the Personal Applicant or the Co-Applicant also owns as a Points Owner or a Participating Cardholder; (iv) an Eligible Personal Banking Client, at any time, upon request.

      For those who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on their behalf, but cannot transfer the Points to any other RBC Rewards Account nor redeem Points for any other type of reward.

      If the Co-Applicant or an Alternate Contact redeems the Points in the RBC Rewards Account, or if the Co-Applicant transfers the Points to another eligible RBC Rewards Account as set out above, we deem them to be doing so as the Personal Applicant’s agent, with full authority to redeem/transfer the Points on their behalf, even if the Points are redeemed/transferred for the benefit of the Co-Applicant, an Authorized User or any other person.

    3. Personal Accounts, other than Personal Avion Accounts and RBC Visa Infinite for Private Banking Accounts:

      The Personal Applicant and the Co-Applicant may redeem the Points in the RBC Rewards Account, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Account (other than a Personal Avion Account or an RBC Visa Infinite for Private Banking Account) the Personal Applicant or the Co-Applicant also owns as a Personal Applicant or a Co-Applicant; or (ii) a CLSB Account the Personal Applicant or the Co-Applicant also owns as a Primary Business Cardholder or a Secondary Business Cardholder at any time, upon request.

      For those who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on their behalf, but cannot transfer the Points to any other RBC Rewards Account nor redeem Points for any other type of reward.

      If the Co-Applicant or an Alternate Contact redeems the Points in the RBC Rewards Account, or if the Co-Applicant transfers the Points to another eligible RBC Rewards Account as set out above, we deem them to be doing so as the Personal Applicant’s agent, with full authority to redeem/transfer the Points on their behalf, even if the Points are redeemed/transferred for the benefit of the Co-Applicant, an Authorized User or any other person.

    4. CLSB Accounts:

      The Primary Business Cardholder and the Secondary Business Cardholder may redeem the Points in the RBC Rewards Account, or transfer the Points to another RBC Rewards Account tied to a Personal Account (other than a Personal Avion Account or an RBC Visa Infinite for Private Banking Account) the Primary Business Cardholder or the Secondary Business Cardholder also owns as a Personal Applicant or a Co-Applicant, at any time, upon request.

      For those who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on their behalf, but cannot transfer the Points to any other RBC Rewards Account, nor redeem Points for any other type of reward.

      If the Secondary Business Cardholder or an Alternate Contact redeems the Points in the RBC Rewards Account, or if the Secondary Business Cardholder transfers the Points to another eligible RBC Rewards Account as set out above, we deem them to be doing so as the Primary Business Cardholder’s agent, with full authority to redeem/transfer the Points on their behalf, even if the Points are redeemed for the benefit of the Secondary Business Cardholder or any other person.

    5. Business Avion Accounts:

      If the Business Avion Applicant has opted for an Individual Earn scenario, each Participating Cardholder may redeem the Points in the RBC Rewards Account tied to their Card, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account or an RBC Visa Infinite for Private Banking Account they also own as a Personal Applicant or a Co-Applicant; (ii) the Card of a Primary Business Cardholder under the same Business Avion Applicant, provided that Primary Business Cardholder is in an Individual Earn scenario or in a Points Roll-Up scenario and owns a Recipient Account; (iii) another Participating Cardholder under the same Business Avion Applicant; (iv) a Personal Avion Account or an RBC Visa Infinite for Private Banking Account a Primary Business Cardholder under the same Business Avion Applicant also owns as a Personal Applicant or a Co-Applicant, (v) a Commercial Avion Account the Participating Cardholder also owns as a Points Owner or a Participating Cardholder; or (vi) an Eligible Personal Banking Client, at any time, upon request.

      If the Business Avion Applicant has opted for a Points Roll-Up scenario, each Primary Business Cardholder benefitting from the Points may redeem the Points in the Recipient Account tied to their Card, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account or an RBC Visa Infinite for Private Banking Account they also own as a Personal Applicant or a Co-Applicant; (ii) a Personal Avion Account for purposes of distribution of points to owners and/or signing authorities of the company where names match. (iii) the Business Avion Card of another Primary Business Cardholder under the same Business Avion Applicant, provided that Primary Business Cardholder is in an Individual Earn scenario or in a Points Roll-Up scenario and owns a Recipient Account; (iv) another Business Avion Card the Primary Business Cardholder also owns as a Primary Business Cardholder under a different Business Avion Applicant, provided the Primary Business Cardholder is in an Individual Earn scenario or in a Points Roll-Up scenario and owns a Recipient Account under that other Business Avion Applicant; (v) the Card of a Participating Employee who is under the same Business Avion Applicant; (vi) a Commercial Avion Account the Primary Business Cardholder also owns as a Points Owner or a Participating Cardholder; or (vii) an Eligible Personal Banking Client , at any time, upon request.

      For those who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on their behalf, but cannot transfer the Points to any other RBC Rewards Account, nor redeem Points for any other type of reward.

      If an Alternate Contact redeems the Points in the RBC Rewards Account as set out above, we deem the Alternate Contact to be doing so as the Primary Business Cardholder’s or the Participating Cardholder’s agent, with full authority to redeem/transfer the Points on their behalf, even if the Points are redeemed for the benefit of any other person.

    6. Commercial Avion Accounts:

      If the Commercial Applicant has opted for an Individual Earn scenario, each Participating Cardholder may redeem the Points in the RBC Rewards Account tied to their Card, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account they also own as a Personal Applicant or as a Co-Applicant; (ii) a Business Avion Account the Participating Cardholder also owns as a Primary Business Cardholder or a Participating Cardholder; or (iii) an Eligible Personal Banking Client, at any time, upon request.

      If the Commercial Applicant has opted for a Points Roll-Up scenario where the Points are solely for the benefit of a Points Owner, that Points Owner may redeem the Points in the Recipient Account or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account the Points Owner also owns as a Personal Applicant or a Co-Applicant; (ii) the Card of a Participating Cardholder under the same Commercial Applicant, (iii) a Business Avion Account the Points Owner also owns as a Primary Business Cardholder or a Participating Cardholder; or (iv) an Eligible Personal Banking Client, at any time upon request.

      If the Commercial Applicant has opted for a Points Roll-Up scenario where the Points are solely for the benefit of the Commercial Applicant, only a Designate may redeem the Points in the Recipient Account. The Designate may also transfer the Points to another RBC Rewards Account tied to: (i) the Card of a Participating Cardholder under the same Commercial Applicant, or (ii) the Personal Avion Account of the Participating Cardholder under the same Commercial Avion Applicant and who is also a Personal Applicant or Co-Applicant of that Personal Avion Account, at any time upon request. If a Designate redeems the Points in the RBC Rewards Account as set out above, we deem the Designate to be doing so as the Commercial Applicant’s agent, with full authority to redeem the Points on the Commercial Applicant’s behalf.

      For Participating Cardholders, the Points Owner and/or the Designate who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on behalf of the Participating Cardholder, the Points Owner or Designate, but cannot transfer the Points to any other RBC Rewards Account, nor redeem Points for any other type of reward.

      If an Alternate Contact redeems the Points in the RBC Rewards Account as set out above, we will deem the Alternate Contact to be doing so as the Participating Cardholder’s, Points Owner’s or Points Owner’s agent, with full authority to redeem the Points on their behalf, even if the Points are redeemed for the benefit of any other person.

    7. Eligible Personal Banking Clients:

      An Eligible Personal Banking Client may redeem the Points in the RBC Rewards Account, or transfer the Points to another RBC Rewards Account tied to: (i) a Personal Avion Account or an RBC Visa Infinite for Private Banking Account the Eligible Personal Banking Client also owns as a Personal Applicant or a Co-Applicant; (ii) a Business Avion Account the Eligible Personal Banking Client also owns as a Primary Business Cardholder or a Participating Cardholder; or (iii) a Commercial Avion Account the Eligible Personal Banking Client also owns as a Points Owner or a Participating Cardholder at any time, upon request.

      For those who have appointed an Alternate Contact, such Alternate Contact may also redeem the Points for Travel Rewards on their behalf, but cannot transfer the Points to any other RBC Rewards Account nor redeem Points for any other type of reward.

      If the Alternate Contact redeems the Points in the RBC Rewards Account, we deem them to be doing so as the Eligible Personal Banking Client’s agent, with full authority to redeem/transfer the Points on their behalf, even if the Points are redeemed/transferred for the benefit of any other person.

      Additional or different terms and conditions may apply to Eligible Personal Banking Clients and they are required to read and comply with the "RBC Rewards in Banking Terms and Conditions" in force from time to time.

  12. Conversion of Points

    1. Eligibility:

      Any person able to redeem and transfer Points as per the "Redemption and Transfer of Points" section of these Terms may also convert Points, with the exceptions of Alternate Contacts and, for Commercial Accounts, the Designate. Therefore, in the present section, "you" excludes Alternate Contacts and Designates.

      If the Points Owner does not have a Card, the Points Owner will first have to transfer the Points from the Recipient Account to another RBC Rewards Account tied to a Personal Avion Account or an RBC Visa Infinite for Private Banking Account the Points Owner also owns as a Personal Applicant or a Co-Applicant, and then convert the Points.

    2. General rules:

      We may permit you to convert Points to Points of other RBC Royal Bank loyalty programs, or to/with points, miles or other "partner rewards" of loyalty programs with partners that we designate from time to time for this purpose, subject to the conditions and restrictions set out in this section.

      Without limiting the foregoing, the rate of conversion of Points in each case will be determined by us. Royal Bank may also prohibit the conversion of Points, or limit the number of Points that may be converted, all in our absolute discretion.

      In order to qualify for any conversion of Points under the Program, the Card and the Account must be in Good Standing in accordance with these Terms, you must be a member of the other loyalty program and you must be able to satisfy the minimum number of Points required for conversion that we set from time to time. Points may only be converted to the points, miles or "partner rewards" of another loyalty program account in the same name as the Card/Account.

      Loyalty programs operated by our partners may place additional conditions and restrictions on conversion of Points, including the minimum and maximum number of Points to be converted, and restrictions on types of benefits that may be obtained.

      You may be charged a service fee for any conversion of Points pursuant to this section. Should a fee apply, you will be notified prior to completing the transaction.

      It may take up to four (4) weeks for the points, miles or "partner rewards" to appear in your account in the other loyalty program. Conversion of Points are final and may not be reversed. Please refer to: www.rbcrewards.com (opens new window) for full details.

      A conversion of Points as set out in this section, constitutes a redemption of Points for all purposes of these Terms.

    3. Applicable to all Accounts, except Eligible Personal Banking Clients:

      Esso Extra points: If you are a member of the Esso Extra Program, you may convert Points to Esso Extra points. A minimum of 1,500 Points must be converted each time, but Points can be converted in blocks of 300 Points thereafter. For every 1,500 Points which is converted, you will receive 2,500 Esso Extra points. For every 300 Points which is converted, you will receive 500 Esso Extra points. The Esso Extra account must be in the same name as the Card/Account. Once the Points have been converted to Esso Extra points, they are subject to the full Esso Extra Program Rules. You may also convert Esso Extra points into Points online at www.essoextra.com (opens external website in new window). You will refer to www.essoextra.com (opens external website in new window) for full Esso Extra program rules.

      Shoppers/Pharmaprix Optimum Points: If you are a member of the Shoppers/Pharmaprix Optimum Program, you may convert Points to Shoppers/Pharmaprix Optimum Points. Once Points are converted to Shoppers/Pharmaprix Optimum Points, they must remain in the Shoppers/Pharmaprix Optimum Program and they may not be reversed/returned or converted back to Points. A minimum of 1,500 Points must be converted each time, but Points can be converted in blocks of 500 Points thereafter. For every 1,500 Points which is converted, you will receive 8,000 Shoppers/Pharmaprix Optimum Points. For every 500 Points which is converted, you will receive 2,500 Shoppers/Pharmaprix Optimum Points. The Shoppers/Pharmaprix Optimum account must be in the same name as the Card/Account. Once the Points have been converted to Shoppers/Pharmaprix Optimum Points, they are subject to the full Shoppers/Pharmaprix Optimum Program terms and conditions. You will refer to www.shoppersdrugmart.com (opens external website in new window) or www.pharmaprix.com (ouvre un site Web externe dans une nouvelle fenêtre) for full program terms and conditions.

    4. Applicable to all Accounts, including Eligible Personal Banking Clients:

      WestJet dollars: If you are a member of the WestJet Rewards program, you may convert Points to WestJet dollars. Once Points are converted to WestJet dollars, they must remain in the WestJet Rewards Program and they may not be reversed/returned or converted back to Points. A minimum of 1000 Points must be converted each time. For every 100 Points which is converted, you will receive 1 WestJet dollar. The WestJet dollar account must be in the same name as the Card/account. Once the Points have been converted to WestJet dollars, they are subject to the full WestJet Rewards program terms and conditions, including those pertaining to WestJet dollars expiry, flight booking, seat availability and blackout periods. You will refer to www.westjet.com/rewards (opens external website in new window) for full program terms and conditions.

    5. Applicable to Avion Accounts, RBC Visa Infinite for Private Banking Accounts and Eligible Personal Banking Client only:

      British Airways‡ Avios points: If you are a member of the British Airways Executive Club‡ program, you may convert Points to Avios. Once Points are converted to Avios, they must remain in the British Airways Executive Club program and they may not be reversed/returned or converted back to Points. A minimum of 10,000 Points must be converted each time. For every 1 Point which is converted, you will receive 1 Avios. The British Airways Executive Club account must be in the same name as the Card/account. Once the Points have been converted to Avios, they are subject to the full British Airways Executive Club program terms and conditions, including those pertaining to flight booking, seat availability and blackout periods. You will refer to www.ba.com (opens external website in new window) for full program terms and conditions.

      American Airlines AAdvantage Miles: If you are a member of the AAdvantage program, you may convert Points to American Airlines AAdvantage miles. Once Points are converted to AAdvantage Miles, they must remain in the AAdvantage program and they may not be reversed/returned or converted back to Points. A minimum of 5,000 Points must be converted each time. For every 1 Point which is converted, you will receive 1 AAdvantage mile. The AAdvantage account must be in the same name as the Card/account. Once the Points have been converted to AAdvantage Miles, they are subject to the full AAdvantage program terms and conditions, including those pertaining to flight booking, seat availability and blackout periods. You will refer to www.aa.com/AAdvantage (opens external website in new window) for full program terms and conditions.

    6. Applicable to Avion Accounts and Eligible Personal Banking Client only:

      Cathay Pacific Asia Miles: If you are a member of the Asia Miles program, you may convert Points to Asia Miles. Once Points are converted to Asia Miles, they must remain in the Asia Miles program and they may not be reversed/returned or converted back to Points. A minimum of 10,000 Points must be converted each time. For every 1 Point which is converted, you will receive 1 Asia Mile. The Asia Miles account must be in the same name as the Card/account. Once the Points have been converted to Asia Miles, they are subject to the full Cathay Pacific Asia Miles program terms and conditions, including those pertaining to flight booking, seat availability and blackout periods. You will refer to www.asiamiles.com (opens external website in new window) for full program terms and conditions.

  13. Points Roll-Up option

    1. Applicable to Business Avion Accounts only:

      A Business Avion Applicant may opt for a Points Roll-Up scenario and choose to automatically move into one or more Recipient Accounts, tied to the Card of one or more Primary Business Cardholders, all Points earned by certain or all Employee Cardholders on that Business Avion Account.

      For greater certainty, this means that a Business Applicant may choose to:

      1. move all Points earned by all Employee Cardholders on that Business Avion Account into one (1) Recipient Account;
      2. move all Points earned by all Employee Cardholders on that Business Avion Account into more than one (1) Recipient Accounts;
      3. move all Points earned by certain Employee Cardholders on that Business Avion Account into one (1) Recipient Account and allow the remaining Employee Cardholders to be in an Individual Earn scenario; or
      4. move all Points earned by certain Employee Cardholders on that Business Avion Account into more than one (1) Recipient Accounts, and allow the remaining Employee Cardholders to be in an Individual Earn scenario.

      Points may take up to six (6) weeks from the Net Purchase to move to the Recipient Account and appear on the Account Statement of the benefitting Primary Business Cardholder. Once moved the Primary Business Cardholder can then redeem, transfer or convert the Points contained in the Recipient Account tied to their Card in accordance with these Terms.

      The Business Avion Applicant can decide at any time, for the future, to either start or stop benefitting from the Points Roll-Up feature. Such change would take effect at the beginning of the next Account Statement period. In that case, it is the responsibility of the Business Avion Applicant to inform all Employee Cardholders on the Business Avion Account of such change and the impact on their Points.

      Similarly, Points earned by Employee Cardholders in an Individual Earn scenario prior to the Points Roll-Up feature being selected will remain solely for the benefit of these Employee Cardholders. In that case, the RBC Rewards Account of the Employee Cardholders will remain open for as long as the Employee Cardholders' Card remains open (i.e. no ninety (90) days restriction) but for any RBC Rewards-related servicing after the change, these Employee Cardholders will be required to contact us at the number indicated in the "How to contact Royal Bank" section of these Terms, as the access to the RBC Rewards online channels won’t be available to them anymore.

      Notwithstanding the above, the Business Avion Applicant always has the right to claw back the points earned by a Primary Business Cardholder or any Employee Cardholder, at any time and for any reason.

      This Points Roll-Up feature is subject to other restrictions we may impose from time to time, in our absolute discretion.

    2. Applicable to Commercial Avion Accounts only:

      A Commercial Applicant may opt for a Points Roll-Up scenario and choose to automatically move into a single Recipient Account tied to the Commercial Applicant Account, all Points earned by certain or all Employee Cardholders on that Commercial Avion Account during an Account Statement period.

      For greater certainty, this means that a Commercial Applicant may:

      1. move all Points earned by all Employee Cardholders on that Commercial Avion Account into the Recipient Account tied to the Commercial Applicant Account; or
      2. move all Points earned by certain Employee Cardholders on that Commercial Avion Account into the Recipient Account tied to the Commercial Applicant Account, and allow the remaining Employee Cardholders to be in an Individual Earn scenario.

      Points will move to the Recipient Account as soon as the Net Purchase for which the Points are earned is posted to the Account Statement, in accordance with the "Posting of Points" section of these Terms.

      At the Commercial Applicant’s choice, Points in the Recipient Account tied to the Commercial Applicant Account can either be for the benefit of the Commercial Applicant (and used by the Designate), or for the benefit of a Points Owner. Once moved, the Designate or the Points Owner, as the case may be, can then redeem, transfer, or convert the Points contained in the Recipient Account in accordance with these Terms.

      The Commercial Applicant can decide at any time, for the future, to either start or stop benefitting from the Points Roll-Up feature. Such change would take effect immediately and apply to transactions posted thereafter. In that case, it is the responsibility of the Commercial Applicant to inform all Employee Cardholders on the Commercial Avion Account of such change and the impact on their Points. However, since a move of Points is final and can't be reversed, once Points have been moved from an Originating Account to a Recipient Account, they can't be transferred back to the Originating Account.

      Similarly, Points earned by Employee Cardholders in an Individual Earn scenario prior to the Points Roll-Up feature being selected will remain solely for the benefit of these Employee Cardholders. In that case, the RBC Rewards Account of the Employee Cardholders will remain open for as long as the Employee Cardholders' Card remains open (i.e. no ninety (90) days restriction) but for any RBC Rewards-related servicing after the change, these Employee Cardholders will be required to contact us at the number indicated in the "How to contact Royal Bank" section of these Terms, as the access to the RBC Rewards online channels won’t be available to them anymore.

      This Points Roll-Up feature is subject to other restrictions we may impose from time to time, in our absolute discretion.

  14. Redeeming Points

    Redeeming Points for merchandise from the RBC Rewards online merchandise catalogue, gift cards/certificates, e-certificates, RBC Financial Rewards® vouchers and Charity Rewards:

    1. General:

      You must have accumulated the required number of Points for the Reward of your choice at the time of your redemption. The number of required Points is set out in the applicable catalogue(s) and other sources such as newsletters, direct mail, advertisements, brochures, flyers or online offers. Any taxes and basic shipping charges (by prepaid delivery service) are included in the number of the Points redeemed for each Reward.

      All merchandise offerings are subject to availability. If an item is unavailable exactly as shown, you will be offered a substitute of equal or greater value. In such case, you will have the option to decline the substitute item at no cost if it does not meet your needs. If no similar item is available, you will be able to cancel your order.

      The use of gift cards/certificates and e-Certificates may be subject to certain terms and conditions set by the party issuing the gift card/certificate from time to time. There are specific terms and conditions for the RBC Visa Gift Card which can be found at http://www.rbcroyalbank.com/credit-cards/_assets-custom/pdf/457758_RBC_Rewards_New_Eng.pdf (opens PDF in new window)

      We are not responsible for the failure of any party to honour the gift certificate/card/voucher/e-Certificate for any reason, including the insolvency or bankruptcy of that party.

    2. How to Place an order and redeem your Points:

      To order merchandise, a gift card/certificate, an e–certificate, an RBC Financial Rewards voucher or to redeem your Points for a Charity Reward or for more information about the Program and/or an RBC Rewards Account:

      • Go online at: www.rbcrewards.com (opens new window)
        or
      • Call Toll-Free:
      • For all Accounts, except RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking and RBC Visa Infinite Accounts: 1-800-769-2512
      • For RBC Avion Visa Infinite Privilege only: 1-888-769-2581
      • For RBC Avion Visa Infinite Privilege for Private Banking only: 1-888-769-2585
      • For RBC Visa Infinite Accounts only: 1-888-769-2597
      • For RBC Commercial Avion Accounts only: 1-888-769-2534
    3. Delivery:

      Delivery of merchandise is made by prepaid delivery service during normal business hours. In the event that a merchandise item has been lost or stolen during delivery, You must notify you within 90 days of the date of redemption that you never received the merchandise item.

      Deliveries cannot be made to a Post Office Box, a rural route or to an address outside Canada.

      Gift cards/certificates and RBC Financial Rewards vouchers are sent by ordinary mail and you assume full responsibility if they are lost or stolen in the mail. You may also request delivery by courier, which could take up to five (5) business days and in which case you will be charged a minimum of $50.00.

      Deliveries cannot be made to a Post Office Box, a rural route or to an address outside Canada.

      E-certificates are emailed to the email address you provided at the time you completed your redemption.

      While we cannot guarantee any delivery times, average delivery by ordinary mail and prepaid delivery service could take up to four (4) weeks from the time your order is received.

    4. Returns:

      In the event that a merchandise item is defective, damaged or incorrect, you may return the merchandise to us within five (5) days of reception. Unless you are advised otherwise that the merchandise is non-refundable and/or non-exchangeable.

      You must retain all packaging and carton material for returns of merchandise. Should any shortages or damages be apparent upon delivery, you must note them on the delivery receipt before you sign to accept the merchandise.

      Before returning any merchandise, you will call the following number for full instructions and a return authorization number:

      • For all Accounts, except RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking and RBC Visa Infinite Accounts: 1-800-769-2512
      • For RBC Avion Visa Infinite Privilege only: 1-888-769-2581
      • For RBC Avion Visa Infinite Privilege for Private Banking only:1-888-769-2585
      • For RBC Visa Infinite Accounts only: 1-888-769-2597
      • For RBC Commercial Avion Accounts only: 1-888-769-2534

      Merchandise purchased using Points and/or a Card is covered by the Purchase Security and Extended Warranty Insurance(4), which extends most manufacturers’ warranties and pays to repair or replace articles which are lost, damaged or stolen during a certain period following the redemption of Points. You will refer to your "Certificate of Insurance" for more information. For greater certainty, the date of the redemption is the date of the purchase for the purposes of the Purchase Security and Extended Warranty Insurance.

      Notwithstanding the foregoing, you understand that some redemptions such as redemption of Points for gift cards/certificates, e-certificates, RBC Financial Rewards vouchers or Charity Rewards, as well as conversion of Points to Points of other RBC Royal Bank loyalty programs, or to points, miles or other "partner rewards" of loyalty programs with partners that we designate from time to time, are final and cannot be cancelled, reversed or returned for credit. When a no-return policy applies to a Reward you have requested, we will notify you before you complete the redemption of Points.

    5. Applying RBC Financial Rewards® vouchers towards registered and non-registered financial products:

      Points can be redeemed for RBC Financial Rewards vouchers at the rate of 120 Points per $1.00.

      A minimum of 12,000 Points (equivalent to $100.00) must be redeemed for each RBC Financial Rewards voucher and can only be redeemed in increments of 3,000 Points (equivalent to $25.00) thereafter.

      The highest denomination issued for a RBC Financial Rewards voucher is $500.00; however, there is no limit to the redemption total amount.

      The RBC Financial Rewards vouchers are made payable to Royal Bank of Canada and are accepted by Royal Bank of Canada, RBC Dominion Securities Inc., RBC Direct Investing Inc. and RBC Phillips, Hager & North Investment Counsel Inc. if you use them to contribute to an RBC Registered Rewards plan.

      You understand that RBC Financial Rewards vouchers can only be processed at your RBC Royal Bank branch through a customer service representative, and cannot be processed via an Automated Teller Machine ("ATM").

      You understand that RBC Financial Rewards vouchers cannot be deposited into a personal savings or chequing account.

      You understand that if you wish to use an RBC Financial Rewards voucher towards payment of any RBC Mortgage, RBC Homeline Plan, Royal Credit Line and/or RBC Personal Loan through the Program, such loan account(s) must be in good standing both at the time your Points are redeemed and at the time the RBC Financial Rewards voucher is applied towards your account.

      If you wish to use an RBC Financial Rewards voucher towards the payment of your RBC Mortgage, you understand that it may only be applied as a Double-Up® payment. You understand that the minimum Double-Up payment is $100.00 and that the payment cannot exceed the total of the principal and interest portions of your regular payment. For example, if you redeemed for three (3) vouchers of $100.00 each but your regular mortgage payment amount is $280.00, you will only be able to apply two (2) of the vouchers (totaling $200.00) to your payment. The other $100.00 voucher could be applied as a Double-Up payment on your next payment date. You also understand that it cannot be used as part of your regular payment and that you are permitted only one Double-Up payment on each payment date.

      If you wish to use an RBC Financial Rewards voucher towards the payment of a credit line or mortgage loan segment under your RBC Homeline Plan, you understand that it may only be applied towards the payment of the outstanding principal of an Royal Credit Line or as a Double-Up payment for a mortgage loan segment under your RBC Homeline Plan account. Your payment must be applied towards only one Royal Credit Line or one of your mortgage loan segments under your RBC Homeline Plan and cannot be divided among more than one Royal Credit Line or multiple mortgage loan segments. You understand that the minimum Double-Up payment is $100.00 and the payment cannot exceed the total of the principal and interest portions of your regular payment. For example, if you redeemed for three (3) vouchers of $100.00 each but your regular mortgage payment amount is $280.00, you will only be able to apply two (2) of the vouchers (totaling $200.00) to your payment. The other $100.00 voucher could be applied as a Double-Up payment on your next payment date. You also understand that it cannot be used as part of a regular payment and that you are permitted only one Double-Up payment on each payment date.

      If you wish to use an RBC Financial Rewards voucher towards the payment of your Royal Credit Line, you understand that it may only be applied as a principal only payment to your Royal Credit Line account and cannot be used as part of your regular monthly payment.

      If you wish to use an RBC Financial Rewards voucher towards the payment of your RBC Personal Loan, you understand that it may only be applied as a principal only payment to your RBC Personal Loan account and cannot be used as part of your regular monthly payment.

      If you wish to use an RBC Financial Rewards voucher towards a contribution to an RBC Registered Rewards plan, you understand that such voucher will be applied to your RRSP, RESP, RDSP or TFSA just like a cash contribution. If you already have an RBC Registered Rewards plan, you will visit your RBC Royal Bank branch, your investment advisor at RBC Dominion Securities Inc. or your investment counsellor at RBC Phillips, Hager & North Investment Counsel Inc., with your voucher, send the voucher directly to RBC Direct Investing Inc. or RBC Phillips, Hager & North Investment Counsel Inc., as the case may be, and give instructions to make such contribution. If you don't already have an RBC Registered Rewards plan, you will bring your voucher to your RBC Royal Bank branch, open an RRSP, RESP, RDSP or TFSA and give instructions in order to make such contribution.

      You understand that before redeeming your Points for an RBC Financial Rewards voucher that you wish to use towards a contribution to an RBC Registered Rewards plan, you will make sure you qualify and have enough contribution room for the given tax year, in accordance with the Income Tax Act (Canada).

      The use of RBC Financial Rewards vouchers may be subject to other terms and conditions set by us from time to time which are not expressly mentioned in these Terms. For more information, you will contact:

      • For all Accounts, except RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking and RBC Visa Infinite Accounts: 1-800-769-2512
      • For RBC Avion Visa Infinite Privilege only: 1-888-769-2581
      • For RBC Avion Visa Infinite Privilege for Private Banking only:1-888-769-2585
      • For RBC Visa Infinite Accounts only: 1-888-769-2597
      • For RBC Commercial Avion Accounts only: 1-888-769-2534
  15. Best Buy – Redeeming Points for merchandise

    Redeeming points for Best Buy merchandise from the Best Buy catalogue is available through rbcrewards.com

    1. How to place an order:

      If you have accumulated the required number of Points for the item(s) of your choice, you may decide to pay for the item(s) using Points only. You may also decide to pay using a combination of Points and a credit card. In the event that you do not have the required number of Points for your purchase, you must pay for the outstanding balance with a credit card.

      The required number of Points and the corresponding basic price in dollars for an item are set out in the Best Buy catalogue. Applicable taxes and any other additional fees, if any, are not included in the required number of Points or corresponding basic price in dollars for the item, but they will clearly be disclosed to you prior to completing your transaction.

      All merchandises appearing in the Best Buy catalogue are subject to availability.

      To order merchandise from the Best Buy catalogue, go online at: www.rbcrewards.com (opens new window) and click on the applicable "Best Buy" tab.

    2. Delivery of merchandise:

      You may choose to get the item(s) of your choice delivered by mail or you may choose to pick up the item(s) in-store (provided that second option is available).

      For all items that don’t require scheduled delivery, shipping is free. Additional shipping and handling charges apply to items that require scheduled delivery and those additional charges will clearly be disclosed to you prior to completing your transaction.

    3. Return of merchandise:

      All returnable items must be returned within fourteen to thirty (14-30) days, depending on the item, but some product lines have special restriction or return policies. The return period begins on the date the item(s) is picked up from the store or on the date the item(s) is delivered.

      Items that were delivered by mail must be returned by mail or returned in-store. Items that were picked up in-store must be returned in-store.

      All item(s) (both defective and non-defective) must be returned in their original purchase condition and with everything that formed part of the original packaging, including blank warranty cards, manuals and any other item or accessory provided by the manufacturer. If the purchase included a free gift, or any other included or bonus item, the free gift and included or bonus item must also be returned to quality for a refund.

      All items returned in-store will be refunded by the issuance of a Best Buy gift card, even if you have paid for the item(s) using Points and/or a credit card. In other words, no refund will be applied to your credit card account and no Points will be credited back to your RBC Rewards Account.

      Items returned by mail will be refunded through the original method of payment. For example, if you have paid for the item(s) using a combination of Points and a credit card, a refund will be applied to your credit card account and the Points will be credited back to your RBC Rewards Account.

    4. Additional terms and conditions:

      There are additional specific terms and conditions applicable to this redemption option with Best Buy, which can be found at: https://www.rbcrewards.com/retailers/termsconditions/
      retailerterms_eng.pdf
      (opens PDF in new window)
      . You will consult them for complete details on order, shipping and pick up policies, as well as the "best price guarantee" policy.

      For any inquiries about the RBC Rewards redemption program with Best Buy, contact Royal Bank at the number indicated in the "How to contact Royal Bank" section of these Terms.

  16. Apple – Redeeming Points for merchandise

    Redeeming Points for Apple merchandise from the Apple catalogue is available through rbcrewards.com

    1. How to place an order:

      If you have accumulated the required number of Points for the item(s) of your choice, you may decide to pay for the item(s) using Points only. You may also decide to pay using a combination of Points and an eligible credit card. The minimum number of Points required for an item will be indicated in the catalogue. In the event that you do not have the required number of Points for your purchase, you must pay for the outstanding balance with an eligible credit card.

      The required number of Points, including the minimum number of Points required for the redemption, and the corresponding remainder price in dollars for an item are set out in the Apple catalogue(s). Applicable taxes and any other additional fees, if any, are not included in the required number of Points or corresponding remainder price in dollars for the item, but they will clearly be disclosed prior to completing your transaction.

      All merchandise appearing in the Apple catalogue(s) are subject to availability.

      To order merchandise from the Apple catalogue, go online at: www.rbcrewards.com (opens new window) and click on the applicable "Apple" tab.

    2. Delivery of merchandise:

      Items are available by mail delivery only, using standard shipping which is available at no extra charge.

    3. Return of merchandise:

      For all items eligible for a return, you have up to fourteen (14) calendar days from the time you receive your item(s) to initiate a return.

      Items must be returned by mail to us. Contact Royal Bank at the number in the "How to contact Royal Bank" section of these Terms for full instructions and a return authorization number.

      All item(s) (both defective and non-defective) must be returned in their original purchase condition and with everything that formed part of the original packaging including blank warranty cards, manuals and any other item or accessory provided by the manufacturer. Apple may provide security features to enable you to protect your product in case of loss or theft. If these features have been activated and cannot be disabled by the person in possession of the phone, the return may be refused.

      All items that you return by mail will be refunded through your original method of payment. For example, if you paid for your item(s) using a combination of both Points and a credit card, a refund will be applied to your credit card account and the Points will be credited back to your Points account.

    4. Additional Terms and Conditions:

      There are additional specific terms and conditions applicable to this redemption option with Apple, which can be found at: https://www.rbcrewards.com/retailers/termsconditions/retailerterms-Apple_eng.pdf (opens new window) you will consult them for complete details on order, shipping, and pick up policies, as well as for special terms on engraving, Apple care and certain Apple products.

      For any inquiries about the RBC Rewards redemption program with Apple, contact Royal Bank at the number indicated in the "How to contact Royal Bank" section of these Terms.

  17. Payback With Points – Redeeming Points to make a payment on your Account

    1. Eligibility:

      Any person able to redeem and transfer Points as per the "Redemption and Transfer of Points" section of these Terms may also redeem Points to make a payment to their Account/Card, with the exceptions of: (i) Alternate Contacts; and (ii) for Commercial Accounts in a Points Roll-Up scenario for which individual billing has been selected as the billing type, the Designate and the Points Owners, as the case may be. Therefore, in the present section, "you" excludes Alternate Contacts, Designates and Points Owners on Commercial Accounts for which individual billing has been selected as the billing type.

    2. General rules:

      You may decide to redeem the Points to make a payment towards your Account balance.

      To make a payment using Points, you may go online at https://www.rbcrewards.com/paywithpoints/index.html (opens new window) or contact Royal Bank at the number indicated in the "How to contact Royal Bank" section of these Terms. You will be asked to select the Account you want to apply your payment to and the amount of your payment. The Points for your redemption are taken from the RBC Rewards Account tied to the Account you have selected. You understand that the number of Points required for each payment amount is subject to change at any time without notice to you.

      Your Payback with Points redemption is applied as a payment towards the balance of the Account you have selected, not towards a particular transaction. Also, a Payback with Points redemption cannot be converted into cash, cheque or into any other form.

      Your Payback with Points redemption is applied to your Account like any other payment. The amount of your payment is applied up to your minimum payment, first to any interest and second to any fees. The remainder of any minimum payment is applied to your new balance. If your Payback with Points redemption does not cover your entire minimum payment for an Account Statement period, it is your sole responsibility to pay the difference by the payment due date. For more information on how your payments are allocated and your payment obligations, you may consult the RBC Royal Bank credit card agreement applicable to your Account. It takes two (2) to three (3) business days for the payment to be credited to your Account and to adjust your available credit. You will make sure you allow sufficient time for us to receive and credit your payment by the payment due date as shown on your Account Statement.

      Redemptions are final and cannot be cancelled or reversed once submitted.

  18. RBC Direct Investing online – Trade with Points and Cash Contributions

    You may redeem Points to pay the trade commission ("Trade with Points") for, and to make cash contributions to, registered, non-registered and margin accounts held by RBC Direct Investing (RBC DI)(5), if you are able to redeem and transfer Points as per the "Redemption and Transfer of Points" section of these Terms, you are an RBC DI client, and, you are an Eligible Personal Banking Client or have one of the following Accounts or Cards:

    • RBC Rewards U.S. Dollar Visa Gold
    • RBC Visa Infinite Avion
    • RBC Visa Infinite for Private Banking
    • RBC Avion Visa Infinite Privilege
    • RBC Avion Visa Infinite Privilege for Private Banking
    • RBC Rewards Visa Preferred
    • RBC Visa Platinum Avion
    • RBC Rewards Visa Gold
    • Signature RBC Rewards Visa.

    No other Accounts or Cards are eligible. Eligible Accounts and Cards may be updated from time to time.

    You cannot earn Points through RBC DI.

    Redemption of Points is only available on RBC DI online. You cannot redeem Points through the RBC Mobile app or by contacting an investment agent.

    Redemptions are final and cannot be cancelled or reversed once submitted. Also, Points cannot be converted into a cheque or into any other form

    If you meet the eligibility requirements above, you may Trade with Points for or redeem Points to make cash contributions to: (i) non-registered Canadian dollar and US dollar investment cash and margin accounts, and (ii) Registered Retirement Savings Plan ("RRSP"), Registered Education Savings Plan, Registered Disability Savings Plan or Tax-Free Savings Account held with RBC Direct Investing Inc. (each an "RBC DI Registered Savings Account").We are not able to offer Trade with Points or redemption of Points for cash contribution for Registered Retirement Income Funds (RRIFs), Life Income Funds (LIFs), Restricted Life Income Funds (RLIFs), Locked-In Retirement Accounts (LIRAs), Restricted Locked-In Savings Plans (RLSPs), Locked-in Retirement Income Funds (LRIFs), Prescribed Registered Retirement Income Funds (PRIFs) or any other registered accounts that do not allow contributions.

    Any Trade with Points redemption for, or cash contribution you make using Points to, an RBC DI Registered Savings Account is considered a "contribution". This means that you will have less contribution room in your registered plan than you otherwise would have, and you may over-contribute to it. It is your sole responsibility to make sure you have sufficient contribution room within your registered plan. The Canada Revenue Agency may apply tax penalties for over-contribution. RBC DI and Royal Bank of Canada are not responsible for any such penalties.

    For co-mingled RRSP accounts, Trade with Points redemptions and cash contributions you make by redeeming Points will be considered a spousal contribution.

    1. Trade with Points – Redeeming Points for trade commissions

      To Trade with Points, sign into your RBC DI account online.

      If you choose to Trade with Points, the dollar amount of the applicable trade commission you have selected, specific to a particular investment transaction, will be charged to your RBC DI account at the time your order is filled. We will redeem your Points and refund the trade commission when your trade settles (up to 3 business days later), provided you have enough Points in your RBC Rewards Account. If you do not have enough Points in your RBC Rewards Account, the Points will not be redeemed. An estimate of the number of Points you will need for the trade commission will be shown to you before you complete your transaction. You understand that the number of Points required for each trade commission is subject to change at any time without notice to you. For US dollar trades, the Canadian dollar equivalent (in Points) of the commission amount will be redeemed.

      Restrictions

      If you hold a RBC DI Practice Account, you will be able to see "Trade with Points", but you will not be able to redeem Points.

    2. Cash Contributions – Redeeming Points for RBC DI cash contributions

      To redeem Points for a cash contribution to an RBC DI account, sign into your RBC DI account online.

      If you choose to make a cash contribution to an RBC DI account, a minimum of 12,000 Points must be redeemed for each RBC DI account cash contribution and the Points can only be increased in increments of 3,000 Points, to a maximum of 60,000 Points per redemption.

  19. Air Travel Rewards – Redeeming Points for Air Travel Rewards

    Only Avion Participants can redeem Points for Air Travel Rewards from the Redemption Schedule.

    The Redemption Schedule forms part of these Terms. We may amend or replace the Redemption Schedule at our sole discretion at any time, without notice to you.

    Redemption of Points for an Air Travel Reward booked in accordance with the Redemption Schedule must be completed at least fourteen (14) days prior to departure and the booking and can only be made through RBC Rewards Travel, by calling the number indicated in the "How to contact Royal Bank" section of these Terms or going online, at: https://www.rbcrewards.com/travel-rewards/how-to-book.html (opens new window).

    An air travel redemption booked within fourteen (14) days of departure will be treated as an RBC Travel Reward.

    Note: If you need to book air travel with less than fourteen (14) days prior to departure, you have the ability to redeem the Points at a rate of 100 Points per $1.00 (for example, a roundtrip flight from Toronto to New York that costs $450.00 would require the redemption of 45,000 Points).

    Air Travel Rewards are economy class, round trip tickets, and are not refundable.

    Air Travel Rewards must include a North American destination.

    The airline or carrier and the flight route for your destination are determined solely by us.

    The Points redeemed for an Air Travel Reward are in exchange for the airline ticket only, and you are responsible for and must pay all taxes and service fees (including sales taxes, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed by travel suppliers and other parties. These taxes and other charges may change at any time without notice, even after the travel arrangement has been confirmed.

    If the price of the airline ticket that you choose exceeds the "maximum ticket price" as set out in the Redemption Schedule (exclusive of GST and PST, where applicable), you may redeem your Points to purchase that ticket if: (i) you authorize us to charge the difference between the ticket price and the "maximum ticket price" to your Account, or (ii) you redeem additional Points at the rate of 100 Points per $1.00 and apply that amount as a "top up" towards the cost of an airline ticket that exceeds the "maximum ticket price".

    When you book an Air Travel Reward, you may redeem Points at the rate of 100 Points per $1.00 to pay for any of the taxes or other costs referred to above and for which you are responsible.

    You may request an Air Travel Reward even if you don't have the required number of Points in the RBC Rewards Account, as set out in the Redemption Schedule, by acquiring additional Points from us to make up the shortfall. Such additional Points can only be acquired through RBC Rewards Travel. You may acquire these additional Points at the time you make your booking, in increments of 1,000 Points each, to a maximum of 15,000 Points, for any Air Travel Reward. You must already have at least 50% of the Points required for that Air Travel Reward in the RBC Rewards Account and must use all of these existing Points for the booking. For each 1,000 additional Points you acquire from us for this purpose, your Account will be charged $40.00 plus applicable taxes. All such Points acquisitions are final.

    The Redemption Schedule contains general classifications and descriptions only. We and our agents have absolute discretion to determine which redemption classification in the Redemption Schedule applies to any requested Air Travel Reward. Other destinations in addition to those listed in the Redemption Schedule may be made available by us from time to time.

    All Air Travel Rewards are subject to availability.

  20. RBC Travel Rewards – Redeeming Points for RBC Travel Rewards

    1. Applicable to all Accounts and Eligible Personal Banking Clients:

      Redemption of Points for an RBC Travel Reward can be made by calling RBC Rewards Travel at the number indicated in the "How to contact Royal Bank" section of these Terms or going online at: https://www.rbcrewards.com/travel-rewards/how-to-book.html (opens new window).

      You may also redeem your Points for an RBC Travel Reward directly at a Carlson Wagonlit Travel location or by phone at: 1-800 CARLSON (1-800-227-5766), at the rate of 100 Points per $1.00. A minimum of 2,500 Points must be redeemed. A service charge and other conditions may apply.

      You must reserve for an RBC Travel Reward through RBC Rewards Travel, with Carlson Wagonlit Travel or, if you are an RBC Avion Visa Infinite Privilege for Private Banking Cardholder, through the CWT Personal Travel Advisor; reservations made other than through these means do not qualify as RBC Travel Rewards and cannot be made using Points.

      RBC Rewards Travel is not a travel supplier, nor a travel agency. You are aware that some travel suppliers or agencies offer exclusive arrangements which may not be available for booking through RBC Rewards Travel, with Carlson Wagonlit Travel or, if you are an RBC Avion Visa Infinite Privilege for Private Banking Cardholder, through the CWT Personal Travel Advisor.

      Reservations made through RBC Rewards Travel, with Carlson Wagonlit Travel or, if you are an RBC Avion Visa Infinite Privilege for Private Banking Cardholder, through the CWT Personal Travel Advisor, will be confirmed to you via email or in writing. If your request cannot be confirmed via email or in writing, you will be contacted as soon as possible, usually within a few days. This confirmation serves as proof of purchase and it is your responsibility to verifying it carefully and notify RBC Rewards Travel, Carlson Wagonlit Travel or, if you are an RBC Avion Visa Infinite Privilege for Private Banking Cardholder, the CWT Personal Travel Advisor where/with whom the redemption was made, of any discrepancies on the same day you receive this confirmation to possibly avoid travel provider or supplier change fees or cancellation fees.

    2. Applicable to RBC Avion Visa Infinite Privilege for Private Banking Accounts only:

      You may also redeem the Points for any airline ticket and any related taxes and service fees (including sales taxes, GST, departure and transportation taxes and fees, airport improvement fees, or other taxes), excess baggage charges, immigration fees, governmental fees and levies, customs charges and passenger facilities charges, health or other inspection fees, fuel surcharges and other non-ticket costs or charges which may be imposed, through your CWT Personal Travel Advisor by calling : 1-888-769-2585, at the rate of 100 Points per $1.50 (for example, a roundtrip flight from Toronto to New York that costs $450.00 would require the redemption of 30,000 Points). You may also decide to redeem Points for any other type of travel other than air travel through your CTW Personal Travel Advisor, at the rate of 100 Points per $1.00.

      There is no service charge for bookings made through a CWT Personal Travel Advisor.

    3. Applicable to RBC Visa Infinite for Private Banking Accounts only:

      RBC Visa Infinite for Private Banking Cardholders may contact their Private Banker for further details on how to redeem Points for RBC Travel Rewards.

  21. Travel Rewards – Fees and other service charges for Travel Rewards redemptions

    1. Applicable to all Accounts and Eligible Personal Banking Clients, except RBC Visa Infinite for Private Banking Accounts:

      Airline Ticket Booking Fee:

      1. When a booking is made using Points only or part Points/part Account:
        • By booking online through RBC Rewards Travel: no charge.
        • By calling RBC Rewards Travel: $30.00, plus taxes, per ticket, charged to your Account.
        • With Carlson Wagonlit Travel: $39.00, plus taxes, per ticket, charged to your Account. The fee is subject to change without notice. You will contact Carlson Wagonlit Travel directly for details.
      2. When a booking is made without using Points (Account only):
        • By booking online through RBC Rewards Travel: $15.00, plus taxes, per ticket, charged to your Account.
        • By calling RBC Rewards Travel: $30.00, plus taxes, per ticket, charged to your Account.
        • With Carlson Wagonlit Travel: you will contact Carlson Wagonlit Travel directly for details, by phone at: 1-800 CARLSON (1-800-227-5766).

      Airline Ticket/Itinerary Delivery Fee:

      • By regular post and email: no charge.
      • By courier: fee may vary. You will contact the airline, travel provider and/or supplier directly for details. The fee will be charged to your Account.

      Airline Ticket Change/Cancellation Fee:

      • $25.00 per alteration, per airline ticket, plus applicable service charges and/or taxes levied by the airline, travel provider and/or supplier. The fee will be charged to your Account.

      Hotel Stays, Car Rentals, Cruises and Vacation Packages Booking Fee:

      When a purchase is made using Points only, part Points/part Account or Account only:

      • By booking online through RBC Rewards Travel: no charge.
      • By calling RBC Rewards Travel: $30.00, plus taxes, per booking, charged to your Account (regardless of number of passengers or items per booking).
      • With Carlson Wagonlit Travel: no charge, subject to change without notice. You will contact Carlson Wagonlit Travel directly for details.

      Note: If you book an airline ticket in addition to a hotel stay, car rental, cruise or vacation package, only the fees applicable to the airline ticket as disclosed herein will be charged to your Account.

      Hotel Booking Change/Cancellation Fee:

      • $10.00, plus taxes, per booking, charged to your Account.

      Car Rental Booking Change/Cancellation Fee:

      • $10.00, plus taxes, per booking, charged to your Account.

      Vacation Package Booking Change/Cancellation Fee:

      • $25.00, plus taxes, per booking, charged to your Account.

      Cruise and Vacation Package Booking Change/Cancellation Fee:

      • Fee may vary. You will contact the travel supplier/provider directly for details.

      Note: The above charges are subject to change without notice.

    2. Applicable to RBC Visa Infinite for Private Banking Accounts only:

      RBC Visa Infinite for Private Banking Cardholders may contact their Private Banker for further details on how to redeem Points for RBC Travel Rewards, including fees and other service charges.

  22. Travel Rewards – Cancelation of Travel Rewards

    If, for any reason, you cancel an Air Travel Reward or an RBC Travel Reward redemption, your Account and the RBC Rewards Account may be credited the amount you spent and/or the number of Points you redeemed, on the date of receipt by us of the relevant information, depending on: (i) the cancellation policies of the travel supplier; (ii) the time of the year (high or low season); and (iii) your Trip Cancelation/Trip Interruption Insurance4, if applicable. For full details, you may consult your RBC Rewards Travel representative, Carlson Wagonlit Travel or, if you are an RBC Visa Infinite for Private Banking or an RBC Avion Visa Infinite Privilege for Private Banking Cardholder, your CWT Personal Travel Advisor, before you complete the redemption of Points.

    Provided you are covered by a Trip Cancellation/Trip Interruption Insurance, you understand that your "Certificate of Insurance" contains provisions that may limit or exclude coverage. For full details, you will refer to your "Certificate of Insurance" or call Assured Assistance:

    For all Accounts, except the RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking and RBC Visa Infinite for Private Banking Accounts, at: 1-800-533-2778 toll-free from the U.S. and Canada, or (905) 816-2581 (collect) from anywhere in the world.

    For all other Accounts, at the number indicated in the "How to contact Royal Bank" section of these Terms.

  23. Travel insurance

    When you book a Travel Reward through the Program, either by using Points only, Points plus a charge to your Account or only a charge to your Account, you may be covered by various insurance benefits depending on the Card you have. Insurance is subject to limitations and exclusions. For complete details, please refer to the "Certificates of Insurance" for your Card, included in your welcome kit.

  24. Limit of our responsibility

    1. Applicable to all Accounts and Eligible Personal Banking Clients:

      If we improperly deny 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 in connection with the Program, by you or others, that is caused by:

      1. our failure to award you Points in accordance with these Terms, for whatever reason, including as a result of a mistake, error, omission, interruption, deletion of files or email, defect, viruses, delay in operation or transmission, whether resulting or not from an act of God, or from theft, destruction or unauthorized access to our records, programs or services;
      2. failure by you to notify us in writing of any error, omission or objections to a Points Statement(s) within sixty (90) days from the Account Statement;
      3. failure by us to provide you with one or more Points Statement(s);
      4. any errors or omissions in the RBC Rewards catalogue(s) and other sources;
      5. failure of any party to honour a gift certificate/card, RBC Financial Rewards voucher or e-certificate for any reason, including the insolvency or bankruptcy of that party;
      6. redemption of Points or any other problem that you or others have in connection with a Reward. By redeeming Points for a Reward, you release us from any and all liability and claims regarding the redemption or use of such Reward;
      7. redemption of Points by the Co-Applicant, a Secondary Business Cardholder, an Alternate Contact, a Designate, or any other person;
      8. fraud, malfeasance, unauthorized Points transactions, and any actions or omissions of any person who redeems Points, including those who redeem Points on your behalf, such as an Alternate Contact or a Designate;
      9. loss or theft of a Reward;
      10. suspension or termination of the Program for any reason;
      11. suspension or termination of your participation in the Program, the closing of your Account or the cancellation or invalidation of any or all of the Points in accordance with these Terms, for any reason;
      12. cancellation of any RBC Travel Reward or Air Travel Reward;
      13. any failure by you to correctly book any Travel Reward using your full legal name as it appears on your passport;
      14. failure by RBC Rewards Travel or Carlson Wagonlit Travel or, if you are an RBC Visa Infinite for Private Banking or RBC Avion Visa Infinite Privilege for Private Banking Cardholder, the CWT Personal Travel Advisor, where/with whom the redemption was made, 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;
      15. performance or action of a travel supplier and/or if you are an RBC Visa Infinite for Private Banking or RBC Avion Visa Infinite Privilege for Private Banking Cardholder, the CWT Personal Travel Advisor, 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 an RBC Travel Reward or Air Travel Reward, we may attempt, but are under no obligation, to provide a suitable replacement RBC Travel Reward or Air Travel Reward. In the alternative, we may, but are under no obligation to, credit the Points back to the RBC Rewards Account, and if applicable, money to your Account as well, but will not assume any costs you may incur relating to that RBC Travel Reward or Air Travel Reward;
      16. the purchase of a product or service from a participating retailer in the RBC Rewards eMall or other partner, merchant or service provider in connection with the Program;
      17. linking to a website not owned or operated by us; or
      18. failure by us to send you any communication as set out in these Terms.
    2. Applicable to Commercial Accounts only:

      Commercial Applicants are responsible for the following and in no event will we be liable or responsible for, and you release us from, all claims in respect of any loss or damage caused by your failure to:

      1. create and implement a policy and controls in connection with the Program, and inform the Designate, Points Owners and Participating Cardholders of such policy and controls, and of any change to them;
      2. ensure that the Designate is properly authorized to redeem Points on behalf of the Commercial Applicant, and that the Designate complies with these Terms;
      3. inform all Employee Cardholders on the Commercial Account of the impact on their Points if the Commercial Applicant decides to either start or stop benefitting from the Points Roll-Up feature.
    3. Applicable to Business Accounts only:

      Business Avion Applicants are responsible for the following and in no event will we be liable or responsible for, and you release us from, all claims in respect of any loss or damage caused by your failure to:

      1. Create and implement a policy and controls in connection with the Program, and inform the Primary Business Cardholders and Participating Cardholders of such policy and controls, and of any change to them; and
      2. inform all Employee Cardholders on the Business Account of the impact on their Points if the Business Applicant decides to either start or stop benefitting from the Points Roll-Up feature.
  25. Death, divorce and closure of the Card/Account

    1. Applicable to Personal Accounts:

      If the Personal Account is not shared with a Co-Applicant, upon the death of the Personal Applicant, that Personal Applicant's participation in the Program will terminate, the Personal Account will be closed and the Points in the RBC Rewards Account will be available for redemption by that Personal Applicant's estate within ninety (90) days following the closure of the Personal Account.

      If the Personal Account is shared with a Co-Applicant, upon the death of the Personal Applicant; (i) the ownership of the Account will be transferred to the Co-Applicant (who will become the Personal Applicant on the Personal Account); or (ii) the Personal Account will be closed and the Points in the RBC Rewards Account will be available for redemption, transfer or conversion by the Co-Applicant, in accordance with these Terms, within ninety (90) days following the closure of the Personal Account.

      Upon the closure of a Personal Account for any other reason, the Personal Applicant's participation in the Program will terminate and the Points in the RBC Rewards Account will be available for redemption, transfer or conversion by the Personal Applicant, in accordance with these Terms, within ninety (90) days following the closure of the Personal Account. If the Personal Account is shared with a Co-Applicant, the Points won’t be divided with or transferred to the Co-Applicant.

    2. Applicable to CLSB Accounts :

      If the CLSB Applicant is a sole proprietorship, upon the death of the sole Primary Business Cardholder, that Primary Business Cardholder's participation in the Program will terminate, the CLSB Account will be closed and the Points in the RBC Rewards Account will be available for redemption by that Primary Business Cardholder's estate.

      If the CLSB Applicant is a partnership or a corporation, upon the death of the Primary Business Cardholder or the Secondary Business Cardholder, that Primary Business Cardholder's participation in the Program will terminate, the CLSB Account will be closed and the Points in the RBC Rewards Account will be available for redemption, transfer or conversion by the Business Applicant, in accordance with these Terms, within ninety (90) days following the closure of the CLSB Account.

      Upon the closure of the CLSB Account for any other reason, that Primary Business Cardholder's participation in the Program will terminate, the CLSB Account will be closed and the Points in the RBC Rewards Account will be available for redemption, transfer or conversion by the Business Applicant, in accordance with these Terms, within ninety (90) days following the closure of the CLSB Account.

    3. Applicable to Business Avion Accounts:

      If the Business Avion Applicant is a sole proprietorship, in an Individual Earn scenario or a Points Roll-Up scenario, upon the death of the sole Primary Business Cardholder, that Primary Business Cardholder's participation in the Program will terminate, the Business Avion Account will be closed and the Points in the RBC Rewards Account tied to the deceased person's Card will be available for redemption by the Primary Business Cardholder's estate. If the Primary Business Cardholder’s Card is closed for any other reason, Points will be available for redemption, transfer or conversion by the Primary Business Cardholder, in accordance with these Terms, within ninety (90) days following the closure of the Card.

      If the Business Avion Applicant is a partnership or a corporation, in an Individual Earn scenario or a Points Roll-Up scenario, upon the death of any Primary Business Cardholder, that Primary Business Cardholder's participation in the Program will terminate, the Business Avion Account may be closed and the Points in the RBC Rewards Account tied to the deceased person's Card, if any, will be available for redemption by the Business Applicant within ninety (90) days following the closure of the Business Avion Account, if applicable. The surviving Primary Business Cardholder(s) and Participating Cardholders will also have to redeem, transfer or convert the Points in the RBC Rewards Account tied to their Card, in accordance with these Terms, within ninety (90) days following the closure of the Business Avion Account, if applicable. If a Primary Business Cardholder’s Card is closed for any other reason, Points will be available for redemption, transfer or conversion by the Primary Business Cardholder, in accordance with these Terms, within ninety (90) days following the closure of the Card.

      The Participating Cardholder(s) in an Individual Earn scenario, if any, will also have to redeem, transfer or convert the Points in the RBC Rewards Account tied to their Card, in accordance with these Terms, within ninety (90) days following the closure of their Card or the Business Avion Account. Upon the death of any Participating Cardholder, that Participating Cardholder’s participation in the Program will terminate, the deceased person’s Card will be closed and the Points in the RBC Rewards Account tied to the deceased person’s Card will be available for redemption, transfer or conversion by the Business Avion Applicant.

      Notwithstanding the above, the Business Avion Applicant always has the right to claw back the Points earned by a Primary Business Cardholder or any Employee Cardholder, at any time and for any reason.

    4. Applicable to Commercial Avion Accounts:

      For a Commercial Avion Account in an Individual Earn scenario, upon the death of a Participating Cardholder, that Participating Cardholder’s participation in the Program will terminate, the Card will be closed and the Points in the RBC Rewards Account tied to the Participating Cardholder's Card will be available for redemption, transfer or conversion by the Participating Cardholder’s estate. If the Card is closed for any other reason, Points will be available for redemption, transfer, or conversion by the Participating Cardholder, in accordance with these Terms, within ninety (90) days following the closure of the Card.

      For a Commercial Avion Account in a Points Roll-Up scenario where Points in the Recipient Account are for the benefit of one (1) Points Owner, upon the death of the Points Owner, that Points Owner’s participation in the Program will terminate, the Points Owner’s Card will be closed, if applicable, and the Points in the Recipient Account will be available for redemption, transfer, or conversion by the replacing Points Owner’s estate in accordance with these Terms.

      If the Commercial Applicant decides to replace a Points Owner for another Points Owner for any other reason, whether following the closure of a Points Owner’s Card or not, Points in the Recipient Account will be available for redemption, transfer or conversion, in accordance with these Terms, by the replacing Points Owner the Commercial Applicant will designate. For greater certainty, the Points Owner will not be able to redeem, transfer or convert the Points.

      For a Commercial Avion Account in a Points Roll-Up scenario where Points in the Recipient Account are for the benefit of the Commercial Applicant and a Designate is appointed, upon the death of that Designate, or if the Commercial Applicant decides to appoint another Designate for any other reason, the Points in the Recipient Account will continue to accrue but all redemptions will be suspended until a new Designate is appointed. If the Commercial Applicant decides to replace a Designate, the current Designate’s access to the Recipient Account will terminate immediately.

    5. Miscellaneous:

      If you find yourself in a scenario that is not covered by this section, especially if the Business Avion Account or the Commercial Account is in a Points Roll-Up scenario, please contact Royal Bank at the number indicated in the "How to contact Royal Bank" section of these Terms for more details.

      Points can’t be exchanged for cash and are not divisible in case of death, divorce, separation, legal proceeding or closure of a Card/Account, or for any other reason.

      For Business Avion Accounts and Commercial Accounts in an Individual Earn scenario, if the Card of a Participating Cardholder is closed in the middle of an Account Statement period, the Participating Cardholder will only own the Points up to the last day of the previous Account Statement period. The Points earned since the last day of the previous Account Statement period until the closure of the Card will be awarded to the Business Avion Applicant or Commercial Applicant.

      Points that have not been redeemed, transferred or converted within ninety (90) days following after the closure of the Card/Account will automatically be cancelled without notice to you and may not subsequently be redeemed, transferred or converted.

  26. Currency

    For all Accounts except the RBC U.S. Dollar Visa Gold, all fees listed in these Terms are in Canadian dollars. For the RBC U.S. Dollar Visa Gold Account, all fees listed in these Terms are in U.S. dollars.

  27. Communications

    By redeeming Points online and providing your email address, you are requesting that we send you an email confirming the redemption. Also, Royal Bank may communicate with you if you have provided consent and your email address for receiving Program marketing and offers.

    So that you do not miss any communication from us about the Program, you will immediately notify us of any changes to your mailing address, email address and other contact information you may have provided to us in connection with the Account. We will 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 Account Statement we provide to you electronically, or agreements we make available electronically, will be considered to be "in writing", signed and delivered for all purposes.

  28. Use of information

    You understand that we may exchange information relating to the Program, the RBC Rewards Account and the Account transactions with other parties, such as participating merchants or service providers, in order to effectively operate and administer the Program, including for purposes of crediting and reconciliation of bonus Points awarded pursuant to offers at participating merchants. To the extent possible, this crediting and reconciliation information will be exchanged in aggregate reports including data elements such as the date, time, store location and amount of a transaction.

    We may also be required to exchange your information such as information about your Account, RBC Rewards Account and any transactions, purchases, returns or Points redemptions or conversions, with these third parties in situations, such as to fulfill a specific redemption or conversion request under the Program.

    We will use your personal information with consent to ensure that you receive notice of RBC Rewards offers and promotions that will be of interest to you and to communicate to you Program information through various channels, including by mail or email. All collection, use or disclosure of your personal information will be in accordance with the applicable Account agreement and the RBC Privacy Policy that is available at www.rbc.com/privacy (opens new window).

  29. 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, will not alter, affect or prejudice any of our other rights or remedies and will be effective only in the specific instance and for the purpose for which it was given, and will not be deemed 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 will operate as a waiver of that or any other right or remedy.

  30. Tax

    Any federal and/or provincial tax liability and reporting obligations for any taxes (including personal and business income tax reporting) arising from the accrual of Points (including from the transfer or conversion of Points, or from Points Roll-Up), redemption of Points or from the receipt of a Reward, is your responsibility and we are released of all liabilities in this regard. You understand that we will not issue tax receipts, unless otherwise required by applicable law. If you redeem Points for a Charity Reward, it is the responsibility of the registered charitable organization to issue any tax receipt.

  31. Changing the Program and these Terms

    We may change the Program and these Terms, in whole or in part, at any time without giving you notice. Program changes may include, but are not limited to, changes to: (i) any Reward(s); (ii) the number of Points required to be redeemed for any Reward; or (iii) the formula upon which Points are earned, redeemed, transferred or converted exchanged.

  32. Suspension or termination of the Program

    We may suspend or terminate the Program at any time upon a ninety (90) days prior notice to you. Points that remain unredeemed as of ninety (90) days after the termination of the Program, may automatically be cancelled without notice to you and may not subsequently be redeemed, transferred or converted.

    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 Program as it is then constituted, the Program may be suspended or terminated, in whole or in part, and your Points may be cancelled without prior notice to you and may not subsequently be redeemed, transferred or converted.

    We may, without notice to you, suspend or terminate your participation in the Program, close your Card/Account, and cancel the RBC Rewards Account and your Points upon: (i) fraud or abuse by you, or any Cardholder on the Account, relating to the Program; (ii) misrepresentation of information to us; (iii) failure by you to comply with these Terms; (iv) your bankruptcy; or (v) failure by you to earn any Points in any three (3) consecutive years.

  33. Interpretation

    All questions or disputes regarding the Program and the interpretation of these Terms will be resolved by us in our sole discretion.

    The division of these Terms into sections, subsections and other subdivisions, and the insertion of headings, are for convenience of reference only and should not affect their interpretation.

    Also, the word "including" means "including without limitations".

  34. How to contact Royal Bank

    1. To reach the Customer Service, to redeem Points for anything other than Travel Rewards, to request a Points transfer from one RBC Rewards Account to another in accordance with these Terms, for any inquiries about the RBC Rewards Redemption Program with Best Buy or Apple, to make a payment using Points (Payback with Points), or for any RBC Rewards-related questions, please call:
    2. For all Accounts, except the RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, RBC Visa Infinite for Private Banking Accounts and RBC Commercial Avion Visa Accounts: 1-800-769-2512
      For RBC Avion Visa Infinite Privilege Accounts only: 1-888-769-2581
      For RBC Avion Visa Infinite Privilege for Private Banking Accounts only: 1-888-769-2585
      For RBC Visa Infinite for Private Banking Accounts only: 1-888-769-2597
      For Business Accounts: 1-800-769-2512
      For Commercial Avion Accounts only: 1-888-769-2534
    3. To redeem Points for an Air Travel Reward in accordance with the Redemption Schedule, please contact the RBC Rewards Travel at:
    4. For all Accounts: 1-877-636-2870
      or online at: https://www.rbcrewards.com/travel-rewards/how-to-book.html (opens new window)
    5. To redeem your Points for an RBC Travel Reward directly with Carlson Wagonlit Travel, please call:
    6. For all Accounts: 1-800 CARLSON (1-800-227-5766)

    These Terms are current as of July 2016 and are subject to change. You may always view the current Terms by visiting www.rbcrewards.com (opens new window) or you may call the Customer Service to request a paper copy.

1) Program offered in conjunction with Carlson Wagonlit Travel, Canada ("CWT"). The program is operated and maintained by CWT. All terms, conditions and restrictions applicable to the program are established by CWT.

2) Program offered in conjunction with Dollar Thrifty Automotive Group ("DTAG") Canada Inc. All terms, conditions and restrictions applicable to the program are established by DTAG.

3) Coverage underwritten by RBC General Insurance Company.

4) Coverage underwritten by RBC General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

5) RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

®/™ Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

All other trademarks are property of their respective owner(s).

American Airlines and AADVANTAGE are registered trademarks of American Airlines, Inc. American Airlines is not responsible for products or services offered by other participating companies.