get up to 4,000
bonus points^[1]

^®/TMTrademarks of Royal Bank of Canada. Used under licence.
^‡All other trademarks are the property of their respective owner(s).
Petro-Canada is a Suncor business.
^TM Petro-Canada, the Petro-Canada logo and Petro-Points are trademarks of Suncor Energy Inc. Used under licence.

[1]

To benefit from this offer, your application must be received by November 15, 2023 and approved by Royal Bank of Canada (“RBC”), and you must have a valid moi card linked to your moi RBC Visa credit card. You will receive 3,000 welcome moi points upon your first purchase (“Welcome Points”). To receive the additional 1,000 bonus moi points (“Bonus Points”), (i) your moi RBC Visa credit card account (“Credit Card Account”) must remain open and active for at least 180 days from your Credit Card Account opening date (“Period”), “active” meaning that at least one (1) purchase was made during that Period, and (ii) your Credit Card Account must be in good standing on the last day of the Period and at the time the Bonus Points are credited to your Moi account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at those times.

The Welcome Points will appear on your monthly credit card statement and your Moi account up to six (6) weeks after your first purchase. The Bonus Points will appear on your Moi account up to eight (8) weeks following the end of the Period.

Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points. This offer may not be combined or used in conjunction with any other offer. RBC reserves the right to cancel, modify or withdraw this offer at any time. For complete details, and to learn more about all the benefits that come with your moi RBC Visa credit card, please visit rbc.com/moivisainfo. For complete terms and conditions that apply to the Moi program, please visit: www.moiprogram.ca.

[2]

You will earn 1 Moi point for every $1 spent on all purchases you make, including pre-authorized bill payment transactions, when you use your moi RBC Visa credit card to pay. Moi points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

You will earn 1 additional Moi point for every $1 spent on qualifying purchases you make, before taxes and any promotions in effect, in-store or online at participating Metro, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario (“Participating Locations”) when you swipe your moi card and pay with your moi RBC Visa credit card. You will not earn 1 additional Moi point for every $1 spent when you shop at Super C; you will however be eligible for bonus moi points offers and other benefits, as available from time to time. Also, you will not earn 1 additional Moi point for every $1 spent when you purchase any of the following products or services at Participating Locations: tobacco products, lottery tickets, public transportation tickets and passes, gift cards and other prepaid cards, stamps, postal services, dry cleaning, film and video game rentals, any deposit fees and eco-contributions, SAQ products, alcoholic beverages outside of the province of Québec, order preparation and delivery charges, donations, utensils for ready to eat products, certain products offered on participating partner’s platforms, products offered through food waste reduction platforms, fragrance discovery gift sets, items linked to a fundraising campaign, prescription drug, other medication and other pharmacy or health care-related products and services according to laws in place in each province, taxes, ecofees and any items excluded by Metro in the future or forbidden by law. Excluded products may vary by province and Metro reserves the right at all times, to add or exclude, at its sole discretion, eligible items for Moi program points. Metro also reserves the right to deduct the 1 additional Moi program points/$1 earned on returns and adjustments, whether the purchase was made in-store or online. Other terms and conditions apply. For complete details, visit moiprogram.ca. For the full list of Participating Locations, visit: moiprogram.ca.

[3]

You will earn 2 Moi points for every $1 spent on Dining Purchases and in Gas and Electric Vehicle Charging Purchases you make, after taxes when you pay with your moi RBC Visa credit card at merchants that are classified by the following “Merchant Category Codes” (“MCCs”) by Visa:

(i) “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages)” (MCC 5813), and “Fast Food Restaurants” (MCC 5814) are “Dining Purchases”;

(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), Electric Vehicle Charging” (MCC 5552) are “Gas and Electric Vehicle Charging Purchases”.

Each of these MCCs is an “Eligible MCC”.

Even though some merchants may sell meals, gas or allow you to charge your electric vehicle, purchases made at these merchants may not necessarily allow you to earn 2 Moi points for every $1 spent if the merchant is not classified by an Eligible MCC by Visa. Also, a merchant that is not classified by an Eligible MCC may be located on the premises of a merchant that is classified by an Eligible MCC, in which case a purchase made at this merchant would not qualify as a Dining Purchase or as a Gas and Electric Vehicle Charging Purchase. Royal Bank of Canada (“RBC”) cannot guarantee that any merchant who sells meals, gas or allow you to charge your electric vehicle is classified by an Eligible MCC and in no event will RBC be liable or responsible for any claims with respect to a purchase made at a merchant that is not classified by an Eligible MCC.

[4]

You will earn 1 Moi point for every $1 spent on all purchases you make, including pre-authorized bill payment transactions, when you use your moi RBC Visa credit card to pay. Moi points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

[5]

To be able to redeem your Moi points, you must have at least 500 Moi points in your Moi account. If you do, you will be able to redeem a minimum of 500 Moi points (and in increments of 125 Moi points thereafter) to get $4 off your in-store or online transaction, before taxes, at participating Metro, Super C, Première Moisson and Brunet stores in Quebec, and at participating Jean Coutu stores in Quebec, New Brunswick and Ontario, provided the pre-tax value of the transaction is equal to or greater than that of the points being redeemed. 125 Moi points = $1 or as otherwise determined by Metro. Other conditions and restrictions apply. For complete terms and conditions that apply to the Moi program, please visit moiprogram.ca.

[6]

Your Moi points don’t expire as long as your Moi account remains open and active. For complete terms and conditions that apply to the Moi program, please visit moiprogram.ca.

[7]

To participate in this offer, you must have an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A Linked RBC Card means an RBC Card linked to a Petro-Points Account. Your Linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your Linked RBC card at Petro-Canada Locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your Linked RBC Card.

Each time you use your Linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your Linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at https://www.petro-canada.ca/en/personal/terms-and-conditions#petropoints.

Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases

[8]

This offer is not transferable. To take advantage of this offer, you must activate it by clicking the “Load Offer” button before you make your purchase.

Once the offer has been activated, you will receive a Statement Credit, calculated on the final price of your Qualifying Purchases after taxes and shipping fees at participating RONA, Lowe’s, and Réno-Dépôt stores in Canada and https://www.rona.ca, https://www.lowes.ca, https://www.renodepot.ca (“Qualifying Purchase”) made between August 1, 2023 – July 31, 2024 (“Offer Period”), with any RBC Royal Bank personal debit or credit card, other than an RBC US Dollar Visa card (“Eligible RBC Card”) to receive

• a) 10% in statement credits on the first $250 in Qualifying Purchases, and
• b) 5% in statement credits on Qualifying Purchases between $250.01 - $1,500 (collectively “Statement Credits”)

“Qualifying Purchase” is the final price of your purchases after taxes and shipping fees at participating RONA, Lowe’s, and Réno-Dépôt stores in Canada and https://www.rona.ca, https://www.lowes.ca, https://www.renodepot.ca but exclude payments made through PayPal or Virtual Visa Debit for online orders, payments by Gift Cards, and purchases of items that are out of stock and/or not ready for shipping within the Offer Period.

Royal Bank of Canada reserves the right to cancel, modify or withdraw this Offer at any time.

There is no minimum spend required. Statement credits are limited to the first $1,500 of total spend during the Offer Period.

Please allow up to 30 days from the last day of the Offer Period, provided your debit or credit card account was in good standing at that time, for the Statement Credit to appear on the account statement tied to your Eligible RBC Card. Please note that if you paid for your Qualifying Purchase using an Eligible RBC Card that is a credit card, the Statement Credit will not be applied as a payment towards the balance of your credit card account.

This offer may be combined or used in conjunction with any other offers, but cannot be applied retroactively to previous purchases. Returns or price adjustments of your Qualifying Purchase may cancel your Statement Credit.

RONA inc., not Royal Bank of Canada (“RBC”), is responsible for the sales, returns and shipping terms and conditions applicable to your Qualifying Purchase. RBC reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the Offers program, please visit rbc.com/offers.

[9]

Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.

All insurance is subject to limitations and exclusions. Please refer to the insurance certificates included in your printed Welcome Kit for complete details or online at https://www.rbcroyalbank.com/credit-cards/cardholders.html