RBC Rewards

RBC Rewards^® Terms & Conditions – RBC^® Visa Infinite* card

1. What The Words Mean:

“I”, “me” and “my” mean the Applicant for the Account and a Card; and “the Bank”, “you” and “your” mean Royal Bank of Canada;

“Account” means the RBC Visa Infinite account you have opened in the Applicant's name;

“Account in Good Standing” means an Account that is not more than two (2) Account Statement periods past due and is not closed, charged off or in credit revoked status, all according to your credit risk policies in effect from time to time;

“Account Statement” means the paper or electronic statement of the Account that you prepare approximately every four (4) weeks (the period covered by each Account Statement will vary between twenty-seven (27) days and thirty-four (34) days), as well as the paper year-end summary of the Account charges, broken down by spend categories, you will send me in February of each year;

“Applicant” means the individual who has submitted the Application as the applicant;

“Application” means the request made to you for the Account and a Card;

“Authorized User” means an individual, other than an Applicant and a Co-Applicant, to whom you have issued a Card on my Account at my request or at the request of a Co-Applicant;

“Card” means any credit card you issue on the Account and all renewals of and replacements for that credit card;

“Cardholder” means an individual to whom you have issued a Card;

“Cash Advance” means an advance of cash that is charged to the Account with or in connection with the Card including, but not limited to, Visa cheques, bill payments, balance transfers and Cash-Like Transactions;

“Cash-Like Transactions” means transactions that involve the purchase of items that are similar to or easily converted to cash and that you designate for treatments as Cash Advances;

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

“Co-Applicant” means an individual who has submitted the Application as a co-applicant;

“Point(s)” means RBC Rewards points credited to my RBC Rewards Account;

“Program” means the RBC Rewards Program that allows me to earn and redeem Points for Rewards;

“RBC Financial Rewards^®” means the vouchers I may redeem Points for and which I may contribute to or apply towards any of your following registered and non-registered financial products, as set out in Sections 22 and 26 below: RBC Mortgage, RBC Homeline Plan^®, Royal Credit Line^®, RBC Personal Loan and RBC Registered Rewards^®;

“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 me 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 an individual 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 my Points are redeemed and the time the RBC Financial Rewards voucher is applied towards my loan;

“RBC Registered Rewards” means the following financial products: Registered Retirement Savings Plan (RRSP) and/or Registered Education Savings Plan (RESP) held with Royal Bank of Canada, RBC Dominion Securities Inc. or RBC Direct Investing Inc.

“RBC Rewards Account” means the nominal Account you open and maintain in my name for the crediting and debiting of Points earned or redeemed in connection with the Program;

“RBC Travel Rewards” means travel rewards redeemed as set out in Sections 27 and 28 below;

“Reward(s)” means RBC Travel Rewards, merchandise, gift certificates/cards redeemable for merchandise or services at select merchants, Experiences by RBC Rewards, RBC Financial Rewards and Charity Rewards I may select under the Program;

“Statement Date” means the last day of the period to which an Account Statement relates; and

“Terms” means these RBC Rewards Terms and Conditions for my RBC Visa Infinite card.

I agree with you as follows:

2. General Terms: These Terms apply to the Program. These Terms replace all prior terms and conditions with respect to the Program.

3. Acceptance of Terms: If I activate, sign or use my Card, it will mean that I have received and read these Terms and that I have understood and agreed with you to everything written here. Notwithstanding any other Section of these Terms, publication of an RBC Rewards catalogue containing the current version of the Terms and the posting of the current version of the Terms at www.rbcrewards.com shall be deemed notice to me of such Terms, where notice is required or permitted to be given to me hereunder.

4. Eligibility: The Program is available to me if I have a Card and an Account in Good Standing. Points in the RBC Rewards Account are solely for the benefit of the Applicant, subject to the rights of a Co-Applicant to redeem Points as set out in Section 11.

While all Cards are automatically included in the Program for the purposes of earning Points, Authorized Users and Co-Applicants are not participants in the Program and have no rights against you under these Terms, notwithstanding Co-Applicants’ ability to redeem Points as set out above.

5. Points: The Program is based on Points. Points awarded on the Program have no cash value and do not constitute my property for any purpose. Points may only be transferred to another person as set out in Section 13 below. Points may only be consolidated, converted, exchanged, combined or transferred to another loyalty program as set out in Section 21 below.

6. Earning Points For Net Purchases: My RBC Rewards Account is awarded one (1) Point for every CAD $1.00 in Net Purchases charged to my Account during the operation of the Program.

Credits for returns or adjustments reflected on my Account Statements during the operation of the Program will reduce or cancel the Points earned by the amounts originally charged.

For the purposes of this Section 6, “Net Purchases” means purchases of goods and services that I, or any Co-Applicant or Authorized User, charge to my Account, less any credits. No Points shall be earned in respect of Cash Advances, interest charges, fees or redemption of Points.

Points are only available for redemption after the Statement Date of the Account Statement on which the transactions for which the Points were earned and the Points earned first appear. Transactions that take place prior to the Statement Date of an Account Statement will not appear on the Account Statement if they have not been posted or processed by the merchant, the Visa system or you by the Statement Date. I will not earn any Points for transactions that have not yet appeared on my Account Statement. If my Statement Date would otherwise fall on a holiday or weekend, it will generally be advanced to the preceding business day. As a result, the posting of some transactions and the appearance on the Account Statement of the Points for those transactions may be delayed to the next Account Statement.

7. Additional Points: You may, but are not obligated to, make arrangements with selected merchants or service establishments from time to time that allow me to earn additional Points for purchases charged to an Account. Your Rewards Network^{^} Restaurant Program1, Carlson Wagonlit Travel^{^} Program², and Thrifty Car Rental^{^} Program³ are examples of such additional Points earning opportunities.

I will refer to www.rbcrewards.com for full details of these programs and other opportunities that you may make available to me to earn Points from time to time.

8. Redemptions and Returns: On the date I request my Reward, my RBC Rewards Account will be debited the number of Points I am required to redeem for that Reward.

If, for any reason, I cancel my RBC Travel Reward request, my Account and my RBC Rewards Account may be credited the amount I spent and/or the appropriate number of Points I redeemed, on the date of receipt by you 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) my Trip Cancellation or Trip Interruption Insurance⁴. For full details, I will consult my Personal Travel Advisor at RBC Visa Infinite Travel before I complete the redemption of Points.

I understand that my Certificate of Insurance contains provisions that may limit or exclude coverage and for full details, I will refer to my Certificate of Insurance or call Assured Assistance Inc., at 1-800-533-2778 toll-free from the US and Canada, or (905) 816-2581 collect from anywhere in the world.

If, for any reason, I return merchandise, a gift certificate/card or a RBC Financial Reward voucher to you for cancellation, my Account will be credited the amount I spent and my RBC Rewards Account will be credited the appropriate number of Points I redeemed, on the date of receipt by you of the relevant information.

Notwithstanding the foregoing, I understand that some redemptions are final and cannot be returned or cancelled for credit; when a no-return policy applies to a Reward I have requested, you will notify me before I complete the redemption of Points.

9. Points Verification:

1. A section of each of my Account Statements will show my Points transactions and balance (“Points Statement”). Each month, I will examine promptly my Points Statement and each entry and balance recorded in it. If I do not notify you in writing of any errors in, or objections to, a Points Statement, or an entry or balance recorded in it, within ninety (90) days from the Statement Date indicated as such on the Account Statement, you are entitled to treat the entries and balance in that Points Statement as complete, correct and binding on me and you will be released from all claims that may be asserted by me in respect of such Points Statement, entries and balance.
2. I will not obtain any credit for erroneous or omitted Points transactions if I do not notify you of the error or omission within one (1) year of the date of the erroneous or omitted transaction.

10. Records of Points and Rewards: Your records of my Points and/or Rewards shall be final, conclusive and binding on me. You may use a microfilm, electronic or other reproduction method of any Points Statement or other document to establish my Points transactions and balance and/or my Rewards.

11. Redemption of Points:

1. Points must be redeemed during the operation of the Program and during the time that my Account is an Account in Good Standing.
2. A Co-Applicant may also redeem the Points in my RBC Rewards Account at any time. If a Co-Applicant redeems the Points in my RBC Rewards Account, you may deem such Co-Applicant to be doing so as my agent, with full authority to redeem on my behalf, even if my Points are redeemed for the benefit of the Co-Applicant, an Authorized User or any other person.
3. You may, but are not required to, permit me to designate an authorized agent in your prescribed manner to obtain information from you regarding my RBC Rewards Accounts, redeem Points on my behalf, and generally give instructions to you regarding my participation in the Program.
4. Points that remain unredeemed as of ninety (90) days after (i) the termination of the Program, or (ii) I voluntarily close my Account, will automatically be cancelled without notice to me and may not subsequently be redeemed, consolidated, converted, exchanged, combined or transferred.
5. A consolidation, conversion, exchange, combination or transfer of my Points with/to points or miles of other loyalty programs with partners you designate from time to time shall constitute redemption of my Points for all purposes of this Agreement.

12. Limit on Your Responsibility: If you improperly deny me a Reward I select, your liability will be limited to the cash equivalent of that Reward. In no event, will you be liable or responsible for, and I release you from, all claims in respect of any loss or damage suffered by me or others that is caused by:

1. failure by you to provide me with one (1) or more Points Statement(s);
2. any errors or omissions in the catalogue(s) and other sources;
3. redemption of my Points or any problem that I or others have in connection with my Reward. By redeeming my Points for a Reward, I release you from any and all liability and claims regarding the redemption or use of such Reward;
4. redemption of my Points by a Co-Applicant, Authorized User or any other Cardholder;
5. loss or theft of a Reward;
6. suspension or termination of the Program for any reason;
7. suspension or termination of my membership in the Program, the closing of my Account or the cancellation or invalidation of any or all of my Points;
8. cancellation of any RBC Travel Reward;
9. failure by the Personal Travel Advisor at RBC Visa Infinite Travel to provide me 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; and
10. performance or action of a travel supplier and/or the Personal Travel Advisor at RBC Visa Infinite Travel, in any way, including the failure of any travel supplier to perform as described. Should circumstances beyond your control result in a supplier's failure to provide a RBC Travel Reward, you may attempt, but are under no obligation, to provide a suitable replacement Reward. In the alternative, you may, but are under no obligation to, credit the Points back to my RBC Rewards Account, and if applicable, money to my Account as well, but will not assume any costs I may incur relating to that RBC Travel Reward.

13. Death/Divorce: Upon the death of an Applicant who has been awarded Points on the Program, the Applicant's membership will terminate, the Account will be closed and the Points in the RBC Rewards Account will be available for redemption by the Applicant's estate. Points that have not been redeemed as of ninety (90) days after the deceased Applicant's Account is closed, will automatically be cancelled and may not subsequently be redeemed, consolidated, converted, exchanged, combined or transferred. Points will not be exchanged for cash. Points are not divisible in case of separation or divorce.

14. Use of Information: You may exchange Program and Account related information about me with other parties, such as participating partners, merchants or service providers, as required to administer the Program or to fulfill my redemption requests under the Program. All collection, use or disclosure of personal information about me shall be in accordance with the RBC Privacy Policy that is available at www.rbc.com/privacy and at any branch of the Bank.

15. Waiver: Any waiver by you of the strict observance, performance or compliance by me of any portion of these Terms and any extension of time or other indulgence granted by you, either expressly or by course of conduct, shall not alter, affect or prejudice any of your other rights or remedies and shall be effective only in the specific instance and for the purpose for which it was given and shall be deemed not to be a waiver of any of your rights and remedies arising in respect of any other breach of these Terms. No delay or omission by you in exercising any right or remedy hereunder shall operate as a waiver of that or any other right or remedy.

16. Tax: Any federal and/or provincial tax liability for any taxes (including but not limited to personal income tax) arising from the accrual (including where permitted, consolidation, conversion, exchange, combination or transfer of Points) or redemption of Points or the receipt of a Reward is my responsibility. I understand that you will not issue tax receipts. If I redeem Points for a Charity Reward, it is the responsibility of the registered charitable organization to issue any tax receipt.

17. Changing the Program and These Terms: You may change the Program and these Terms at any time without giving me notice. Program changes may include, but are not limited to:
(i) changes to any Reward(s)
(ii) changes to the Points required to be redeemed for any Reward, or
(iii) changes to the formula upon which Points are earned.

18. Termination:

1. You may suspend or terminate the Program at any time upon a ninety (90) days notice to me.
2. Should events beyond your control, such as strikes, acts of God, terrorism, civil disturbance, war or changes in economic or business conditions, materially affect your willingness to continue the Program as it is then constituted, the Program may be suspended or terminated, in whole or in part, and my Points may be cancelled without notice to me and may not subsequently be redeemed, consolidated, converted, exchanged, combined or transferred.
3. You may, without notice, suspend or terminate my membership in the Program, cancel my RBC Rewards Account and my Points upon:
   (i) fraud or abuse by me relating to the Program,
   (ii) misrepresentation of information to you,
   (iii) failure by me to follow these Terms,
   (iv) my personal bankruptcy, or
   (v) failure by me to earn any Points in any three (3) consecutive years.
4. If my Account is closed by you for any reason other than a voluntary request from me that you do so, then my Points shall be automatically cancelled without notice to me and may not subsequently be redeemed, consolidated, converted, exchanged, combined or transferred.

19. Communications: So that I do not miss any communication from you about the Program, I will immediately notify you of any changes to my mailing address and other contact information I may have provided to you in connection with the Account. You shall have no liability for any misdirected, lost or delayed mail resulting from my failure to provide you with such notice. You may also communicate with me electronically and any notice or electronic statement of the Account you provide to me, or agreement we make electronically, will be considered to be “in writing”, signed and delivered for all purposes.

20. Interpretation: All questions or disputes regarding the Program and the interpretation of these Terms will be resolved by you in your sole discretion.

21. Points Consolidation, Conversion, Exchange, Combination or Transfer:

1. Applicants may not consolidate, convert, exchange, combine or transfer Points earned in multiple RBC Rewards Accounts, except as you may permit, and subject to such restrictions and conditions as you may impose, from time to time, in your absolute discretion.
2. You may permit me to consolidate, convert, exchange, combine or transfer Points with/to points or miles of other RBC Royal Bank^® loyalty programs, or of loyalty programs with partners you designate from time to time for this purpose, subject to the conditions and restrictions set out in sub-Section (c) below. Without limiting the foregoing, the rate of conversion, exchange or transfer of Points in each case will be determined by you, and you may prohibit consolidation, conversion, exchange, combination or transfer or limit the number of Points that may be converted, exchanged or transferred, all in your absolute discretion.
3. In order to qualify for any consolidation, conversion, exchange, combination or transfer of Points under sub-Sections (a) or (b) above, I must have an Account in Good Standing, I must be a member in the other loyalty program, and I must be able to satisfy the minimum Points requirements for consolidation, conversion, exchange, combination or transfer you set from time to time. Points may only be consolidated, converted, exchanged, combined and transferred with/to points or miles of another loyalty program account in the same name as the Cardholder.
4. Esso Extra^{^} points: I may exchange Points for Esso Extra points. A minimum of 1,500 Points must be exchanged and can only be exchanged in blocks of 300 Points thereafter. The Esso Extra account must be in the same name as the Account.
5. British Airways^{^} BA Miles: I may convert Points to BA Miles. Once Points are converted to BA Miles, 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, and the BA Miles account must be in the same name as the Account. Once the Points have been converted to BA Miles they are subject to the full terms and conditions of the British Airways Executive Club program including, but not limited to, those pertaining to flight booking, seat availability and blackout periods. I will refer to www.ba.com for full program terms and conditions.
6. Loyalty programs operated by your partners may place additional conditions and restrictions on Points consolidation, conversion, exchange, combination or transfer, including minimum and maximum Point limits and restrictions on types of benefits that may be obtained.
7. I may be charged a service fee for any Points consolidation, conversion, exchange, combination or transfer pursuant to this Section 21. It may take up to four (4) weeks for the points to appear in my account in the other loyalty programs.
   
   Points consolidation, conversion, exchange, combination or transfer are final and may not be reversed.
   
   I will refer to www.rbcrewards.com for full details.

22. General:

1. I must accumulate the required number of Points for the Reward(s) of my choice at the time of my request. 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 Internet or e-mail offers. Any taxes and basic shipping charges (by prepaid delivery service) are included in the value of the Points redeemed for each item that I order. I understand that I may request an alternative shipping arrangement, as set out in Section 24, but at a minimum charge to me of CAD $50.00.
2. All merchandise offerings are subject to availability. If an item is unavailable exactly as shown, I will be sent a substitute of equal or greater value. In such cases, I will have the option of returning the item at no cost if it does not meet my needs. If no similar item is available, I will be contacted to discuss whether I prefer to cancel or to order an alternate Reward.
3. The use of gift certificates/cards may be subject to certain terms and conditions set by the merchant issuing the gift certificate/card from time to time.
4. Points redeemed for RBC Financial Rewards vouchers have a value of CAD $1.00 per 120 Points.
5. A minimum of CAD $100.00 (equivalent to 12,000 Points) must be redeemed for each RBC Financial Rewards voucher and can only be redeemed in increments of CAD $25.00 (equivalent to 3,000 Points) thereafter.
6. The highest denomination issued for a RBC Financial Rewards voucher is CAD $500.00; however, there is no limit to the redemption total amount.
7. You are not responsible for the failure of the issuer to honour the gift certificate/card/voucher for any reason, including the insolvency or bankruptcy of that issuer.

23. How to Place an Order and Redeem your Points:

To order merchandise, a gift certificate/card, Experiences by RBC Rewards, a RBC Financial Rewards voucher, to redeem my Points for a Charity Reward or for more information about the Program and/or a RBC Rewards Account, I will contact the RBC Rewards Customer Service Centre by calling, toll-free, the number set out below. I may also place an order directly online, via your web site at www.rbcrewards.com, or by filling out an order form, a copy of which I can obtain from your catalogue(s) or other sources, including your web site at www.rbcrewards.com. My order form may be mailed or faxed to my RBC Rewards representative at the address and fax number set out below. Whether ordering by telephone, online, by mail or fax, I must ensure that I provide all order information accurately to avoid unnecessary delays.

Phone: 1-800 ROYAL^® 9-7 (1-800-769-2597)
Online: www.rbcrewards.com 
Mail: P.O. Box 4402 Station A, Toronto, ON, M5W 3V1
Fax: Toll Free Nationwide 1-888-769-2597

24. Delivery of Merchandise, Gift Certificates/Cards, Experiences by RBC Rewards and RBC Financial Rewards Vouchers:

Delivery of merchandise will be made by prepaid delivery service during normal business hours, whenever possible, unless I request expedited delivery by courier, that could take up to five (5) business days and in which case, I will be charged a minimum of CAD $50.00.

Gift certificates/cards, Experiences by RBC Rewards and RBC Financial Rewards vouchers will be sent by ordinary mail and I assume full responsibility if they are lost or stolen in the mail, unless I request that they be delivered by prepaid delivery service during normal business hours, whenever possible. I may also request expedited delivery by courier, that could take up to five (5) business days and in which case, I will be charged a minimum of CAD $50.00.

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

While you cannot guarantee any delivery times, average delivery by ordinary mail and prepaid delivery service could take up to three (3) weeks from the time my order is received.

25. Returns of Merchandise, Gift Certificates/Cards, Experiences by RBC Rewards and RBC Financial Rewards Vouchers:

1. I understand that I have a maximum of fifteen (15) days of my receiving delivery to return a Reward. Before returning any Reward, I will contact the RBC Rewards Customer Service Centre representative for full instructions and a return authorization number.
2. I must retain all packaging and carton material for returns of merchandise. Should any shortages or damages be apparent, I must note them on the delivery receipt before I sign for the Reward.
3. Merchandise purchased using Points is covered by my Purchase Security and Extended Warranty Insurance5, which doubles most manufacturers' warranties (to a maximum of one (1) additional year) and pays to repair or replace articles which are lost, damaged or stolen during the first ninety (90) days. I will refer to my Certificate of Insurance for more information.

26. Redeeming RBC Financial Rewards Vouchers for Registered and Non-Registered Financial Products:

1. The RBC Financial Rewards vouchers are made payable to Royal Bank of Canada and are accepted by RBC Dominion Securities Inc. and RBC Direct Investing Inc. if you use them to contribute to a RBC Registered Rewards plan.
2. I understand that RBC Financial Rewards vouchers can only be processed at my RBC Royal Bank branch through a customer service representative, and cannot be via an Automated Teller Machine (“ATM”).
3. I understand that RBC Financial Rewards vouchers cannot be deposited into a personal savings or chequing account.
4. I understand that if I wish to use a RBC Financial Rewards voucher towards payment of my 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.
5. If I wish to use a RBC Financial Rewards voucher towards payment of my RBC Mortgage, I understand it may only be applied as a Double-Up® payment. I understand that the minimum Double-Up payment is $100.00 and the payment cannot exceed the total of the principal and interest portions of my regular payment. For example, if I redeemed for three (3) vouchers of $100.00 each but my regular mortgage payment amount is $280.00, I will only be able to apply two (2) of the vouchers (totaling $200.00) to my payment. The other $100.00 voucher could be applied as a Double-Up payment on my next payment date.
   I also understand that it cannot be used as part of my regular payment and that I am permitted only one (1) Double-Up payment on each payment date.
6. If I wish to use a RBC Financial Rewards voucher towards payment of a credit line or mortgage loan segment under my RBC Homeline Plan, I understand it may only be applied towards payment of the outstanding principal of a Royal Credit Line or as a Double-Up payment for a mortgage loan segment under my RBC Homeline Plan account. My payment must be applied towards only one (1) Royal Credit Line or one (1) of my mortgage loan segments under my RBC Homeline Plan and cannot be divided among more than one (1) Royal Credit Line or multiple mortgage loan segments. I understand that the minimum Double-Up payment is $100.00 and the payment cannot exceed the total of the principal and interest portions of my regular payment. For example, if I redeemed for three (3) vouchers of $100.00 each but my regular mortgage payment amount is $280.00, I will only be able to apply two (2) of the vouchers (totaling $200.00) to my payment. The other $100.00 voucher could be applied as a Double-Up payment on my next payment date.
   I also understand that it cannot be used as part of a regular payment and that I am permitted only one (1) Double-Up payment on each payment date.
7. If I wish to use a RBC Financial Rewards voucher towards payment of my Royal Credit Line, I understand it may only be applied as a principal only payment to my Royal Credit Line account and cannot be used as part of my regular monthly payment.
8. If I wish to use a RBC Financial Rewards voucher towards payment of my RBC Personal Loan, I understand it may only be applied as a principal only payment to my RBC Personal Loan account and cannot be used as part of my regular monthly payment.
9. If I wish to use a RBC Financial Rewards voucher towards a contribution to a RBC Registered Rewards plan, I understand that such voucher will be applied to my RRSP or RESP just like a cash contribution. If I already have a RBC Registered Rewards plan, I will visit my RBC Royal Bank branch or my investment advisor at RBC Dominion Securities Inc., with my voucher, or send the voucher directly to RBC Direct Investing Inc., as the case may be, and give instructions to make such contribution. If I don’t already have a RBC Registered Rewards plan, I will bring my voucher to my RBC Royal Bank branch, open a RRSP or RESP and give instructions in order to make such contribution.
10. The use of RBC Financial Rewards vouchers may be subject to other terms and conditions set by you from time to time which are not expressly mentioned in these Terms. I will contact my RBC Royal Bank branch or the RBC Rewards Customer Service Centre, at 1-800 ROYAL 9-7, for full details.

Redeeming Points for RBC Travel Rewards

27. General:

1. I may request a RBC Travel Reward for friends or family whether or not they are accompanying me on the RBC Travel Reward.
2. Points redeemed for a RBC Travel Reward have a value of CAD $2.00 per 100 Points. Some RBC Travel Rewards are detailed in the applicable catalogue(s) and other sources, such as newsletters, direct mail, advertisements, brochures, flyers or Internet or e-mail offers, where the number of required Points for each Reward is set out. Points may also be redeemed for airline tickets, hotels and car rentals, cruises, Via Rail tickets, tours and other travel packages as determined and offered by the Bank from time to time.
3. I may request RBC Travel Rewards which exceed the value of the Points I am redeeming, provided such RBC Travel Rewards are part of the same trip and/or are made through RBC Visa Infinite Travel. The difference between the value of the RBC Travel Reward and the value of the Points I am redeeming will be charged to my Account. If, for example, the airline ticket I request has a value of CAD $489.00, I can redeem 20,000 Points and authorize a charge of $89.00 to my Account.
4. If I use the services of a Personal Travel Advisor at RBC Visa Infinite Travel for an air only booking without redeeming points, a $39.00 per person service fee will apply. As well, a fee of $15.00 per item may apply for other travel reservations such as train reservations.
5. All RBC Travel Rewards are subject to availability.

28. How to Place an Order and Redeem your Points:

1. RBC Travel Rewards can be redeemed by calling RBC Visa Infinite Travel at 1-888- Royal 9-7(1-888-769-2597)
2. RBC Visa Infinite Travel is exclusively available for my use to request RBC Travel Rewards and other travel arrangements that may be available from time to time for myself or others.
3. I must make reservations for RBC Travel Rewards through RBC Visa Infinite Travel; reservations made other than through these services do not qualify as RBC Travel Rewards and cannot be ordered using Points.
4. I am aware that some travel suppliers or agencies offer exclusive arrangements which may not be available for booking through RBC Visa Infinite Travel and that when they are, pricing may vary.
5. Confirmations: Reservations made through RBC Visa Infinite Travel will be confirmed to me in writing or via email no less than fourteen (14) days prior to my departure date, except in cases where time does not permit, in which case I will be notified by phone or fax or e-mail. If my request cannot be confirmed in writing, I will be contacted as soon as possible, usually within a few days. This confirmation serves as proof of purchase and it is my responsibility to check this carefully and notify RBC Visa Infinite Travel where the redemption was made of any discrepancies on the same day I receive this confirmation to possibly avoid travel provider or supplier change and cancellation fees.

29. Insurance: When I book a RBC Travel Reward through the Program, either by using Points or Points plus a charge to my Account, I am covered by various insurance benefits. For complete details, I will refer to the Certificates of Insurance for my Card.

Additional Services and Handling Charges:

Airline Ticket Purchases: no charge if redeeming points, $39.00 service fee per person if not redeeming points

Travel consultation and purchases: no charge Ticket/Reservation/Itinerary Delivery:

Regular post and e-mail: no charge

By courier: a minimum of CAD $50.00 plus applicable taxes, charged to my Account (Available to Cardholders residing in Canada or U.S.)

Ticket Alterations:

Handling charge: CAD $25.00 per alteration, plus applicable service charges and/or taxes levied by the airline, travel provider and/or supplier (to be charged to my Account).

Note: Above charges may be subject to change.

All insurance is subject to limitations and exclusions. Please refer to the Certificates of Insurance for complete details.

¹ Program offered in conjunction with Rewards Network Canada LP. The program is operated and maintained by Rewards Network Canada LP. All terms and conditions and restrictions applicable to the program are established by Rewards Network Canada LP.
² Program offered in conjunction with Carlson Wagonlit Travel, Canada (“CWT”). The program is operated and maintained by CWT. All terms and conditions and restrictions applicable to the program are established by CWT.
³ 3 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.
⁴ Coverage underwritten by RBC Insurance Company of Canada.
⁵ Coverage underwritten by RBC General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.
^® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
^™ Trademark(s) of Royal Bank of Canada.
* Registered trademark of Visa International Service Association. Used under license.
^{^} All other brand names and trademarks are property of their respective owner and are used under license.

Terms and Conditions are current as of October 2008 and are subject to change. You may always view the current Terms and Conditions by visiting www.rbcrewards.com or you may call 1-800 ROYAL 1-2 to request a current copy.