Overview of the moi RBC® Visa‡

• Minimum income Any
• Household income Any
• Recommended credit score +
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.

Refer to RBC page for up to date offer terms and conditions

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[6]This offer only applies to new applications for the moi RBC Visa credit card. To benefit from this offer, your application must be received between July 9th, 2025 and January 20th, 2025 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 be eligible to receive 3,000 welcome Moi points upon your first purchase (“Welcome Points”). The Welcome Points will appear on your monthly credit card statement and your Moi account up to six (6) weeks after your first purchase, provided your moi RBC Visa credit card account (“Credit Card Account”) remains open and in good standing at that time, “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 that time.

To receive 2,000 bonus Moi points (“Bonus Points”), (i) a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date, and (ii) your Credit Card Account must remain open and in good standing at the time the Bonus Points are awarded to your Credit Card Account and your Moi account, approximately six (6) weeks after the date you reach $500 in Qualifying Transactions. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions.

Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points and the Additional Bonus Points as well as existing RBC Royal Bank personal credit cardholders transferring to the Credit Card Account during the offer period, 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 www.rbc.com/moivisainfo. For complete terms and conditions that apply to the Moi program, please visit: www.moiprogram.ca.

[7] 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 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. If you wish to redeem more than 500 Moi points in one transaction, you may only do so in increments of 125 points thereafter. 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. “