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

• ^®/^TM Trademarks of Royal Bank of Canada. Used under licence. ^‡ All other trademarks are the property of their respective owner(s). Used under licence.
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• ¹ To benefit from this offer, your application must be received between June 6th, 2024 and July 8, 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 3,500 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.To receive the additional 3,500 bonus Moi points (“Additional Bonus Points”), (i) a total of $2000 or more in Qualifying Transactions must be posted to your Credit Card Account within the first 12 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 Additional Bonus Points are awarded to your Credit Card Account and your Moi account, approximately six (6) weeks after the date you reach $2000 in Qualifying Transactions.
• For more clarity, the amount of $500 in Qualifying Transactions and the amount of $2000 in Qualifying Transactions are not cumulative, meaning that if a total of $2000 in Qualifying Transactions is posted to your Credit Card Account within the first 12 months from your Credit Card Account opening date, including $500 within the first 3 months, you’ll be eligible for both the Bonus Points and the Additional Bonus Points, provided that your Credit Card Account remains open and in good standing at the time the Bonus Points and the Additional Bonus Points are awarded to your Credit Card Account and your Moi account. However, if you do not spend $500 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $2000 in Qualifying Purchases in the first 12 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided that your Credit Card Account remains open and in good standing at the time the Additional Bonus Points are awarded to your Credit Card Account and your Moi account.
• Authorized user(s) are not eligible for the Welcome Points nor the Bonus Points and the Additional 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.
• * Based on the moi program redemption rate of 500 moi points for $4.00. 10,000 moi points have a redemption value of $80.00. 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.