FAQS

When you open an RBC Rewards™ Visa^† Platinum Credit Card you are automatically enrolled in the programme. Once you register, you will be able to view your point balance and transaction history, browse rewards, and redeem for rewards.

No, there is no additional charge to participate in the rewards programme.

Simply go here to register for your RBC Rewards™ account. You will be asked to select your own username and password for the programme for all future access.

All primary cardholders of the RBC Rewards™ Visa^† Platinum Credit Card account are automatically authorised access to the RBC Rewards™ call centre or to create a personal profile online. Any co-applicant or additional cardholders on the account must first be authorised by the primary cardholder to access the RBC Rewards™ account before they can set up an online profile.

Personal Cardholders:
The primary cardholder must authorise the co-applicant or additional cardholders by designating each cardholder as a "Redeemer." This can be completed online through the primary cardholder's profile or by calling the RBC Rewards™ call centre. Simply select each cardholder who can have access to the account and redeem from the RBC Rewards™ points programme. Once a co-applicant/additional cardholder has been authorised as a "Redeemer," each cardholder may create their own online profile or contact the RBC Rewards™ call centre.

Business Cardholders:
The primary cardholder (business owner) must authorise the co-applicant or additional cardholders by designating each cardholder as a "Redeemer" on the application form (for new RBC Rewards™ accounts) or maintenance form (for existing RBC Rewards™ accounts). This must be completed by the Account Manager at your local branch/banking centre. Indicate on the form which cardholder will be a "Redeemer" to have access to or to redeem from the RBC Rewards™ points programme. Otherwise, any cardholder identified as a "Non-Redeemer" will not have access to the RBC Rewards™ programme. Once a co-applicant/additional cardholder has been authorised as a "Redeemer," they may create their own online profile or contact the RBC Rewards™ call centre.

You may view your account history, reward redemption history, and point history in your account profile. Additionally, if you have chosen to pool your points with other RBC Rewards™ accounts, you will be able to view the point totals for each member of the pool, the grand total of all the points available in the pool, and all points redeemed by the pool. You will not be able to view individual credit card transactions for any member of the pool besides yourself.

Householding refers to the structure of your RBC Rewards™ Visa^† Platinum Credit Card account. All co-applicant and additional cardholders are automatically linked to the primary cardholder. This means that all points are totaled and managed as one RBC Rewards™ account. All net-purchase transactions from all cardholders on the account will be posted to one RBC Rewards™ account, no matter who completed the transaction.

For both personal and business accounts, the primary cardholder must authorise "Redeemer" rights for each co-applicant/additional cardholder to access the RBC Rewards™ account.

For personal accounts: Redeemer authorization may be completed online via the rewards site or through the RBC Rewards™ call centre.

For business accounts: Redeemer authorizations must be completed through an Account Manager at your local RBC branch.

In addition, primary cardholders in Trinidad and Tobago with multiple RBC Rewards accounts assigned to the same Customer Identification Number may view and access such accounts online by the Primary Cardholder within one Master Account View. Any authorised cardholders on an account are able to view only one account at a time, even if an authorised cardholder is assigned to multiple accounts.

Unfortunately for security purposes you are not able to change your address online. In order to make this change, please contact an RBC Customer Service Representative or your local branch and they will be able to assist with updating your address.

RBC Rewards™ offers a wide variety of rewards including free and discounted travel (airline tickets, car rentals, hotel stays, cruise and tour packages), e-gift cards, tickets to select sporting events and other experiential rewards. You can also redeem for a statement credit to cover the cost of an eligible purchase you've made using your RBC Rewards™ Visa^† Platinum Credit Card. Visit My Way Rewards to learn more about redeeming for a travel purchase, or My Way Shopping to learn more about redeeming for a dining, grocery, retail or home improvement purchase. Visit the rewards catalog for a complete listing of all of the rewards that the programme has to offer. Plus, from time to time we will offer special rewards for a limited time and with limited availability. These rewards will be promoted online, so be sure to visit the rewards programme site often.

Absolutely not. We have many customers who are able to redeem their points right away for rewards. Rewards start at just 1,500 points.

As soon as the points show up in your account you may use them to redeem rewards. Points will be calculated Tuesday through Saturday, except holidays, and will post two business days after the transaction has been posted to your credit card account. Points earned on all other days will post within 72 to 96 hours.

This is dependent on the reward that you are interested in. We have a wide variety of rewards that vary in point value, including travel options, e-gift cards, unique experiences, and more. Rewards begin at 1,500 points.

Don't forget, you earn 1 point for every net retail US dollar you spend with your RBC Rewards™ Visa^† Platinum Credit Card so your points can accrue quickly by frequently making purchases with your card.

And, if you pool your points with other family members in the RBC Rewards™ programme, you'll earn points even faster. Although it's important to remember that when you "pool" your account with others, your points become available to everyone in your pool.

My Way Shopping lets you choose what you want to redeem for. Make a grocery, home improvement, retail or restaurant purchase using your RBC Rewards™ Visa^† Platinum Credit Card and redeem points to cover the cost of that purchase. Learn more about what purchases may be available to redeem for, and how many points it takes to redeem.

Redemption for a statement credit does not replace the minimum payment on your account and can only be redeemed against a posted transaction. You must therefore always make your minimum payment regardless of the value of your My Way Shopping transaction credit in order to ensure that your account is in good standing and not past due.

Once redeemed, points for cancelled or refunded rewards may not be instated to your RBC Rewards™ account.

Posted transactions may take up to 7 days to appear on the website. Additionally, it may take up to 7 days for a credit to be processed to the account for all statement credit redemptions.

My Way Shopping involves an easy 4-step process:
STEP 1: Shop where you want to shop, pay for it using your RBC Rewards™ Visa^† Platinum Credit Card or RBC Rewards™ Visa^† Platinum Business Credit Card.

STEP 2: When the charge posts to your RBC Rewards™Visa^† Platinum or your RBC Rewards™Visa^† Platinum Business account,redeem your points for the cost of the item by selecting Purchase Transaction on the My Way Shopping statement page or by contacting an RBC Rewards Customer Service Representative.

STEP 3: If redeeming online, you will be asked to confirm the statement credit transaction by clicking the Submit button.

STEP 4: Print the confirmation for your records. Note: it will take up to 24 hours for your statement credit to appear on your banking statement.

Just like all other online transactions you may make with your RBC Visa^† Platinum Rewards Credit Card, we have gone to great lengths to ensure your confidentiality and security. We use several layers of robust security methods to ensure your personal and financial information is kept private and confidential.

Unfortunately, once redeemed for a reward, your e-gift cards, exclusive rewards certificates or travel rewards cannot be cancelled or exchanged. In addition, any changes to travel bookings will be subject to the cancellation fees, restrictions and penalties applied by the travel supplier/airline.

No, the next time you log in, your cart will contain the same items that you had when you were there last. This convenience will allow you to browse and shop for your rewards without having to complete the transaction all at once. You may also add items to your Wish List directly from the awards online catalog or from your shopping cart. This allows you to monitor your progress towards earning enough points for the award or simply just come back later to redeem it.

E-Gift Cards will be sent to the email address on record for your RBC Rewards™ online profile and should be delivered within 24-48 hours of redemption. . However, please note if you change your email address on record prior to redeeming for an e-gift card a customer service agent will contact you within 72 hours to confirm the new email address. Once the new email address has been confirmed the e-gift card will be processed.

An e-gift card is a voucher redeemable at a merchant, which is issued electronically via email. The discount code provided in the e-gift card can be printed and redeemed at the merchant's retail location or online depending on the options available for a specific merchant.

With an e-gift card, customers receive a redeemable merchant certificate via email within 24-48 hours, eliminating any wait for a postal shipment of a physical card or voucher.

Similar to a physical gift card and paper certificates, if you are redeeming the e-gift card at an online merchant there will be a code you must input. If you are redeeming at a retail location you will need to print the e-gift card and bring it with you to redeem at the retailer.

Yes, e-gift Cards can be gifted/regifted to other persons.

Travel redeemed using RBC Rewards™ points are also covered by Visa's insurance benefits available when booking travel directly with an RBC Rewards™ Visa^† Platinum Credit Card or RBC Rewards™ Visa^† Business Platinum Credit Card. Coverage includes Worldwide Auto Rental insurance up to 31 days, Travel Accident Insurance up to $500,000, and out-of-country medical insurance. If the entire cost of a covered trip was purchased using RBC Rewards™ points only, the customer will be required to submit a letter to Visa from RBC confirming the trip was purchased using points and no additional claim will be made by the customer to another insurance provider.

For more information or to make a claim:

Personal cardholders: please visit the RBC site here.

Business cardholders: please visit the RBC site here.

RBC Rewards™ customers will automatically earn points for every purchase on your RBC Rewards™ Visa^† Platinum credit card.

There is no limit to the number of points that you are able to earn. In the RBC Rewards™ programme, customers will earn 1 point for each $1.00 USD or local currency equivalent you charge on net purchases. All points in the rewards programme will be converted to a USD equivalent even if the original transaction was in your local currency.

Points are not earned for cash advances, convenience checks, balance transfers, unauthorised charges, lottery tickets, credits for returned merchandise, travelers checks from a non-financial institution, foreign currency, bail bonds, finance charges, and fees of any kind such as late fees, over limit fees, or annual fees. Points earned for disputed charges or returned purchases will be reversed.

Actual point accumulation begins after the first retail purchase you make with your RBC Rewards™ Visa^† Platinum credit card.

Yes, all points have a maximum four (4) year term, and expire at the end of four (4) years, based on first in first out (FIFO) principles. Base and bonus points will have the same four (4) year expiration term. Points expiring during the year will be deducted from your account on the last day of the month in which the points expire. For example, points earned on November 5, 2012 will expire on November 30, 2016.

No, there is no limit to the number of points that you may earn. The more you spend, the more you earn!

No, there is no additional charge to redeem points online. In fact, we encourage our customers to redeem online since it is easy, convenient and available 24/7, 365 days a year. Book online at RBCrewardscaribbean.com

Check your Points Statement online to review your detailed transactions or you may call a RBC Rewards™ Customer Service Representative.

The points you earn for purchases using your RBC Rewards™ Visa^† Platinum Credit Card will be calculated Tuesday through Saturday, except on holidays, and will post two business days after your transaction. Points earned on all other days will post within 72 to 96 hours.

One of the unique benefits of the RBC Rewards™ programme is that personal and business cardholders may combine or "pool" the points earned from their other RBC Rewards™ Visa^† Platinum Credit Card account(s) to earn points faster. There is no limit to the number of cardholders that you may pool your account(s) with, so you may earn the rewards that you've always dreamed of much faster than you may have ever imagined. However, you can belong to only one pool at a time.

Personal Cardholders

In addition to combining points from their own RBC Rewards™ accounts, personal cardholders may also pool their points with family members who have RBC Rewards™ Visa^† Platinum personal accounts or with their business account. The primary cardholder and any cardholder authorised as a "Redeemer" on the RBC Rewards™ accounts may set up a pool.

This pool/householding functionality is available on all RBC Rewards™ Visa^† Platinum Credit Cards and there is no limit to the number of cardholders or accounts that may be pooled. In addition, there are no logistical constraints (same last name, street number, etc.) required to pool accounts. All requests for rewards pooling on personal accounts, even the cardholder combining their own RBC Rewards® Visa^† Platinum Credit Card accounts, must be invited and choose to accept to join the pool. The invitations and acceptance must be completed online and only once the cardholder has created a personal profile using the appropriate security validation and accepted the terms and conditions of setting up a pool.

All personal cardholders participating in the rewards pool will have access to view detailed transaction and point information on their own personal accounts. Pooled members will only see their own detailed transaction history, whereas available pooled points will be displayed as an aggregate.

Business Cardholders

RBC Rewards™ business cardholders may also combine or "pool" the points earned from their other RBC Rewards™ business or personal credit card accounts.

An Account Manager at your local branch will assist with this programme feature. Only the primary cardholder (business owner) is permitted to set up a pool and only through their RBC Representative or Account Manager at their local branch.

Personal Cardholders

To join a pool with another RBC Rewards™ account you must be invited to join a pool by another RBC Rewards™ Visa^† Platinum cardholder. An electronic invitation will be sent to you by the cardholder providing you with additional information and an option to accept or decline the invitation. If you choose to accept the invitation, you will register your RBC Rewards™ Visa^† Platinum Credit Card(s) to participate. Due to security reasons, you are only able to register one RBC Rewards™ Visa^† Platinum Credit Card per invitation. However, once you have entered a pool, you may send an invitation to yourself to add another of your own RBC Rewards™ Visa^† Platinum Credit Card accounts to the pool. Pooling setup/acceptance is only available online.

Business Cardholders

Only the primary cardholder (business owner) is permitted to set up a pool with their other RBC Rewards™ Visa^† Platinum Credit Card accounts. This must be set up through their RBC Representative or Account Manager at their local branch.

Security is a primary concern for RBC. It is with security in mind that we created additional requirements to ensure all accounts that are part of a pool are authorised individually before being combined. This means that you may add as many of your credit cards to a single pool as you'd like, but you will need to send an invitation, or have another pool member send you an invitation, for each of the personal accounts that you would like to pool. While we understand this requires some additional work on the part of our customers, we hope you will appreciate the added level of security that we have incorporated.

Regardless of whether you are accumulating points individually or as part of a pool, all points are combined into one centralised pool for redemption. The oldest points (first points that you earn) will be the first points that are resigned when you redeem for a reward. In a pool, all points are combined regardless of who earned them. For example, if a member of the pool redeems for an e-gift card/exclusive rewards certificate valued at 5,500 points, the allocation of points could potentially come from each member of the pool based on when they were originally earned (all points are automatically date and time stamped).

Personal Cardholders

Any personal cardholders who choose to leave an RBC Rewards™ pool will simply request to be "unlinked." Any rewards pool member may leave the pool at any time and without notice. If you choose to voluntarily close your entire account, you will not receive a proactive reminder to redeem your points. Once your account is closed, all your points will be surrendered and deducted from the rewards pool. If you are not closing an account, but unlinking from the pool, you will retain your individual remaining point balance. For example, if three individuals pool their personal accounts and one customer decided to leave the pool, the account is unlinked and the individual's earned points are transferred to the individual's new RBC Rewards™ personal account. You may now choose to earn and redeem points only within your own household or join a separate pool.

Business Cardholders

Business cardholders who choose to "un-pool" their RBC Rewards™ Visa^† Business Platinum credit card accounts must do so through their RBC Representative or Account Manager at their local branch at the request of the primary cardholder (business owner) only.

You will receive an email notification if any member of your pool invites another member to join. Although you will not have an opportunity to block inviting this new pool member, you certainly may leave the pool if you are not in agreement with the decision to add a new member to your pool.

Security is a primary concern for RBC. It is with security in mind that we created additional requirements to ensure all accounts that are part of a pool are part of the same business and appropriately authorised by the owner of the business account(s). While we understand this requires some additional work on the part of our customers and Account Managers, we hope you will appreciate the added level of security that we have incorporated.

An RBC Rewards™ Visa^† Business Platinum Credit Card account is automatically householded, which means all co-applicant and additional cardholders on the business account are automatically combined/linked to the primary cardholder. Points earned from all of the cardholders are assigned to one RBC Rewards™ account. This is automatically created at the time of account and card setup. For business accounts, the primary cardholder will have access to view and redeem points from the RBC Rewards™ account. All other cardholders will not access, or be able to view or redeem points until authorised by the primary cardholder (business owner). An RBC Representative or Account Manager will assist the primary cardholder with authorisations for co-applicants or additional cardholders.

In addition, Business Owner(s) (Primary Cardholders) in Trinidad and Tobago with multiple RBC Rewards™ accounts assigned to the same Customer Identification Number may view and access such accounts online by the Primary Cardholder within one Master Account View. Any authorised cardholders on an account are able to view only one account at a time, even if an authorised cardholder is assigned to multiple accounts.

RBC offers a unique redemption option which enables you to transfer your points from your RBC Rewards™ account or pool to another RBC Rewards™ account. The transfer may be to your own account or the account of another RBC Rewards™ member.

Business customers may transfer RBC Rewards™ points to a second RBC Rewards™ account in your business name with the same ownership.

Any account holder with the authority to redeem on the RBC Rewards™ accounts may transfer points.

You may transfer credit card pointredeemn s by visiting "Transfer/Gift Points" and providing the required information to complete the transfer. You may select from the drop down menu the amount of points that you would like transferred from your account to your own RBC Rewards™ account/pool to another RBC Rewards™ account at RBC. The minimum number of points you can transfer is 2,500. You must be registered on the site and will need to log in to your account on the site to view your earned points and conduct the transfer. Points cannot be transferred using the Rewards Customer Service Call Centre. However, you may contact our agents for assistance in completing the point transfer online.

This option is only available online through this website. However, you may contact our agents for assistance in completing the point transfer online.

Yes, similar to point redemptions, you have full access to the pool balance and you are able to transfer some or all of the points in your pool to another RBC Rewards™ account. Business customers are restricted to transferring only to accounts in your business name with the same ownership.

The account/pool transferring points as well as the account receiving the transferred points must be with RBC and must be open and in good standing. You may not transfer points to a closed account or to an account outside RBC.

Rewards points transferred to another account will retain their original expiration date.