RBC Rewards Programme - Terms and Conditions

1. What the Words Mean:

"Account" means the RBC Rewards™ Visa† Platinum account in the name of the Primary Cardholder (and includes a joint account applied for by more than one person) or RBC Rewards™ Visa† Platinum Business account opened in the name of the Business Customer maintained by the Bank in relation to the Card Transactions or Business Card Transactions.

"Account in Good Standing" means an Account that is not more than two (2) Account Statement periods past due; is not closed; charged off or in credit revoked status, according to RBC Royal Bank's credit risk policies in effect from time to time;

"Account Statement" means your written statement of the Account prepared each month unless there has been no Account activity or no Debit is owing.

"Additional Cardholder" means any Cardholder on an Account other than the Primary Cardholder of a personal account and the Business Customer of a business account. This can be an authorised user or co-applicant.

"Air Travel Reward" means airline travel booked in exchange for Points;

"Application" means the request made to RBC Royal Bank for the Account and a Card;

"Authorised Cardholder" means a person to whom the Bank has issued an additional Card on the Account at the Primary Cardholder's or Co- Applicant's request or any persons for whose use a business card is issued by the Bank at the request of the Customer and who also has access the RBC Rewards™ Account in order to view the Points Balance, as well as to redeem and pool.

"Business Customer" means an individual and any body corporate or non-corporate in whose name an Account is maintained, and where the Customer consists of two or more persons, then that definition shall throughout mean all or any of them and the liability of such persons shall be joint and several.

"Bank" means the RBC legal entity which maintains the Account.

"Card" means a RBC Royal Bank Credit Card or RBC Royal Bank Business Credit Card and all renewals of and replacements issued by the Bank in the name of the Cardholder or Customer for that credit card;

"Cardholder" means an individual to whom the Bank has issued a RBC Rewards™ Visa† Platinum or RBC Rewards™ Visa† Business Platinum;

"Cash Advance" means an advance of cash obtained by use of the Credit Card and is charged to the Account and includes the use of a balance transfer, where applicable.

"Cash Back Credit Reward" means a credit applied to an Account in exchange for Points;

"Cash-Like Transaction" means a transaction that involves the purchase of items that are similar to or easily converted to cash and that you designate for treatments as a Cash Advance;

"Co-Applicant" means a joint account holder under the Account.

"My Way Shopping Credit Reward" means credit applied to an Account in order to cover for the purchase of a Shopping Reward, in full or in part, in exchange for Points;

"My Way Travel Credit Reward" means a credit applied to an Account in order to cover for the purchase of a Travel Reward, in full or on part, in exchange for Points;

"Net Purchases" means purchases of goods and services that you or an Additional Cardholder charges to your Account, less any credits;

"Point(s)" means RBC Rewards™ points earned on purchases made on your RBC Rewards Visa† Platinum and RBC Rewards Visa† Business Platinum;

"Points Balance" means the points reflected on your Account Statement showing the total number of Points earned to date as well as the points reflected on your online profile at RBCrewardscaribbean.com showing complete details of the individual transactions which earned Points, Points redemptions as well as pooled or purchased Points;

"Primary Cardholder" means the person who has been nominated as such and in whose name the Bank has opened an Account and to whom Account Statements are provided.

"Programme" means the RBC Rewards™ Programme that allows you to earn and redeem Points for Rewards;

"RBC Rewards™ Account" means the nominal account RBC Royal Bank opens and maintains in the name of the Primary Cardholder or Business Customer and Additional Cardholders for the crediting and debiting of Points earned, redeemed, pooled or purchased in connection with the Programme;

"RBC Rewards™ Redemption Chart" means the chart that is used for each Reward in order to indicate, amongst other information, the dollar value of the Reward, the number of Points required to redeem for the Reward as well as the fees applicable to the redemption. The RBC Rewards™ Redemption Charts are subject to change without notice and when applicable, will be updated on the Programme Website at RBCrewardscaribbean.com.

"RBC Royal Bank", "we", "us", "our" means, Royal Bank of Canada, RBC Royal Bank N.V., RBC Royal Bank (Aruba) N.V., RBC Royal Bank (Bahamas) Limited or RBC Royal Bank (Barbados) Limited, RBC Royal Bank (Cayman) Limited, or RBC Royal Bank (Trinidad & Tobago) Limited depending on the country in which your Card was issued; and "you" and "your" mean the Primary Cardholder for a personal account and the Business Customer for a business account. In certain circumstances, it can also mean an Additional Cardholder or Cardholder;

"Reward" means Travel Rewards, Shopping Rewards redeemable for merchandise or services at select merchants, Statement Credit Rewards which is a Cash Back Credit Reward or My Way Travel Credit Reward;

"Statement Date" means the date indicated as such on an Account Statement, which is the date on which an Account Statement is generated;

"Shopping Reward" means retail, grocery, restaurant and home improvement purchases;

"Terms" means these RBC Rewards™ Terms and Conditions;

"Transfer" means the ability for an Authorised Cardholder to transfer Points from their RBC Rewards™ Account to another RBC Rewards™ Account.

"Travel Reward" means Air Travel Rewards, hotel stays, car rentals, cruises, and vacation packages.

You agree with RBC Royal Bank as follows:

2. General

These Terms apply to the Programme. The Programme is a marketing programme that is offered in designated countries in the Caribbean as a benefit for Primary Cardholder, Business Customer and Additional Cardholders on an Account. This Programme is sponsored by RBC Royal Bank and is administered by Kobie Marketing Inc., an independent contractor not affiliated with RBC Royal Bank. These Terms are separate and distinct from your Cardholder Agreement. The Programme (or as applicable, any feature thereof) is not available and is void where prohibited by any law or regulation. The Programme is offered at our sole discretion.

3. Acceptance of Terms

If you activate, sign or use your Card, it will mean that you have received and read these Terms and that you have understood and agreed with us to everything written here. Notwithstanding any other section of these Terms, the posting of the current version of the Terms at RBCrewardscaribbean.com shall be deemed notice to you of such Terms, where notice is required or permitted to be given to you here under.

4. Eligibility

Cardholders are automatically enrolled in the Programme. There are no additional fees to participate in this Programme. However, Points can only be redeemed by creating an account on rbcrewardscaribbean.com or by calling RBC Rewards.

The Programme, including earning and redeeming Points, is available to you if you have a Card and an Account in Good Standing. Accounts not in Good Standing will not earn Points. For a personal account, Points in the RBC Rewards™ Account are solely for the benefit of the Primary Cardholder, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. For a business account, Points in the RBC Rewards™ Account are solely for the benefit of the Business Customer, subject to the rights of an Authorised Cardholder to redeem Points as set out in section 10. Different rules apply when multiple Accounts are combined or "pooled", as set out in sections 11 through 14 below.

Notwithstanding the foregoing, RBC Royal Bank reserves the right to approve, deny or revoke membership or the right to participate in the Programme with respect to any person for any reason whatsoever, at RBC Royal Bank's sole discretion.

5. Points

The Programme is based on Points. Points cannot be earned until an Account has been established and a Card number has been assigned to you. No retroactive Points will be given. Points have no cash or monetary value, are non-negotiable, and cannot be redeemed either in whole or in part for cash or any other remuneration, except for Rewards and Rewards-related services offered through the Programme described herein. Points do not constitute property of any Cardholder or other person and may not be brokered, bartered, attached, pledged, sold, split or transferred upon disability or death of a Cardholder, operation of law, or in connection with any domestic relations dispute, separation, divorce and/or other legal proceeding.

Bonus Points for website registration, email communication opt-in and first purchase is restricted to one bonus per Account.

The first usage bonus must be earned within 30 days of the Account being established in order for a client to qualify for the points. RBC Royal Bank reserves the right, at any time and in its absolute discretion, to vary the earning timeframe from 30 days.

6. Earning Points

With your Card, you will earn Points for Net Purchases in USD or local currency charged to your Account during the operation of the Programme. Transactions will be converted from local currency/non-USD transactions to the equivalent USD for the purpose of earning Points, at the pre-set earn ratios listed below:

	Country	Card Currency	Earn Ratio
1 point	Aruba	Aruban Florins US Dollar	$1.80 AWG $1.00 USD
1 point	Cayman Islands	Cayman Islands Dollar US Dollar	$0.83 KYD $1.00 USD
1 point	Bahamas	Bahamian Dollar US Dollar	$1.00 BSD $1.00 USD
1 point	Barbados	Barbadian Dollar US Dollar	$0.50 BBD $1.00 USD
1 point	Bonaire	US Dollar	$1.00 USD
1 point	Curacao	Caribbean Guilder US Dollar	$1.82 XCG $1.00 USD
1 point	Saba	US Dollar	$1.00 USD
1 point	St. Maarten	Caribbean Guilder US Dollar	$1.82 XCG $1.00 USD
1 point	Trinidad and Tobago	Trinidad and Tobago Dollars	$6.8 TTD

The earn ratios above are subject to change without notice and when applicable, will be updated on the Programme website at RBCrewardscaribbean.com.

Credits for returns, adjustments or disputed charges reflected on your Account Statements during the operation of the Programme will reduce or cancel the Points earned by the amounts originally charged.

No Points shall be earned in respect of Cash Advances, interest charges, fees of any kind, unauthorised charges, redemption or purchase of Points, lottery tickets, travellers' cheques (those would be Cash-Like Transactions), foreign currency, fraudulent transactions and bail bonds.

Points earned between Tuesday and Saturday, except holidays, will post to your RBC Rewards™ Account two (2) business days after receiving transaction data. Points earned on all other days will post within 72 to 96 hours. Earned Points are calculated on transactions/actual dollars spent rounded (up or down) to the nearest Point. No fractional Points will be awarded.

7. Additional Points

RBC Royal Bank may, but is not obligated to, make arrangements with selected merchants or service establishments from time to time that allow you to earn additional Points for purchases charged to an Account. You will refer to RBCrewardscaribbean.com for full details of these programmes and other opportunities that we may make available to you to earn additional Points from time to time.

Welcome bonus points may be issued to new cardholders who apply for a new card as a Primary Cardholder. The welcome bonus points are only awarded once per customer. Existing RBC Visa† Platinum cardholders will be ineligible for any new welcome bonus offers. The bonus offer may be changed, extended or withdrawn at any time without notice. Bonus points will not be issued to Co-applicants, Authorized users or for Card replacements.

8. Points Verification

You will examine promptly your Points Balance each month. You must notify RBC Royal Bank in writing within 60 days from your statement date of any errors in, or objections to, a Points Balance, or an entry recorded in it. You will not obtain any credit for erroneous or omitted Points transactions if you do not notify RBC Royal Bank of the error or omission within sixty (60) days of the date of the erroneous or omitted transaction.

If you have a dispute concerning accrual or redemption of Points and/or other Programme activities, please notify RBC Royal Bank by sending a letter to the address indicated on your Account Statement or by placing a telephone call to the RBC Rewards™ Customer Service Centre. RBC Royal Bank will investigate the matter. If following such investigation RBC Royal Bank determines it appropriate, RBC Royal Bank will re-credit your Points for the amount in dispute, or determine that a different adjustment or no adjustment is necessary. You can view when your Points are scheduled to expire online at RBCrewardscaribbean.com.

9. Records of Points and Rewards

Our records of your Points and/or Rewards shall be final, conclusive and binding on you. We may use a microfilm, electronic or other reproduction method of any Points Balance or other document to establish your Points transactions and balance and/or your Rewards.

10. "Rolling-up" Points

Within an RBC Rewards™ Account

(i) Your personal accounts

Primary Cardholders who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Primary Cardholder RBC Rewards™ Account. The Primary Cardholder will have access to view the Points Balance, as well as earn, pool and redeem. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to pool and redeem unless they are an Authorised Cardholder. The Primary Cardholder can assign Authorised Cardholder(s) at RBCrewardscaribbean.com.

(ii) Your business accounts

Business Customers who have Additional Cardholder(s) on the Account will automatically have their Additional Cardholder(s)' Points "rolled-up" into the Business Customer's RBC Rewards™ Account. The Business Customer will have permission to view the Points Balance, as well as earn and redeem. Additional Cardholder(s) on the Account will also earn Points but will not have the right to view the Points Balance, nor will they have the right to redeem unless they are an Authorised Cardholder. The Business Customer must contact their account manager or RBC Royal Bank branch to assign Authorised Cardholder(s).

11. Combining RBC Rewards™ Accounts - personal accounts

Primary Cardholders or Authorised Cardholders may also "pool" the Points earned with their personal account(s) with those earned with any family member's personal account(s). This pooling functionality is available on all personal accounts and there is no limit to the number of RBC Rewards™ Accounts that can be combined. No existing relationship constraints (same last name, street number, etc.) are required to combine RBC Rewards™ Accounts. All requests for combining RBC Rewards™ Accounts and pooling Points must be completed online by the Primary Cardholder or any Authorized Cardholder through the Programme Website at RBCrewardscaribbean.com. You must send an electronic invitation to at least one of the Primary Cardholder or Authorised Cardholder(s) of other RBC Rewards™ Accounts that you would like to join a pool. These Cardholders must accept your invitation before RBC Rewards™ Accounts are combined. These Cardholders must acknowledge the terms for combining RBC Rewards™ Accounts and pooling Points, and fully understand that there is an inherent risk for Cardholders when choosing to pool all of the Points they have earned with their personal account(s) with other Cardholder(s) in the pool.

Additionally, Cardholders in the pool cannot control specifically which other Cardholder(s) in the pool chooses to invite other Cardholder(s) to join the pool. All Cardholders in an existing pool will be alerted by email (provided they have registered a valid email address) when a Cardholder in the pool invites a new Cardholder to join the pool. All accepted invitations must be validated for security purposes i) against the username and password, for Cardholders that have registered on the Programme Website, and ii) against the actual personal account information, for Cardholders not previously registered on the Programme Website.

All Cardholders in the pool will have access to view detailed information on their own RBC Rewards™ Account(s) via the Programme Website by entering their Card login information. Cardholders in the Pool can only see their own personal detailed transaction history attached to their RBC Rewards™ Account, and will have access to view the number of available pooled Points in aggregate. All Cardholders in the pool may redeem any Points available within the pool, regardless of the personal account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Cardholder in the pool without further authorisation or notification from any other Cardholder(s) in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in the pool redeems Points from the aggregate pool.

All Points accrued, redeemed and expired will be determined based on a first-in, first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate Cardholders in the pool. When redeeming, the oldest Points in the aggregate pool (first-in) are the first to be redeemed (first-out), regardless of which Cardholder that has requested the actual redemption, or earned the original Points.

12. Leaving the Pool - personal accounts

All Cardholders who choose to leave a pool must request to be "unlinked" via the Programme Website. Any Cardholder in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice. If a Cardholder in the pool voluntarily or involuntarily closes their personal account, there will not be a proactive reminder to redeem Points in their own RBC Rewards™ Account. Once the personal account is closed, the Points in this Cardholder's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a personal account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing Cardholder's RBC Rewards™ Account will be retained by that Cardholder, and deducted from the pool. For example, if three (3) Cardholders combine their RBC Rewards™ Account(s) and one (1) Cardholder decides to leave the pool and keep their individual RBC Rewards™ Account segregated, the departing Cardholder's RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Cardholder's RBC Rewards™ Account. Also, each Cardholder can only participate in one pool at any time. If a Cardholder that is participating in one pool accepts an invitation to join another pool, the Cardholder will automatically be unlinked from the original pool and all remaining available Points that the Cardholder had accrued in their own RBC Rewards™ Account, but not yet redeemed, will be transferred to the new pool that he/she agreed to participate in. There is no loss or forfeiture of Points in these scenarios.

13. Combining RBC Rewards™ Accounts - business accounts

Business Customers with multiple business accounts in the same operating business name may combine RBC Rewards™ Accounts and "pool" Points earned with their business account(s). Business Customers may also pool their personal account with their business account. This pooling functionality is available on all business accounts and there is no limit to the number of RBC Rewards Accounts that can be combined so long as they are RBC Rewards™ Accounts of the same Business Customer. All requests for combining RBC Rewards™ Accounts and pooling Points must come from a Business Customer and must be completed by an account manager. Business Customers and Authorised Cardholders will have access to view detailed information on each Business Customer's RBC Rewards™ Account(s) via the Programme Website, by entering their Card login information. Business Customers and Authorised Cardholders may redeem any Points available within the pool, regardless of the business account with which the Points were originally earned. It is critical to understand that when participating in a pool, Points may be redeemed by any Business Customer or Authorised Cardholder in the pool without further authorisation or notification to any other Cardholders in the pool. It does not matter who earned the Points when redeeming from the pool, so by accepting to be part of a pool, you agree to relinquish any control over who in your pool redeems Points from the aggregate pool. Only the Business Customer(s) and Authorised Cardholders can access, view and redeem. Only the Business Customer(s) has authorisation to modify, add or delete business and personal accounts within the pool. These changes must be completed through your account manager or local branch.

All Points accrued, redeemed and expired will be determined based on a first-in first-out (FIFO) principle, regardless of who earned or redeemed the Points. All Points are time-stamped according to when they are earned by the aggregate. When redeeming, the oldest Points in the aggregate pool, (first-in) are the first to be redeemed (first-out) regardless of which Cardholder that has requested the actual redemption, or earned the original Points.

14. Leaving the Pool- business accounts

Business Customer(s) who choose to leave a pool must request to be "unlinked" via their account manager. Any Business Customer in the pool can remove their RBC Rewards™ Account from the pool at any time and without notice, by contacting their account manager or local branch. If a Business Customer in the pool voluntary or involuntarily closes their business account, the Business Customer will not receive a proactive reminder to redeem the Points. Once a business account is closed, the Points in the Business Customer's RBC Rewards™ Account are automatically surrendered and deducted from the pool. If not closing a business account, but simply unlinking an RBC Rewards™ Account from the pool, the Points in the departing RBC Rewards™ Account will be retained by the Business Customer, and deducted from the pool. For example, if three (3) RBC Rewards™ Accounts are combined together by a Business Customer and at a later date, one (1) RBC Rewards™ Account is unlinked, then that RBC Rewards™ Account is unlinked and the Points earned that have not yet been redeemed are retained on that Business Customer's RBC Rewards™ Account. Also, each RBC Rewards™ Account can only participate in one pool at any time.

15. Purchasing Points

Authorized Cardholders may purchase additional Points on rbcrewardscaribbean.com to be allocated to their RBC Rewards™ Account, in USD or local currency charged to their Account during the operation of the Programme. Points are sold in 1,000 Points increments at a cost of:

- $35 USD

- $35 BSD

- $30 KYD

- $70 BBD

- $235.00 TTD

- $63.00 AWG

The purchase ratios above are subject to change without notice and when applicable, will be updated on the Programme Website at RBCrewardscaribbean.com.

Authorization from RBC Royal Bank for the transaction may be necessary to ensure the credit limit allows for such transaction. Points can be purchased online through the Programme Website at RBCrewardscaribbean.com or by calling an RBC Rewards™ Customer Service Centre.

All Points must be purchased using your Account. All purchased Points will be posted and available immediately, unless authorisation is required and in that instance, the transaction will be authorised within one (1) business day. Once purchased, the transaction is considered final and Points cannot be refunded or exchanged. All of these Terms apply to Points that are purchased.

16. Transferring Points

Primary or Authorised Cardholders may Transfer some or all of the Points in the RBC Rewards™ Account to a second RBC Rewards™ Account. Personal RBC Rewards™ Accounts may transfer Points to another RBC Rewards™ Account in your own name or transfer some or all of the Points in your RBC Rewards™ account/pool to any other Personal RBC Rewards™ Account at RBC. Business RBC Rewards™ Accounts may transfer Points to a second RBC Rewards™ Account in your business name with the same ownership. All Point transfers must be completed online through the Programme Website at RBCrewardscaribbean.com.

Your transfers are remitted immediately when processed. You must be registered with an online RBC Rewards™ profile and password to complete a transfer to another RBC Rewards™ Account and accept the terms associated with this transfer. Any Cardholder with the authority to redeem on the RBC Rewards™ Account may transfer Points which includes Primary Cardholder and Business Customer Authorised Cardholders. You will be able to transfer your Points on the RBC Rewards™ redemption website using the Transfer Points feature. The account/pool being debited with 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™.

You may transfer Points by selecting the "Transfer/Gift Points" link and providing the required information to complete the transfer. You must know the full name and 16-digit card number of the recipient account to complete this redemption request. Follow the online steps to complete the recipient's name, RBC Rewards™ card number and from the drop down menu select the Point value of the Transfer you would like remitted from your RBC Rewards™ account/pool to another RBC Rewards™ account. The minimum number of Points you can transfer is 2,500. The transfer may be to your own account or the account of another RBC Rewards™ member. You must be registered on the website and will need to log in to your RBC Rewards™ Account to view your earned Points and conduct the transfer. Points cannot be transferred using the RBC Rewards Customer Service Call Centre. However, you may contact our agents for assistance in completing the Point transfer online.

Transferred Points will be determined based on a first-in, first-out (FIFO) accounting convention. All Points are time-stamped according to when they are earned. When transferring, the oldest Points (first-in) are the first to be transferred (first-out). All transferred Points will retain their original expiration date.

17. Points Expiration

Points have a maximum four (4) years 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) years expiration term. Points expiring during the year will be cleared from your RBC Rewards™ Account on the last day of the month in which the Points expire. For example, Points earned on November 5, 2021 will expire on November 30, 2025.

If your Account becomes more than sixty (60) days past due, you will forfeit all accumulated Points. For any Account in hold or in voluntarily or involuntary closed status, outstanding Points may not be redeemed or pooled with a new or active RBC Rewards™ Account and all Points will be forfeited without further notice or obligation from RBC Royal Bank.

Upon the death of a Primary Cardholder who has earned Points through the Programme, that Primary Cardholder's membership will terminate, the personal account will be closed and the Points in the RBC Rewards™ Account will be available for redemption by that Primary Cardholder's estate. Points that have not been redeemed as of ninety (90) days after the deceased Primary Cardholder's personal account is closed will automatically be cancelled and may not subsequently be redeemed or pooled. For a business account, the same principles apply upon the death of a Business Customer.

18. How to Place an Order and Redeem Your Points for a Reward

To redeem your Points and order a Reward, please visitrbcrewardscaribbean.com and log in with your user ID and password. If you have not created your user ID and password, please select the “Register Here” option and follow the instructions. All order information must be provided accurately to avoid unnecessary delays. Some items may be fulfilled via online submission with a booking being completed by an agent.

When we receive your redemption request, we will review your account to verify that you have sufficient Points to redeem for the Reward you are requesting. If a credit or other adjustment results in insufficient points for a reward, we will not fulfill the redemption request. If the redemption request is fulfilled and a subsequent adjustment is made or we later discover that you did not have sufficient Points for that Reward, you may forfeit future point earnings until you accrue sufficient Points. You also agree that you owe RBC Royal Bank the value of the redemption in the event you did not have sufficient Points to redeem.

If you have questions or any issues with redeeming your points online, please contact the RBC Rewards™ Customer Service Centre by calling the number below for your region.

Dutch Caribbean

Aruba Tel: (297) 588-0101

Curacao Tel: +(5999) 763-8438

Bonaire Tel: +(599) 717-4500

St. Maarten Tel: +1(721) 546-7288

Saba Tel: +1(721) 546-7288

Bahamas and Turks & Caicos Islands

Nassau Tel: 242-326-CARD (2273)

Family Islands Tel: 242-300-8472

Toll-free (from Canada) Tel: 1-800-796-0021

Toll-free (from USA) Tel: 1-800-292-7791

Barbados, and Cayman Islands

Barbados Tel: 1-888-847-5803

1-800-796-0021 (International Use)

 

Trinidad and Tobago Tel: 800-1RBC (722)

1-868-625-1083 (International Use)

 

19. Redeeming your Points for Cash Back Credit Rewards

You may redeem your Points for a Cash Back Credit Reward. Credit(s) are normally applied to your Account within 72 hours.

The Cash Back Credit Reward is based on the number of Points available to redeem in your RBC Rewards™ Account and will follow the posted RBC Rewards™ Redemption Chart available at RBCrewardscaribbean.com.

As an example, if you have 26,500 Points in your RBC Rewards™ Account, you may request a Cash Back Credit Reward of $250 to be applied to your Account. All Points will be immediately deducted from your available Points Balance.

Cash back credit reward 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 cash back credit reward in order to ensure that your Account is in good standing and not past due. Posted transactions may take up to 7 days to appear on the website.

20. Redeeming your Points for My Way Shopping Credit Rewards

(i) General Rules applicable to Shopping Rewards

a. Redemption categories for Shopping Rewards are limited to retail, grocery, restaurants and home improvement;

b. The number of Points required to redeem a Shopping Reward is based on the actual cost of the Shopping Reward, the type of Shopping Reward and the equivalent dollar value listed in the RBC Rewards™ Redemption Chart. All commissions and transaction fees are included in the cost of the purchase;

c. All additional costs not covered by the redemption of the Shopping Reward are the responsibility of the Cardholder and must be charged to an Account;

d. RBC Royal Bank is not responsible for the performance of the retail providers/merchants associated with the Programme. All reservations are made subject to the conditions of the party providing the service, which include exclusions and limitations of liability;

e. Once redeemed, Points for cancelled or refunded Shopping Rewards may not be reinstated to your RBC Rewards™ Account;

f. Redemption statement credit for Shopping Rewards 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 Shopping Reward in order to ensure that your Account is in good standing and not past due. 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;

g. It may take up to 7 days for a credit to be processed to the Account for all statement credit redemptions.

21. Redeeming your Points for Travel Rewards Regardless of Booking Channel

(i) General Rules applicable to all Travel Rewards

a. Travel Rewards may be booked without using Points, however, additional fees apply;

b. The number of Points required to redeem for a Travel Reward is based on the actual cost of the Travel Reward, the type of Travel Reward and the equivalent dollar value listed in the RBC Rewards™ Redemption Chart. All commissions and transaction fees are included in the cost of the trip;

c. All additional costs not covered by the redemption of the Travel Reward are the responsibility of the Cardholder and must be charged to an Account. In some instances, Cardholders will have an opportunity to redeem Points to pay for these additional costs;

d. All Travel Rewards are subject to availability;

e. All Travel Rewards are subject to the rules and restrictions imposed by the individual travel companies, airlines, hotels, car rental companies, cruise lines and tour companies. Compliance with these rules is the responsibility of the traveller;

f. RBC Royal Bank is not responsible for the performance of the travel providers associated with the Programme. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability;

g. RBC Royal Bank will not be liable for delays or cancellations caused by strikes, labour disputes, government actions, weather or any other causes beyond RBC Royal Bank's control;

h. RBC Royal Bank is not responsible for lost, stolen, damaged or destroyed baggage or contents of baggage;

i. Once redeemed, Points for cancelled or refunded Travel Rewards may not be reinstated to your RBC Rewards™ Account;

j. Certain restrictions may apply to airline tickets and cruise documents. Airline tickets and cruise documents are not exchangeable, refundable, transferable or redeemable for cash;

k. Airline tickets and cruise documents that are mailed will be sent by first class mail and will not be replaceable in the event of loss, destruction or theft.

(ii) General Rules applicable to Air Travel Rewards

a. The number of Points required to redeem for an Air Travel Reward is based on the equivalent dollar value listed in the RBC Rewards™ Redemption Chart;

b. All Air Travel Rewards issued in exchange for Points are non-refundable and non-transferable after airline ticket issuance;

c. For Air Travel Rewards not paid exclusively with Points, changes, exchanges or refunds to/of Air Travel Rewards are subject to airline rules in effect at the time of original airline ticket issuance and pricing in effect at the time changes are made. Fees that apply due to permitted changes by the airline are the responsibility of the traveller;

d. Air Travel Rewards must be issued in the name of the Primary Cardholder, Business Customer or Authorised Cardholder or a member of their family;

e. Lost, stolen or otherwise destroyed Air Travel Rewards will not be replaced;

f. Accrual of frequent flyer mileage and airline mileage upgrade is subject to airline terms and conditions at the time of airline ticket issuance;

g. All airline tickets will be issued electronically when available. Issuance of a paper airline ticket is subject to airline rules and fees. A delivery charge will apply to all airline tickets or documents sent via "express" or "traceable" type mail or by overnight carrier and you agree to pay the associated additional delivery fees with your Card. RBC Royal Bank does not recommend using regular mail and maintains no responsibility for lost or stolen airline tickets or document;

h. Taxes not related to tickets, such as airport departure taxes specific to certain destinations, that cannot be calculated nor paid in advance nor assessed at the time of airline ticketing, are the responsibility of the traveller and must be paid at the airport;

i. No Air Travel Reward will be issued for destinations under travel embargo by the U.S. government. However, Cardholders can use the My Way Travel Credit Reward redemption option to book travel to any countries sanctioned by the United States;

j. RBC Royal Bank reserves the right to pass on to the Cardholder any special, unique or ad-hoc airline imposed taxes, fees or surcharges;

k. All other rules of the respective airline apply. Classes of service are subject to change at any time, with or without notice.

22. Two (2) Distinct Options for Redeeming Points for Travel Rewards

Primary Cardholders, Business Customers and Authorised Cardholders have two (2) distinct options for redeeming Points for Travel Rewards:

(i) "My Way Travel Credit Reward"

Cardholders may book any Travel Reward through any certified travel agency of their choosing, including online travel agencies, such as but not limited to: Travelocity†, Expedia†, Hotwire†, or Priceline.com†, by simply charging the purchase to their RBC Rewards™ Visa Platinum† Account. Once the transaction posts to their Account, the Cardholder must either visit the RBC Rewards™ Website or contact the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward.

If the Cardholder requests a My Way Travel Credit Reward for part of the transaction cost, the unredeemed charge will remain on their Account. The amount of Points redeemed and the corresponding My Way Travel Credit Reward cannot exceed the available Points Balance in the Cardholder's RBC Rewards™ Account.

Points may be used to cover travel taxes and airline fees. Some other taxes including, but not limited to, APT taxes and stamp taxes are charged to the account separately and may not be included in the Reward credit.

As an example, the Cardholder books an airline ticket with an online travel agency at a cost of $475.00 which includes travel taxes and fees required by the airline. The Cardholder charges the entire cost of the airline ticket to an Account. Once the transaction posts to the Account, the Cardholder contacts the RBC Rewards™ Customer Service Centre to request a My Way Travel Credit Reward for the entire $475.00 by redeeming 36,500 Points. All Points will be immediately deducted from their RBC Rewards™ Account.

(ii) "Use your points to Travel Anywhere"

Cardholders may redeem Points in a one-step process for Travel Rewards through our online travel booking tool available at rbcrewardscaribbean.com. Cruises, hotel stays, car rentals and vacation packages redemptions are available.

RBC Royal Bank acts solely as the sales agent for travel suppliers and is not liable for actions or inactions of such suppliers.

RBC Royal Bank reserves the right to pass on to the Cardholder special, unique or ad-hoc airline imposed taxes, fees or surcharges.

23. Insurance Coverage Provided by Your RBC Rewards Visa Platinum/Visa Platinum Business credit card

When you redeem your RBC Rewards points and/or make a travel purchase with your RBC Rewards Visa Platinum/Visa Platinum Business credit card, you automatically receive the following coverage:

a. Auto Rental Insurance: Save by declining the Collision Damage Waiver and Loss Damage Waiver (CDW and LDW) protection offered by the car rental company. This coverage is available worldwide (maximum coverage of 31 consecutive days) and includes collision, theft, loss, fire and vandalism of a rental vehicle, up to the rental vehicle’s actual cash value plus valid loss-of-use charges.

b. Travel Accident Insurance†:When travelling on a common carrier (a vehicle commercially licensed for the transport of paying passengers), you are automatically covered for up to $500,000 in the event of a covered accidental death or dismemberment.

c. International Emergency Medical Services†: You, your spouse and dependent children under 23 years of age are automatically covered worldwide for the Usual Reasonable and Customary Charges for Covered Medical Expenses, up to $50,000 USD, and Emergency Evacuation, up to $100,000 USD, in the event of a serious injury or sickness while travelling outside your country of residence. A covered trip cannot exceed 60 days.

24. Travel – General Terms and Conditions

a. For reward redemptions that are included as part of your transaction, the point balance on your RBC Rewards™ Account will be decreased by the number of points used for this transaction.

b. Payments by credit card will appear on your monthly card statement as "CL *Trip Charges" or as a charge from the applicable travel provider (each, a "Supplier" and collectively, "Suppliers").

c. To the extent permitted by applicable law, your travel booking may be cancelled in the event of suspected fraud or a payment charge is disputed with the payment card company and we cannot resolve the dispute with you. In such event, the penalties imposed by the Suppliers for such cancellation, as communicated at the time of booking, up to the full amount of each ticket/reservation, will be applied.

d. If you receive a receipt from the individual Supplier, the amount we charged you may differ from the amount shown on the individual receipt, but the amount we charge you will be the amount you agreed to pay at the time of the transaction. If the amount shown is higher, you will not be required to pay the difference and if the amount is lower you will not receive a refund for the difference, which is retained by the Supplier as compensation for services.

e. Available inventory and pricing are presented in real time and reflect what is available at the time of your search. Inventory and/or pricing may change between obtaining your search results and receiving a confirmation of your booking since the Supplier does not hold inventory that you have viewed until you actually make a reservation. Note that not all Suppliers make their inventory available and some inventory may be available only through the call centre.

f. All bookings made shall comply with all applicable U.S. laws, rules and regulations including, without limitation, sanctions issued by the Office of Foreign Assets Control. Such sanctions may prevent us from offering travel to specific destinations or individuals. To assist with compliance with laws, rules and regulations, Suppliers may ask you for additional information. Any booking made, or in good faith believed to be made, in violation of U.S. law, will be cancelled by Suppliers, in their sole discretion, with no liability to you other than to issue a refund, if permitted by law.

g. Reservations are subject to the rules of each Supplier on your itinerary; some reservations cannot be cancelled, other reservations may incur program fees and/or Supplier cancellation or change fees. Specific cancellation or change fees for your specific itinerary are communicated at the time of booking. Refunds, if permitted, are made after refunds are received from the Supplier, may take up to 60 days to process and are subject to the policies of the individual Supplier. All refund requests must be submitted within 30 days of the scheduled travel date (for example, airline departure date, hotel check-in date or car rental pick-up date) and any negotiable documents (for example, airline tickets, redeemable certificates or vouchers.) issued must be returned to Suppliers prior to processing any refund. Please note: The cancellation policy communicated to you at the time of booking may differ from the cancellation policy for reservations made directly with the Supplier and the cancellation policy communicated to you at the time of booking will apply.

25. General Travel Documentation

a. Approved, government issued photo identification is required at check in and must match the full name on the reservation for travel. Your driver’s license, national ID card, and other forms of identification may not be accepted for travel. If this is an international trip, you will need a passport, you may need a visa, and you may need to satisfy certain health requirements for your destination(s). Passports usually need to be valid for a specified period of time (such as six months) after your scheduled return date. For foreign entry requirements, contact the embassy/consulate of the country to which you are travelling, including layover and stopover destinations, to determine entry documentation and other requirements, such as immunizations that you must satisfy, including return entry into the country from which you departed. It is your responsibility to obtain proper travel identification and satisfy all requirements for each location on your itinerary, including layover and stopover destinations. Carriers cannot board any passenger who fail to carry required documents. Some carriers may require you to show the credit card used as payment for your ticket(s).

b. Minors under the age of 18 who are traveling with only one parent may be required to have additional documentation. Please contact your airline or the embassy/consulate of the country from which you are departing and the country to which you are traveling for additional information.

c. Suppliers make no guarantee of the accessibility of any travel item on your itinerary. It is the sole responsibility of the traveler to keep in mind their own unique needs when booking travel.

d. Suppliers have no special knowledge regarding unsafe conditions, health hazards, weather hazards, or climate extremes at locations to which you may travel. For information concerning possible dangers at international destinations, foreign health requirements, and other medical information, please consult your country’s government issued information.

e. Travel reservations are subject to the rules of each Supplier on your itinerary which are provided to you at the time of booking. The information and descriptions given about the Suppliers are believed to be accurate. No warranty or representation is made regarding the information and descriptions.

f. The passenger's ticket(s), when issued, or the electronic reservation, shall constitute the sole contract between the Supplier and the purchaser and/or passenger. There is no liability for any actions or omissions of the Supplier.

g. RBC Royal Bank shall have no responsibility for any credit or voucher issued by any Supplier, and any questions or issues you may have with respect to such credit or voucher must be addressed directly with the Supplier.

h. Special requests made to a Supplier are on a request only basis and cannot be guaranteed. Suppliers reserve the right to charge fees and taxes on any item requested that is not included in the booking description, depending on the service request.

i. Upgrades are not permitted on certain itineraries. Please check with the Supplier directly.

j. Supplier policies are subject to change at any time without notice, but policy changes regarding cancellation and related fees will not apply to travel previously purchased.

k. RBC Royal Bank is not responsible for any lost or damaged luggage.

l. Certain Supplier (e.g. airline, hotel, car rentals) rate types do not permit the issuance of points or other currency in their loyalty programs. If a rate is eligible to earn Supplier loyalty currency, the name connected to the Supplier’s loyalty program must match the traveler listed on the itinerary or the Supplier may invalidate the booking.

m. Baggage policies and fees, for carry on and checked baggage, vary by Supplier. Some Suppliers charge a fee for the first and/or second standard-sized checked bag. Please check with the Supplier for baggage charges, size limitations, weight and other restrictions. Baggage fees may vary depending on whether the travel is Domestic or International. A list of air carriers and their fees for checked baggage can be found at http://www.airlinebaggagecosts.com.

n. Government imposed departure or entry taxes may not be included in ticket taxes. Passengers should be prepared to pay these taxes in cash, in local currency, on location. .

26. Airlines – Terms and Conditions

a. Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the fare and, if permitted, are subject to airline rules, airline penalties up to the full amount of each ticket plus, in the case of a changed ticket, fare difference charges, and may also be subject to program fees. If the ticket is refundable, there may be cancellation fees to refund the ticket. Note: If there is more than one carrier on your itinerary, airline rules, airline penalties and change fees may apply to EACH airline on your itinerary and each change made.

b. A small number of air carriers may require flight availability to be confirmed when booking. If there is any issue with availability, a travel representative will contact you within 24 hours to make alternate flight arrangements at no additional cost.

c. In some situations an airline may issue you a credit "in lieu of" a refund according to the fare rules associated with the individual booking. If a credit is issued by an airline, it is held by the airline in the name of the individual who was the passenger of record on the original reservation. This credit can be used towards the payment for the booking of a new trip under the following conditions:

i. The new reservation is in the name of the same passenger as the canceled booking;

ii. The new reservation is on the same airline as the original reservation;

iii. All travel associated with the new trip must be completed prior to the date specified by the airline which is determined by the fare rules of the original ticket and the original class of service;

iv. You are responsible to pay any exchange fees charged by the airline related to the making of a new reservation as well as any additional charges, fees or fare increase;

v. Credit cannot be applied against an existing reservation.

vi. If a refund or a credit is not issued by the Supplier, the canceled reservation will have no value for future use.

d. Airlines may impose additional costs and fees for baggage, meals, beverages and other services. These costs are your sole responsibility.

e. Unused tickets contain no value if not canceled prior to scheduled departure date/time as specified by the airlines fare rules.

f. Tickets cannot be reassigned or transferred to a different passenger or airline.

g. Flight schedules are subject to change. We are not responsible for any schedule change(s) or notifying you of such change(s). Please confirm the scheduled departure time(s) on the airlines' websites at least 48 hours prior to departure for domestic flights and at least 72 hours prior to departure for international flights to learn if your flight schedule changed.

h. Failure to use any reservations may result in automatic cancellation of all continuing and return reservations. You must advise your carrier if your travel plans change en route.

i. Check with each airline regarding its specific boarding and check-in requirements; it is always best to check-in within 24 hours of the flight. Airline flights may be overbooked, and there is a slight chance that a seat will not be available on a flight for which you have a confirmed reservation. If this occurs, the airline will make alternative arrangements for you.

j. Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer.

k. If a code-share flight exists in your itinerary (a flight where two or more airlines share the same flight), passengers must check in with the operating airline on day of departure.

l. All tickets will be issued at the time of booking as e-tickets, unless e-tickets are unavailable due to airline restrictions. All paper tickets will be shipped within 48 hours.

m. If your paper ticket(s) is lost, stolen, or destroyed, contact the RBC Rewards Call Centre  immediately for details on how to process your claim. You may need to purchase a new ticket to travel while you are waiting for any permitted refund or credit. You remain responsible for payment due for the lost, stolen, or destroyed ticket(s) unless a refund or credit is issued by the carrier.

n. Advance seat assignments, if available and allowed by airline, are not guaranteed and could be subject to additional fees. Please inquire with the airline about your boarding pass(es).

o. Please go to http://www.dot.gov/office-policy/aviation-policy/aircraft-disinsection-requirements to learn about the use of insecticides in certain aircraft.

p. For information regarding airline liability limitations, baggage liability and other regulations of by the Montreal Convention, and other regulations, please consult your air carrier.

q. More than 6 tickets booked on the exact same flights for the exact same dates, is not permitted. If we determine that you have booked reservations for more than 6 tickets in separate reservations, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the airline's individual fare rules.

r. For flights that are destined for, transit through, or depart Canada, passengers may be entitled to certain standards of treatment and compensation under the Air Passenger Protection Regulations. For more information about your passenger rights please contact your air carrier or visit the Canadian Transportation Agency’s website at https://www.otc-cta.gc.ca/.

27. Hotel Reservations and Stays – General Rules and Conditions

a. Hotel rooms are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the room/rate description selected at the time of booking. Check the terms carefully before making a hotel reservation for cancellation or change terms and fees. For rooms that are non-refundable, if you change or cancel your reservation at any time, you will still be charged the full reservation amount of room and tax for the entire stay.

b. If permitted, cancellations or modifications received at any time may be subject to a program fee in addition to any Supplier fees. Such fees will appear on your monthly card statement as "CL *Trip Charges".

c. Some properties have a minimum age requirement for check-in. Please check with the hotel prior to booking if a minimum age is not indicated in the hotel description.

d. More than 9 rooms booked at the same hotel during the same dates, even if all the dates are not identical, is not permitted. If we determine that you have booked reservations for more than 9 rooms in separate reservations, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the rate description.

e. Hotel room reservations cannot be transferred or reassigned to another traveler and cannot be resold. If we determine that you have transferred or re-sold a reservation, those reservations are subject to cancellation and will incur applicable cancellation fees in accordance with the rate description.

f. No shows are non-refundable and will result in a forfeiture of all payments made by you in connection with the reservation, without credit due. If you think you may arrive at a hotel late, please contact the hotel directly to arrange for late arrival, if available. Actual times for "late" vary by hotel.

g. Early check-out from a hotel is not subject to a refund, unless allowed by the Supplier.

h. Contact us via the number listed on your itinerary for all cancellation or change requests. Cancellations or changes handled by the hotel directly may result in additional fees and/or the forfeiture of any refund due.

i. Government issued photo identification is required at check-in and must match the name on the reservation. Some properties have a minimum age requirement for check-in.

j. Policies for children vary by hotel. Please contact the hotel directly to learn whether child benefits are offered and whether there are child restrictions.

k. Hotel reservations include room and applicable hotel taxes only. Any additional mandatory hotel charges, such as resort fees, and hotel energy surcharges, are payable directly to the hotel. Additionally, any cleaning fees for violating a no-smoking, no pets or other policy and any charges for incidentals that you incur are not included in your reservation rate and must be paid directly to the hotel. Incidental charges may include but are not limited to parking fees, baby-sitting, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, and gratuities.

l. Due to hotel Supplier policies applicable to the RBC Rewards programme’s preferred rates, your name may not be provided to the hotel until 24 hours prior to your arrival. Please contact us directly for any special requests, such as bed type, smoking preferences or in-room amenities. Special requests are subject to hotel availability.

m. The hotel will require a major credit card, in the name of one of the guests, or a cash deposit upon check-in.

n. Reservations do not include services not specified in the reservation confirmation.

o. A reasonable attempt will be made to notify guests of hotel renovation or refurbishment if the Suppliers know of the same; however, Suppliers shall not be liable for any failure to provide such notification or for damages that may result from renovation or refurbishment.

28. Car Rental - General Rules and Conditions

a. Cancellations or modifications received at any time are subject to the Supplier’s cancellation polices and cancellation fees which could be up to the full amount of the reservation and may also be subject to a program fee. Such fee will appear on your monthly card statement as "CL *Trip Charges".

b. No shows are non-refundable and will result in a total forfeiture of any payments made by you in connection with the reservation, without credit due.

c. The early return of car rentals is not eligible for a refund, regardless of situation or notification from the car rental company.

d. Any additional taxes, fees and surcharges are subject to change without notice, may vary by location, and may be charged to the customer at pick-up.

e. Rental rates are based on 24 hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges, which will be billed directly to you by the car rental company. Certain car rentals may have a minimum rental period. Any rentals less than the required minimum days may be charged the minimum rental period.

f. Advance purchase car rental rates in the United States include unlimited mileage, taxes and fees. Car rental rates outside of the United States may not include unlimited mileage, taxes and fees and these will be assessed by the car rental location directly. Charges are billed directly by the car rental company and rates are subject to change.

g. Charges for optional services such as insurance waivers, fuel, additional or underage drivers, and special equipment charges, are not included in your rental and must be paid directly to the car rental company.

h. Suppliers do not guarantee a specific make, model, or color of vehicle no matter what vehicle is reserved.

i. Geographic and cross border restrictions may apply.

j. Renters must meet the minimum (and maximum, if applicable) age requirement where the car is being rented, have a valid driver's license, major credit card and some Suppliers require a good driving record. Most rental car companies do not accept debit cards. Some Suppliers charge a surcharge for drivers above or below certain ages, which would be paid to the Supplier at the time of pickup. Suppliers reserve the right to deny car rentals for any reason, including past driving records.

k. Rentals outside the country in which you reside may require an international driver’s license or compliance with other local requirements.

l. One way rentals may or may not be permitted. If there are additional fees for one way rentals, when permitted, these fees will not be included in the cost of the reservation. A reasonable attempt to advise of these fees will be made when this information is available.

m. Car rentals may not be available for all locations and destinations.

n. Local renters and renters driving out of state/country may be subject to additional restrictions.

o. Car rental rates do not include Collision Damage Waiver insurance and Theft Protection unless specified. Please contact your insurance company if you are unsure whether to accept rental car company insurance at the counter.

29. Cruises and Tour Suppliers - General Rules and Conditions

a. Cruise only packages do not include ground transfers. Not all air/sea packages include ground transfers.

b. Cruise and tour cancellations received at any time may be subject to a program fee in addition to applicable Supplier fees.

c. RBC Royal Bank is not liable for any flight or other transportation delays that result in a missed cruise or tour departure. If air or transfers are purchased as part of a specific cruise or tour company package, the cruise or tour operator may provide assistance for missed departures.

d. RBC Royal Bank has no control over air arrangements recommended by cruise or tour Suppliers including flight schedules, airlines selected, or whether your flight will be non-stop. We can assist you with deviations from the Supplier air/cruise package, but cannot guarantee that the Supplier will honor your request. Some Suppliers will not allow air deviations under any circumstances.

e. It is your responsibility to make sure that deposits and final payments are made by the Supplier due date. Until payments are confirmed by the Supplier, price, cabin/room, and availability are subject to change and cancellation.

f. No shows are non-refundable and will result in a forfeiture of all payments made and USD used by you in connection with the reservation, without credit due.

g. You may have the option to purchase vacation protection insurance offered through the cruise or tour Supplier. If you decline any such vacation protection insurance, you will assume all risk of recovery of your costs and Travel Services will be unable to assist you. Refunds and coverage are subject to the policies of the individual travel insurance provider.

30. Tax

You are responsible for any federal, state or local tax liability for any taxes (including but not limited to personal income tax) and reporting related to your participation/membership in the Programme including any liability relating to any Rewards you redeem under the Programme.

You understand that RBC Royal Bank will not issue tax receipts.

31. Changing the Programme and These Terms

RBC Royal Bank may change the Programme and these Terms at any time without giving you notice. Programme changes may include, but are not limited to, changes to:

(a) any Reward(s);

(b) the Points required to be redeemed for any Reward;

(c) the bonus Points offers;

(d) the redemption levels or criteria;

(e) the fees; or

(f) the Point accrual criteria.

The changes may be prospective and they may be retroactive. When such a change is made, RBC Royal Bank will post a revised version of the Terms on the Programme Website at RBCrewardscaribbean.com. Changes will be effective on the date noted when they are posted online. It is your responsibility to review the Terms from time to time to be aware of any such change(s).

32. Termination

a. RBC Royal Bank may suspend or terminate the Programme at any time upon thirty (30) days notice to you;

b. Should events beyond our control, such as strikes, acts of God, terrorism, civil disturbance, war or changes in economic or business conditions, materially affect our willingness to continue the Programme as it is then constituted, the Programme may be suspended or terminated, in whole or in part, and your Points may be cancelled without notice to you and may not subsequently be redeemed, or pooled;

c. RBC Royal Bank may, without notice, suspend or terminate your membership in the Programme, cancel your RBC Rewards™ Account and your Points upon (i) fraud or abuse by you relating to the Programme, (ii) misrepresentation of information to us, (iii) failure by you to follow these Terms, (iv) your personal bankruptcy, or (v) failure by you to earn any Points in any three (3) consecutive years;

d. If your Account is closed by RBC Royal Bank for any reason other than a voluntary request from you that we do so, then your participation/membership in the Programme and your Points shall be automatically cancelled without notice to you and your Points may not subsequently be redeemed or pooled.

33. Communications

In order to not miss any communication from us about the Programme, you must immediately notify us of any changes to your mailing address and other contact information that you may have provided to us in connection with the Account. RBC Royal Bank shall have no liability for any misdirected, lost or delayed mail resulting from your failure to provide us with such notice. We may also communicate with you electronically and any notice or electronic statement of the Account we provide to you, or agreement you make electronically, will be considered to be "in writing", signed and delivered for all purposes. RBC Royal Bank is not responsible for delayed or lost communications sent by mail or any other form of delivery, including email.

34. Interpretation

All questions or disputes regarding the Programme and the interpretation of these Terms will be resolved by us in our sole discretion.

35. Limit on our Responsibility

If RBC Royal Bank improperly denies you a Reward you select, our liability will be limited to the cash equivalent of that Reward. In no event will we be liable or responsible for, and you release us from, all claims in respect of any loss or damage suffered by you or others that is caused by:

a. failure by us to provide you with one or more Account Statement(s);

b. any errors or omissions in the Programme Website and other sources;

c. redemption of your Points or any problem that you or others have in connection with your Reward. By redeeming your Points for a Reward, you release us from any and all liability and claims regarding the redemption or use of such Reward;

d. redemption of your Points by an Authorised Cardholder;

e. loss or theft of a Reward;

f. suspension or termination of the Programme for any reason;

g. suspension or termination of your membership in the Programme, the closing of your Account or the cancellation or invalidation of any or all of your Points;

h. cancellation of any Travel Reward;

i. failure by the RBC Rewards Customer Service Centre to provide you 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;

j. performance or action of a travel supplier in any way, including the failure of any travel supplier to perform as described. Should circumstances beyond our control result in a supplier's failure to provide a Travel Reward, we may attempt, but are under no obligation, to provide a suitable replacement Travel Reward. In the alternative, we may, but are under no obligation to, credit the Points back to your RBC Rewards Account, and if applicable, money to your Account as well, but will not assume any costs you may incur relating to that Reward;

k. neither RBC Royal Bank, Kobie Marketing, Inc., Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, assumes any responsibility or liability for, or makes any warranty regarding, any error, omission, interruption, deletion, defect, delay in operation or transmission, theft or destruction or unauthorised access to, or alteration of, Points account balances, credits received and redeemed or other Programme activities.

l. neither RBC Royal Bank, Kobie Marketing, Inc., Programme partners, nor any of their respective officers, directors, employees, agents, successors or affiliates, is responsible or liable for any problem or technical malfunction relating to or arising from any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or enrolment to be received on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to your or any other person's computer related to or resulting from participation in or downloading any materials related to the Programme.

m. if for any reason the Internet portion of the Programme is not capable of functioning as planned, including due to infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures, or any other causes which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Programme, RBC Royal Bank reserves the right, in its sole discretion, to disqualify any individual who it determines may have caused or contributed to the onset of such occurrence, and/or who tampers with the entry process, and to cancel, terminate, modify or suspend the Programme.

n. neither RBC Royal Bank, Kobie Marketing, Inc., or Programme partners are liable for errors or omissions by its employees, contractors or agents in the printing or other dissemination of Programme communications, Programme mailings, other related materials or the Programme Website, or any other form of communication, and/or in interpreting or carrying out the terms of the Programme.

36. Indemnification

By accepting Points or Rewards, or by accepting or using an Account, you agree to indemnify each of RBC Royal Bank, Kobie Marketing, Inc., Programme partners, and each of their respective officers, directors, employees, agents, affiliates and successors for any and all claims, damages, expenses, losses and causes of action (including attorney fees and court costs) incurred or suffered by any of the foregoing persons or entities and arising out of or relating to your breach of any provision of these Terms, or any materials (regardless of form) that are provided by you. You agree to cooperate as fully and reasonably required in our defence and/or settlement of any such claim. RBC Royal Bank reserves the right to assume exclusive control over the defence and settlement of any matter subject to indemnification by you.

37. Waiver

Any waiver by us of the strict observance, performance or compliance by you of any portion of these Terms and any extension of time or other indulgence granted by us, either expressly or by course of conduct, shall not alter, affect or prejudice any of our 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 our rights and remedies arising in respect of any other breach of these Terms. No delay or omission by us in exercising any right or remedy hereunder shall operate as a waiver of that or any other right or remedy.

38. Damages

Any attempt to deliberately damage any Website or undermine the legitimate operation of the Programme is a violation of criminal and civil laws. RBC Royal Bank reserves the right to seek damages for any such attempt to the fullest extent permitted by law.

39. Privacy

In addition to section 41 herein below, RBC Royal Bank may exchange Programme and Account related information about you with other parties, such as participating partners, merchants or service providers, as required to administer the Programme or to fulfill your redemption requests under the Programme.

Each Cardholder who earns and/or redeems Points and/or receives Rewards consents to, and authorises RBC Royal Bank, any of their respective subsidiaries and affiliates, and any non-affiliated third parties; whether inside or outside your country of residence with whom any of the foregoing contract in order to manage and administer the Programme, to share information about the Cardholder and the Account (including the Programme component) as necessary or appropriate to effect, administer, enforce, service, or fulfill the Terms of the Programme. In addition, if the Cardholder redeems Points at the Programme Website, then the Cardholder thereby consents to and authorises each of the foregoing parties to communicate with the Cardholder through electronic mail in order to accomplish the foregoing purposes. The Cardholder's consents and authorisations shall be effective while the Account is open and shall not be superseded by any future privacy statement.

40. Using your information

(a) Collecting your information:

We may from time to time collect financial and other information about you such as:

· information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal background;

· information to establish and maintain the banking relationship with you;

· information related to transactions arising from your relationship with and through us, and from other financial institutions;

· information you provide on an application for any of our products and services;

· information for the provision of products and services; and

· information about financial behaviour such as your payment history and credit worthiness.

We may collect and confirm this information during the course of our relationship. We may obtain this information from a variety of sources, including from you, from service arrangements you make with or through us, from credit reporting agencies and financial institutions, from registries, from references you provide to us and from other sources, as is necessary for the provision of our products and services. You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies.

(b) Using your information:

This information may be used from time to time for the following purposes:

· to verify your identity and investigate your personal background;

· to open and operate your account(s) and provide you with products and services you may request;

· to better understand your financial situation;

· to determine your eligibility for products and services we offer;

· to help us better understand the current and future needs of our clients;

· to communicate to you any benefit, feature and other information about products and services you have with us;

· to help us better manage our business and your relationship with us;

· to maintain the accuracy and integrity of information held by a credit reporting agency; and

· as required or permitted by law.

For these purposes, we may:

· make this information available to our employees, our agents and service providers (including those persons and entities providing services under and in connection with the Programme described herein), whether inside or outside your country of residence, who are required to maintain the confidentiality of this information;

· share this information with other financial institutions; and

· give credit, financial and other related information to credit reporting agencies who may share it with others.

The service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located.

Upon your request, we may give this information to other persons.

We may also use this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under "other uses of your information" for the sole purpose of honouring your choices.

If we have your relevant tax number, we may use it for tax-related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you.

(c) Other uses of your information

· We may use this information to promote our products and services, and promote products and services of third parties we select, which may be of interest to you. We may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided.

· We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you. We and RBC companies may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided. You acknowledge that as a result of such sharing they may advise us of those products or services provided.

· If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information with information they have about you to allow us and any of them to manage your relationship with RBC companies and our business.

You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our parent companies, our affiliates and subsidiaries which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services.

(d) Your right to access your information

You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information or to ask questions about our privacy policies you may do so now or at any time in the future by:

· contacting your branch; or

· calling us RBCrewardscaribbean.com

(e) Our privacy policies

You may obtain more information about our privacy policies by calling us at the number shown above or by visiting our website at www.rbc.com/privacysecurity.

41. Restraint or Closure of Account

RBC Royal Bank reserves the right to freeze or close your Account(s) at any time with or without notice to you, as appropriate, if required by law; or if the RBC Royal Bank has reasonable grounds to believe that you did or may commit fraud, use the Account(s) for any unlawful or improper purpose or operate the Account(s) in a manner that it is not in keeping with the law; or if you violate the terms and conditions of any agreement applicable to the Account(s) or any Account(s) related services. RBC Royal Bank may also freeze or close the Account(s) if you are a victim of fraud or identity theft in order to prevent future losses.

42. Governing Law

All aspects of the Programme are governed by the laws of the country in which your Card was issued and you hereby submit to the jurisdiction of the courts of that country on any matter relating to this Programme.

43. Disclaimers

RBC Royal Bank is not affiliated with any Rewards suppliers or merchants including airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme. They are all independent service providers. No airlines, hotels, cruise lines, car rental agencies/companies, restaurants, or retailers/merchants referred to in the Programme or in any marketing materials, are sponsors or co-sponsors of the Programme.

*If there is any conflict between the Cardholder Agreement and this agreement regarding the RBC Rewards Programme, this agreement prevails.

Please keep these terms and conditions for your records.

®/™Trademark(s) of Royal Bank of Canada. Used under license.

†All other trademarks are the property of their respective owner(s).