RBC ION+ Visa
Points Calculator

¹You will earn 3 Avion points for every $1.00 in Grocery, Dining,Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming,and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Place sand Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, andDiscotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are“ Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages)– Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;

(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.

(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming,Digital Gaming & Subscriptions Purchases”. The “Digital Goods –Games” MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+Visa credit card.

Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming,Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify asan Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides,Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

^{^}To be eligible for this offer your application for the RBC ION+ Visa credit card must be approved by us. The 3,500 Avion points (“Welcome Points”) will appear within the first two monthly statements. 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account is open and in good standing at the time you reach $500 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, and fees. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $500 will cancel your additional Avion points. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC ION+ Visa card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.

^†To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate.