GoSmart 7,500 Avion Points Terms & Conditions

A. Offer

With the “GoSmart 7,500 Avion Points” offer (the “Offer”), you could receive up to 7,500 Avion points when you open your first GoSmart Account(s) with RBC Direct Investing. To qualify for the Offer, you must:

Be a Canadian resident and at least the age of majority in your province/territory at the time of opening your first GoSmart Account;
Take the following actions:
A) To receive the first 4,500 Avion points, you must:
1. Open your first GoSmart Account(s) with RBC Direct Investing between November 3, 2026 and January 11, 2027 (inclusive) by scanning the QR code for the Offer or following a promotional link for the Offer on rbcdirectinvesting.com.
AND
1. Contribute a minimum of $1,500 (One thousand five hundred Canadian Dollars) in Qualifying Net Contributions (as defined below) to your new GoSmart Account(s) by February 11, 2027 (Contribution Deadline).
B) To receive the remaining 3,000 Avion points, you must set up a recurring investment totaling $300 or more within the first 6 months of opening your account(s). For example, that could mean setting up a $50 recurring investment each month for 6 months at the time of your account opening.
Be an Avion Rewards member by February 11, 2027;

The 7,500 Avion points will be deposited in your Avion Rewards account as follows, provided your Avion Rewards account remains open at that time: The first 4,500 Avion points will be deposited in your Avion Rewards account in April 2027, provided you meet requirements set out in 2A) above. The remaining 3,000 Avion points will be deposited in your Avion Rewards account in August 2027, provided you meet the requirements set out in 2B) above.

If you have an RBC Avion Visa or another Avion points-earning RBC credit card where points are earned on net purchases, your Avion points will be deposited to your respective credit card points account. If you do not have an Avion points-earning credit card, your Avion points will be deposited into your Banking Rewards Account. If you do not have either an RBC credit card where points are earned on net purchases or a Banking Rewards Account, your points will be deposited to the Avion Rewards Core Account. If you have more than one Avion Rewards points account, RBC will determine which account to deposit the points, which could include both joint or solely owned credit card accounts. Once deposited, you may move your points to another account of your choice. For complete terms and conditions that apply to the Avion Rewards Program, please visit http://www.avionrewards.com/terms-and-conditions or call 1-800-769-2512. For more information on Avion Rewards membership levels and program eligibility, please visit: https://www.avionrewards.com/eligibility.html.

B. Definitions

“Qualifying Net Contributions” means the total of all lump sum contributions and recurring investments collectively deposited into the new GoSmart Account net of all withdrawals or transfer-outs between November 3, 2026 and February 11, 2027.

C. Additional Terms

This Offer, and the Avion points available under the Offer, is non-transferrable and cannot be applied retroactively.
Only one Avion points award will be granted per client under the Offer.
Terms and conditions applicable to the Offer are subject to change without notice at the sole and absolute discretion of RBC Direct Investing. This Offer may be modified or withdrawn at any time without notice.
If you cease to qualify for the Offer, RBC Direct Investing reserves the right not to pay the Avion points, or any portion of the Avion points.
If you close all of your Avion Rewards account prior to the deposit of the Avion points, you will forfeit this Offer.
RBC Direct Investing reserves the right to amend, withdraw or extend the Offer, or to disqualify, limit or revoke the Offer in respect of any RBC Direct Investing client who it determines or believes is abusing or manipulating the Offer.
RBC Direct Investing general pricing applies to a GoSmart Account opened under this Offer. You will be solely responsible for the payment of any applicable fees, penalties, charges or other amounts associated with the operation of your GoSmart Account in accordance with applicable terms. Visit Commission, Fees and Rates page or call 1-800-769-2560 for complete details.
You are solely responsible for reviewing the contribution room available in respect of your registered plans before contributing to any RBC Direct Investing account, including a GoSmart Account. You are solely responsible for any excess contribution penalty or other tax consequence that may arise from the contribution of assets into your RBC Direct Investing account(s). Please consult your personal tax advisor for advice.
You are solely responsible for any tax consequences associated with the Offer and/or the contribution of any assets into a GoSmart Account(s). Please consult your personal tax advisor for more information.
You may opt out of the Offer at any time by notifying RBC Direct Investing at 1-800-769-2560.
Additional terms and conditions may apply to opening an account with RBC Direct Investing (including a GoSmart Account) which include, without limitation, the requirements set forth in RBC Direct Investing’s Operation of Account Agreement.

GoSmart is a service offered by RBC Direct Investing Inc. RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

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