Discover the moi RBC Visa Credit Card

Turn your everyday spending into instant savings with the moi RBC Visa Credit Card

The moi RBC Visa Credit Card isn’t just another card—it’s your fast-track ticket to turning everyday spending into extraordinary rewards, all with zero annual fee. Whether you’re shopping for groceries, fueling up, grabbing a bite out, or treating yourself at the salon, this card keeps rewarding you with every swipe. It was built for modern Canadians who want to maximize every dollar, and it delivers real, immediate value where it matters most: your daily life.

From its generous welcome offer to valuable protections and exclusive discounts, the moi RBC Visa Credit Card stands out as the ultimate partner for those who want more from their money without extra costs. If you want to stretch your budget, earn rewards on the essentials, and enjoy the peace of mind of real-world insurance, this is the card that’s here to supercharge your routine. Get ready to experience how rewarding and convenient a credit card can really be!

Top Benefits of the moi RBC Visa Credit Card

1. No Annual Fee, Ever

With the moi RBC Visa Credit Card, you get full access to all its earning and protection benefits without ever worrying about an annual fee eating into your rewards. That means you keep every cent you earn in points and savings, making this card one of the most cost-effective ways to enjoy premium features.

2. Double Points on Essentials

Earn 2 Moi points for every $1 you spend at IGA, Les Marchés Tradition, Rachelle Béry, Beauty & Wellness stores, restaurants, gas stations, and even electric vehicle charging. Your daily and weekly errands instantly start working for you, turning routine spending into powerful rewards every time you use your card.

3. 1x Points Everywhere Else

No matter where you shop, you’re always earning! Every other eligible purchase nets you 1 Moi point per dollar, so you’re never missing out, whether you’re shopping online, buying clothes, or booking travel.

4. Huge Welcome Bonus

New to moi? Earn up to 5,000 Moi points (worth $40 in redemptions) just by spending $500 in the first 3 months. This gives your rewards balance a real head start and lets you enjoy free groceries or perks from the get-go!

5. Mobile Device Insurance

Your smartphone and tablet are safe! This card offers up to $1,000 in mobile device protection for two years when you purchase your device or pay your monthly bill with your moi RBC Visa. Whether it’s theft, damage, or loss, your tech is covered.

6. Purchase Security & Extended Warranty

Feel confident with every buy. Purchases made with your moi RBC Visa are protected against theft and damage for up to 90 days, plus you get an extra year of warranty on eligible items—way beyond what the manufacturer provides.

7. Instant Petro-Canada Savings

Fuel up and save! Link your moi RBC Visa to your Petro-Points account and automatically save 3¢/L at Petro-Canada gas stations, plus earn 20% more Petro-Points on every fuel purchase. More value, every fill-up!

8. Fast, Flexible Redemption

Redeem Moi points as soon as you reach 500 points for $4 off instantly at over 900 participating stores and partners. It’s one of the fastest, simplest ways to turn rewards into real savings on your everyday needs.

9. RBC Offers and Discounts

Get access to exclusive cash back deals and discounts with top brands and retailers thanks to RBC Offers. Your card unlocks extra value on travel, shopping, dining, and more, just by being a cardholder.

10. Digital Wallet Ready

Add your moi RBC Visa Credit Card to Apple Pay, Google Pay, or Samsung Pay and make secure, contactless payments with just your smartphone or smartwatch—perfect for the fast pace of modern life.

11. Zero Liability Protection

Shop confidently knowing you’re protected from unauthorized transactions. RBC’s zero liability policy means you’re never responsible for purchases you didn’t make.

12. Free Additional Cards

Need to share rewards? Add extra authorized users (like family members) at no additional cost, helping your household maximize point-earning power together.

Who Can Apply for the moi RBC Visa Credit Card?

• You must be a Canadian resident and have reached the age of majority in your province or territory (18 or 19 years old).
• You need a good credit score and no recent bankruptcies or major delinquencies.
• Proof of regular income may be required.
• You must not already have an existing moi RBC Visa Credit Card in your name.
• You need a Canadian address and Social Insurance Number for the application.

How to Apply for the moi RBC Visa Credit Card

1. Visit the official RBC website or your local RBC branch.
2. Select “Apply Now” under the moi RBC Visa Credit Card page.
3. Fill in your personal information (name, address, date of birth, SIN).
4. Provide your employment and income details.
5. Agree to the terms and consent for a credit check.
6. Submit your application online or in person.
7. Wait for approval—often instant, but may require up to a few days.
8. If approved, receive your card in the mail and activate it online or by phone.

Frequently Asked Questions About the moi RBC Visa Credit Card

How do I earn Moi points with the moi RBC Visa Credit Card?

Every $1 you spend at eligible partner stores like IGA, Les Marchés Tradition, or Rachelle Béry earns you 2 Moi points. All other eligible purchases earn 1 point per dollar.

Where can I redeem Moi points?

Moi points can be instantly redeemed for discounts at over 900 participating stores across Quebec, Ontario, and New Brunswick—like IGA, Shell, and many more.

Is there really no annual fee?

That’s right! There is absolutely no annual fee—ever. You get all the card’s perks without any yearly cost.

How quickly do points accumulate?

Very quickly! With double points on groceries, dining, and gas, most users reach their first 500 points (worth $4) within just a few shopping trips.

Can I get additional cards for my family?

Yes, you can add authorized users at no extra cost. This helps your household earn Moi points even faster.

Does the moi RBC Visa Credit Card offer insurance?

Absolutely! The card provides up to $1,000 in mobile device insurance and purchase protection for added peace of mind.

Are there any foreign transaction fees?

Yes, there is a 2.5% fee on purchases made outside of Canada.

Can I manage the card from my phone?

Yes! Use the RBC Mobile app to manage your account, track points, pay your bill, and receive real-time alerts.

What credit score do I need to apply?

Typically, a good credit score (about 660 or higher) is recommended, but approval depends on your complete financial profile.

How do I pay my credit card bill?

You can pay online via your bank account, through the RBC Mobile app, by phone, or at any RBC branch.

What if I lose my moi RBC Visa Credit Card?

Contact RBC immediately—they will block your card, send you a replacement, and you won’t be liable for unauthorized charges.

Can I use this card with Apple Pay or Google Pay?

Yes! The moi RBC Visa Credit Card is compatible with Apple Pay, Google Pay, and Samsung Pay for fast and secure payments.