The moi RBC Visa credit card is a powerful tool designed to enrich your daily life by turning your everyday purchases into valuable rewards. With no annual fee and a suite of benefits, this card ensures you earn Moi points on groceries, dining, fuel, and more. Its features are tailored for the modern consumer who values convenience, rewards, and seamless integration into their daily routines.

From the moment you activate your moi RBC Visa, you gain access to a world of possibilities. Whether you’re a frequent shopper, a dining enthusiast, or someone who values simplicity, this card adapts to your lifestyle. Let’s explore in detail why the moi RBC Visa is a standout choice for savvy consumers.

Key information about the credit card

How does the annual fee work?

One of the most appealing features of the moi RBC Visa credit card is its $0 annual fee. For many, this is a game-changer, as it eliminates the financial burden often associated with credit cards. The absence of an annual fee ensures that you can fully enjoy the card’s rewards without worrying about additional costs eating into your savings. This feature makes the moi RBC Visa an excellent choice for first-time cardholders or those who prioritize value and cost-effectiveness.

How is the credit limit determined?

The moi RBC Visa credit card offers a personalized approach to determining your credit limit. RBC assesses your financial profile, considering factors such as your income, credit history, and overall financial stability. This ensures that the assigned limit aligns with your ability to manage credit responsibly. For those with a strong financial background, the credit limit may be higher, providing greater flexibility for larger purchases.

Advantages of the credit card

• Generous rewards program: Earn 2 Moi points for every $1 spent on groceries, dining, fuel, and wellness purchases at participating retailers. This allows you to accumulate rewards quickly, especially if you frequently shop at Metro, Jean Coutu, or Première Moisson.
• Welcome bonus: Enjoy up to 10,000 Moi points in your first year. These points, equivalent to $80, give you a head start in redeeming rewards.
• Insurance coverage: Benefit from mobile device insurance that covers up to $1,000 for loss, theft, or damage. Additionally, purchase security and extended warranty insurance provide peace of mind for your purchases.
• Fuel savings: Save 3¢/L on gas and earn 20% more Petro-Points™ at Petro-Canada™ when you link your card.
• Dining perks: Earn 2X points on restaurant purchases, making it perfect for food lovers.
• No foreign transaction fees: Enjoy fee-free purchases when traveling abroad, adding convenience for international travelers.
• Contactless payments: Add your moi RBC Visa to your mobile device or smartwatch for secure, tap-to-pay transactions.

Standout advantage

What truly sets the moi RBC Visa apart is its ability to double your rewards at select retailers. When you shop at participating Metro, Jean Coutu, or Première Moisson locations and swipe your Moi program card along with your moi RBC Visa, you earn 2 Moi points per dollar. This integration is seamless, allowing you to maximize your rewards effortlessly. For families and individuals who frequently shop at these stores, this feature significantly enhances the card’s value.

Disadvantages

• Higher interest rates: The purchase rate of 20.99% and cash advance rate of 22.99% may be steep for cardholders who carry balances.
• Limited rewards scope: The 2X points are restricted to specific categories and retailers, which may not suit all spending habits.
• No cashback option: Rewards are exclusively in the form of Moi points, limiting flexibility for those who prefer cashback.
• Geographical limitations: Some rewards, such as 2X points on groceries, are only available in certain regions like Quebec.

A standout disadvantage

The card’s primary limitation is its regional focus. While the 2X rewards on groceries, beauty, and wellness purchases are a significant advantage, they are limited to specific participating stores in Quebec. This means that cardholders outside the region may not be able to maximize the rewards program. For those who do not live near these stores, the value of the card’s rewards diminishes, making it less appealing compared to other credit cards with broader coverage.

Who can apply for this card?

To qualify for the moi RBC Visa credit card, applicants must meet a few key criteria. You must be at least 18 years old (or 19 in provinces where this is the age of majority) and possess a valid Social Insurance Number (SIN). A stable income and a good credit history are typically required to ensure responsible credit management.

RBC also evaluates your financial stability to determine your eligibility. While the card is not specifically designed for those with poor credit, individuals with a moderate credit score may still qualify. Proof of income and employment details may be required during the application process to verify your financial standing.

How to apply for the moi RBC Visa Card

For the website

To apply online, start by visiting the official RBC website and navigating to the moi RBC Visa credit card page. Click the “Apply Now” button to access the secure application form. The process requires basic personal and financial information, such as your name, address, income, and employment details. Ensure you have the necessary documentation, including government-issued identification and proof of income, to complete the application. RBC’s secure platform protects your data, and you’ll receive a decision within 60 seconds.

Through the app

The RBC Mobile app is another convenient option for applying. Download the app from the App Store or Google Play and log in with your RBC credentials. Navigate to the “Credit Cards” section, select the moi RBC Visa, and begin the application process. The app allows you to complete your application from anywhere, offering the same secure platform as the website. This method is ideal for those who prefer managing their finances on their mobile devices. Upon approval, you’ll receive confirmation and can start using your digital card immediately for mobile payments.

At the branch

If you prefer a face-to-face interaction, visit your nearest RBC branch to apply for the moi RBC Visa. Speak with a banking advisor who will guide you through the application process and answer any questions. Be sure to bring your identification, proof of income, and other required documents to streamline the process. This method is especially helpful for first-time credit card applicants or those with unique financial situations. The advisor can provide personalized recommendations and ensure that your application is completed accurately.