(EN)
Canada - ENIt pays to team up with RBC
As an eligible professional* in our client’s home buying journey, sign up for the RBC Referral Awards program and you could receive Avion® points on your Avion Rewards credit card or your RBC bank account* for every eligible mortgage referral* plus access to our team of mobile mortgage specialists who can help you build your business and provide differentiated advice and experience.
Earning your Rewards is easy!
Register. Go to referralawards.rbc.com to enroll using your email address or through RBC Online Banking if you have an RBC Client Card. You will receive a Personal ID code that can be used for your referrals.
Refer. Connect your clients with your preferred RBC mortgage specialist.
Rewards. Get rewarded with Avion points credited to the Rewards Account tied to your Avion Rewards credit card or to your RBC bank account for every qualified mortgage referral.
Not a points collector? No problem. You can sign up as a non-points participant and be rewarded with access to exclusive virtual and in person events and experiences throughout the year.
Don't forget: Every time you refer a client to RBC, you must disclose that you are a member of the RBC Referral Awards program and that both of you will benefit from a successful referral.
How to Earn Points
Once enrolled in the program you are tracked on every qualified mortgage referral as either a point member or non-point member participant.
Your rewards will GROW with your referrals!
All Provinces excluding Quebec and Alberta:
| Partner Level | Number of Fully Advanced Qualified Mortgage Referrals | Points Earned per Fully Advanced Qualified Mortgage Referral |
|---|---|---|
| Key Partner | 1-4 | 10,000 |
| VIP Partner | 5-11 | 16,000 |
| Elite Partner | 11+ | 20,000 |
Province of Quebec only:
| Partner Level | Number of Fully Advanced Qualified Mortgage Referrals | Points Earned per Fully Advanced Qualified Mortgage Referral |
|---|---|---|
| Key Partner | 1-6 | 8,000 |
| VIP Partner | 7-12 | 14,000 |
| Elite Partner | 13+ | 18,000 |
Your Partnership level in the program will be based on the number of Fully Advanced Qualified Mortgage Referrals in the previous twelve (12) months period and is re-evaluated each month, as follows:
- As soon as you enroll in the Program, the initial twelve (12) months period starts. If you enrolled in the Program in September 2022, the initial Period applicable to the COI will be from September 2022 to August 2023
How will you use your points?
Are you the type to browse the catalogue regularly to spend those well-deserved points that are burning a hole in your virtual pocket? Or do you save them up for that one big ticket item or trip you’ve always wanted? Either way, it’s your choice.
Redeem your Avion points for*:
You can even:
Use your points to pay down a credit card balance
Use your points to contribute to investments
Make a difference by donating your points to a charity
Your Avion points will also let you shop the latest brand-name products, electronics, kitchen gadgets, and fashion. Plus, the total points you redeem cover the taxes and shipping.
Visit https://www.avionrewards.com/index.html to learn more.
We want to see your business grow.
You work hard to help your clients get into their perfect home and your reputation is important, so you need to be confident that you have a mortgage specialist that will exceed your expectations with every referral – not just at the purchase phase, but throughout their entire home ownership journey.
Whether you’re looking for advice on reliable financing solutions, or new marketing opportunities, your RBC mortgage specialist can help you build your business.
With RBC you’ll get:
- High quality referrals
- Access to resources and training webinars
- Firm, fast approvals
- Co-branded marketing opportunities
- Innovative tools and programs
- A dedicated AMS (Alternate Mortgage Solutions) program for your clients who may not meet the standard lending criteria.
RBC® Real Estate Partner Appreciation is back for April 2025!
RBC Real Estate Partner Appreciation is all about you! We recognize the important role you play in our mutual clients’ home buying journey, so we are taking this opportunity to give a heartfelt thank you for your ongoing collaboration and support.
Thank you for attending our virtual events!
Thank you to all of those who attended our virtual events. We thoroughly hope you found them insightful and were able to take away information that will continue to strengthen your business.
If you missed the events, we invite you to view the recordings below that will be available until June 30, 2025.
| Event Title | Description | Event Recording |
|---|---|---|
|
RBC Global Asset Management: Global Economic Update with David Richardson (English Event with FR Subtitles) |
Event Details: Speaker Details: Host: Speaker: |
https://rbc.rev.vbrick.com/#/videos/73d8918c-3a75-43a2-897f-ca35c5e57ad4 PW = RBC2025 |
| CMHC –How adding units to homes can benefit the realtor, the homeowner, and the renter |
Event Details: Host: Speaker: |
https://rbc.rev.vbrick.com/#/videos/4301066b-d04e-40df-a606-1085650272d9 PPW – RBC2025 |
Frequently Asked Questions
Eligibility
Canadian residents that work as a duly licensed real estate agent in Canada; or are an employee of a builder, an Insurance Broker, Independent Financial Planner/Advisor, a Lawyers, or Accountant, except in Quebec, where you must be a Canadian resident and who is working as a duly licensed real estate agent in Quebec in accordance with the provincial legislation in place.
Please see Terms and Conditions for full details. Or contact an RBC Mortgage Specialist for clarification.
You can earn points on qualified mortgages. A Qualified Mortgage includes a mortgage in respect of a purchase or a switch/transfer of a mortgage from another financial institution to Royal Bank. See the RBC Referral Awards Terms and Conditions for details.
Yes, mortgages that are processed through an RBC alternate mortgage specialist are also eligible for our Referral Awards program. You will receive points or non-points recognition, depending on your type of membership in the program, for these referrals.
Your Account
You can access your Personal Referral Awards Account by logging into the program portal using Online Banking Authentication (if you have an RBC client card) or using the email address you used to sign into the program.
Yes, there are two type of members in the program:
- Points member – is an eligible participant who earns Avion® points recognition for every qualified mortgage referral.
- Non-points member – is an eligible participant who may receive recognition, other than Avion® points, under the Program such as invitations to participate in various activities and exclusive events.
Avion Rewards
Click here to apply for an Avion Rewards credit card and start earning Avoin® points for every qualified mortgage referral.
Please note that eligible cards for the Program are those Avion Rewards credit cards that are eligible to earn Avion points. Co-brand credit cards, such as WestJet, British Airways and Cathay Pacific credit cards, cashback credit cards and commercial credit cards are not eligible for the Referral Awards Program.
Eligible Avion Rewards credit card accounts include any business or personal credit card that allows you to earn Avion® points as follows:
- RBC® Avion® Visa Infinite Privilege‡
- RBC Avion Visa Infinite Privilege for Private Banking
- RBC Avion Visa Infinite
- RBC Avion Visa Platinum
- RBC Rewards Visa Preferred
- Signature® RBC Rewards Visa
- RBC Rewards+™ Visa
- RBC U.S. Dollar Visa Gold
- RBC Avion visa Business
- RBC Avion Visa Infinite Business‡
- RBC Royal Bank Visa‡ CreditLine for Small Business ("CLSB")
- RBC ION Visa
- RBC ION+ Visa
Note: Commercial credit cards, Cashback and Co-Brand credit cards are not eligible.
If you’re already enrolled in Online Banking, just select “Open New Account”, located next to the Bank Accounts heading in the centre of the page.
If you aren’t enrolled in Online Banking, please visit Find the Right Account. You’ll be able to see all the accounts available to you and/or open a new account from the same screen.
You can also visit a branch or contact our Advice Centre at 1-800-769-2511 to get assistance to open a banking account.
The following RBC bank accounts are eligible to be enrolled in the Referral Awards program:
- RBC Day to Day Banking
- RBC Advantage Banking (includes RBC Advantage Banking for students)
- RBC Signature No Limit Banking
- RBC VIP Banking
- RBC No Limit Banking (discontinued)
- RBC Student Banking (discontinued)
- RBC No Limit Banking for Students (discontinued)
- RBC Day to Day Savings
- RBC Enhanced Savings
- RBC High Interest eSavings
If you are a Points Member, you can redeem Avion points online at https://www.avionrewards.com
Tax Questions
Your SIN number is a mandatory field if you are a Points Members to ensure accuracy in annual tax reporting for applicable taxation years during which Points are awarded.
Yes, any Points awarded under the Program for qualified mortgage referrals are considered taxable income. Participants will be issued a tax slip (T4A) that reports the value of such taxable income for applicable taxation years during which Avion® points are awarded.
All participants must consult with their personal tax advisor(s) regarding tax implications and are responsible for reporting this information for tax purposes. Any personal federal and/or provincial tax liability arising from the award of Avion® points is the participant’s responsibility.
Miscellaneous
If you have forgotten your password, simply click the “Forgot Password” link in the login screen.
The system will request your email address. Enter your email address and click “Request a Validation Code”. Enter the validation code that is sent by email and press Submit.
The system will allow you to enter and confirm your new password on the screen.
If you forgot your RBC Online Banking password or need to change your password, please go to your Online Banking sign in page and reset your password online by selecting “Reset Your Password” on the Sign In page
No, Avion® points will not be awarded for referrals made prior to enrolment.
If you have any further questions or are experiencing technical difficulties, please connect with your Mortgage Specialist for assistance.
Sign up today to start earning Avion points on your eligible mortgage referrals.
Have questions about the program? Connect with your RBC Mortgage Specialist
Eligible realtors in the Province of Alberta may only enroll in the RBC Referral Awards Program as Non-Points Members.
®/™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
*
To be eligible to enroll in the RBC Referral Awards Program (“Program”) you must be a Canadian resident and is either (i) working as a duly licensed real estate agent anywhere in Canada (ii) builder, builder’s agent, representative or employee who has enrolled in the Program and meets all the Program’s eligibility requirements in accordance with applicable laws, or (iii) an insurance broker, independent financial planner/advisor, lawyer or accountant, except in Quebec, where you must be a Canadian resident and who is working as a duly licensed real estate agent in Quebec in accordance with the provincial legislation in place, and who meets all the Program’s eligibility requirements, as well as any other Eligible Participant as determined solely by Royal Bank from time to time, who has enrolled in the Program and meets all the Program’s eligibility requirements in accordance with applicable laws and/or the Eligible Participant’s respective industry, professional and regulatory requirements and obligations
Eligible Participants can elect to enroll as either a “Points Member” or a “Non-Points Member” (except in Alberta where Participants may only enroll in the Program as Non-Points Members). To enroll as a Points Member, an Eligible Participant must either: (i) be a Primary Applicant or a Co-Applicant on a Personal Credit Card Account, (ii) be a Primary Account Owner or a Joint Account Owner of a Personal Deposit Account, or (iii) have a Card on a Business Credit Card Account and have redemption rights over the Points in the Rewards Account tied to their Card, as per the “Points Ownership” section of the Avion Rewards Terms and Conditions. Authorized Users are not eligible to be a Points Member in the Program. As a Points Member, the Avion Rewards Terms and Conditions also apply and can be found at avionrewards.com/terms-and-conditions. Other conditions apply. Program may be amended at any time or terminated upon notice. Complete terms and conditions, including defined terms, are available upon enrollment in the Program. Employees of Royal Bank, its subsidiaries or its affiliates are not eligible to enroll in the Program.
Eligible Participants can elect to enroll as either a “Points Member” or a “Non-Points Member” (except in Alberta where Participants may only enroll in the Program as Non-Points Members). To enroll as a Points Member, an Eligible Participant must either: (i) be a Primary Applicant or a Co-Applicant on a Personal Credit Card Account, (ii) be a Primary Account Owner or a Joint Account Owner of a Personal Deposit Account, or (iii) have a Card on a Business Credit Card Account and have redemption rights over the Points in the Rewards Account tied to their Card, as per the “Points Ownership” section of the Avion Rewards Terms and Conditions. Authorized Users are not eligible to be a Points Member in the Program. As a Points Member, the Avion Rewards Terms and Conditions also apply and can be found at avionrewards.com/terms-and-conditions. Other conditions apply. Program may be amended at any time or terminated upon notice. Complete terms and conditions, including defined terms, are available upon enrollment in the Program. Employees of Royal Bank, its subsidiaries or its affiliates are not eligible to enroll in the Program.
1
To qualify for this offer, an Eligible Participant must have an RBC Referral Awards account in good standing, and enrolled as a Points Member. This Offer is in addition to any Recognition earned by you under the Referral Awards Program for the referrals. Offer may be changed, withdrawn or extended at any time, without notice. Offer not available to Alberta members.
All defined terms not otherwise defined in this document are as defined in the RBC Referral Awards Terms & Conditions Non-Quebec, or RBC REFERRAL AWARDS PROGRAM – TERMS AND CONDITIONS – Quebec, as applicable.
© Royal Bank of Canada 2022