Terms and conditions

®Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under licence.

‡ Mastercard is a registered trademark of Mastercard International Incorporated. Used under license.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet points and program changes.

Only available to residents of Canada.

Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications.

ADDITIONAL RBC FEES:

Cash Advance: $5.00

Balance Transfer Promotional Rate Fee: Up to 3% of the transaction amount

Dishonoured Payment Fee: $45.00

Overlimit Fee: $29.00 (If you reside in Quebec, fee does not apply.)

Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts

Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)

^WestJet Rewards program terms and conditions

1. Earn 2 WestJet points per $1 spent on eligible WestJet flights and WestJet Vacation packages and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard.

The additional 0.5 WestJet point for every $1 spent on eligible WestJet flights and WestJet Vacations packages (i) is in addition to the 1.5 WestJet points for every $1 you earn on all other purchases and is calculated separately, and (ii) will only be awarded if WestJet or WestJet Vacations appears as the merchant on your monthly credit card statement.

This means that if you purchase a WestJet flight or a WestJet Vacations package from a travel agency or a third-party booking site, you may not be eligible for the additional 0.5 WestJet point per $1.

WestJet points are earned on net purchases only; they are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged.

2. To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 9, 2025 and July 8, 2025 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.

You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet points”) distributed as follows:

• 25, 000 Welcome WestJet points up to six (6) weeks after your first purchase transaction date; and

• 5,000 Welcome WestJet points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).

You will receive an additional 30,000 WestJet points (“Additional WestJet points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. 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, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

You will receive an additional 10,000 WestJet points (“Anniversary WestJet points”) up to sixteen (16) weeks after your Credit Card has been open for one (1) year.

Welcome WestJet points, Additional WestJet points and Anniversary WestJet points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

3. $480 average companion voucher savings calculation is based on usage in 2024 when using the World Elite companion voucher. For terms and conditions of the World Elite companion voucher, visit here.

4. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your WestJet Rewards account, accessible at westjet.com/account. The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U.S. for $119 for UltraBasic, Econo and EconoFlex fares (“Economy Fares”) or for $219 for Premium and PremiumFlex fares (“Premium Fares”); or B) round-trip flight to/from the rest of the WestJet network for $399 for Economy Fares or for $499 for Premium Fares. Applicable taxes, fees, charges and other ATC (Air Transportation Charges) on the World Elite Companion Voucher must be paid at time of booking. Unless otherwise stated, companion voucher fees are quoted in Canadian dollars (CAD) and are quoted for flights originating in Canada. World Elite Companion Voucher bookings originating outside of Canada will be in the currency of the departure country. Visit westjet.com/companion-voucher for complete details. Additional fees may apply for bookings made via the Contact Centre.

World Elite Companion Voucher may only be used: A) for all published and eligible Economy Fares and Premium Fares wholly marketed and operated by WestJet; B) if the companion is travelling with you on the same itinerary; and C) for new bookings made through westjet.com or WestJet’s Contact Centre. World Elite Companion Voucher cannot be: A) used for Business, BusinessFlex or Member Exclusive fares; B) applied to existing reservations; nor C) used for group bookings, WestJet Vacations, WestJet Vacations Quebec or Sunwing Vacations bookings. Other terms and conditions apply. Visit westjet.com/companion-voucher for complete details.

The welcome (first) World Elite Companion Voucher is not available to existing or former WestJet RBC World Elite Mastercard primary cardholders applying for or transferring to a WestJet RBC World Elite Mastercard. Additional cardholders (co-applicant and authorized user(s)) are also not eligible for the World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the World Elite Companion Voucher are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to change or withdraw this offer at any time. For complete details, visit westjet.com/companion-voucher.

7. WestJet RBC World Elite Mastercard primary cardholders may exchange each valid Annual World Elite round-trip companion voucher for four (4) one-time use lounge access vouchers and these vouchers will be identified as: Lounge Access - RBC (“Lounge Vouchers”) at WestJet partner airport lounges. Applicable to WestJet RBC World Elite Mastercard primary cardholders with a valid Annual World Elite round-trip companion voucher (“World Elite companion voucher”), deposited into your account 4 – 6 weeks after your first purchase transaction date and 30 days after your credit card renewal date each year thereafter. Additional cardholders(s) (co-applicant and authorized user(s)) on the WestJet RBC World Elite Mastercard credit card account are not eligible for the Lounge Vouchers. All requests to exchange a World Elite companion voucher for Lounge Vouchers must be submitted at westjet.com/loungeexchange, a minimum of 4 days prior to the cardholder’s planned date of travel and prior to the expiry of the World Elite companion voucher. Cardholders will be able to view the Lounge Vouchers and their expiry date(s) within the Vouchers section of their WestJet Rewards account. Lounge Vouchers will have the same expiry date as the World Elite companion voucher used for the exchange. Lounge Vouchers must be redeemed prior to the expiry date. If you have multiple World Elite companion vouchers, the first to expire will be the first one exchanged. Sign in to see available vouchers at westjet.com. There is no limit on the number of World Elite lounge vouchers that may be exchanged. If a Lounge Voucher expires after a cardholder has exchanged a World Elite companion voucher but before the Lounge Voucher has been redeemed, the Lounge Voucher will not be valid. Once a cardholder has requested an exchange of a World Elite companion voucher for (4) Lounge Vouchers, the request will be considered final and cannot be cancelled or reversed.

Lounge Vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. Guests/companions may only use Lounge Vouchers when accompanied by the primary cardholder and taking a same-day WestJet flight from the same airport. If the primary cardholder already has access to WestJet partner lounges through Platinum, Gold or Silver status, Lounge Vouchers may be used for additional guests/companions accompanying them. Lounge Vouchers are valid at WestJet partner airport lounges only, up to three hours before flight departure. Visit westjet.com/lounges for a current list of lounges. A valid boarding pass displaying the primary cardholder’s WestJet Rewards ID and a WestJet flight number for a departing flight must be presented at time of lounge entry: a printed voucher is not required for redemption. Lounge Vouchers are valid when travelling on WestJet-marketed flights only (identified by a WS carrier code preceding the flight number); not valid when travelling on partner-marketed itineraries.

Lounge Vouchers may only be used has described, have no monetary or other exchange value and are non-transferable. Unused World Elite companion vouchers and Lounge Vouchers will automatically be cancelled on the date your WestJet RBC World Elite Mastercard account is closed. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time, even after acceptance by you. Terms and conditions of the Lounge Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. For full details on Lounge Voucher visit here. Terms and conditions of this benefit are subject to the WestJet Rewards Program Terms and Conditions at the time of redemption. WestJet, not Royal Bank of Canada, is solely responsible for the terms of the WestJet Rewards Program.

8. To receive a complimentary DashPass subscription for 12 months and pay $0 delivery fees on orders of $15 or more at eligible restaurants for 12 months when you pay with your WestJet RBC World Elite Mastercard, you must subscribe to DashPass by adding your WestJet RBC World Elite Mastercard credit card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before June 1, 2025 (“Offer Period”). If you are an existing DashPass subscriber and have already added another eligible RBC Credit Card to your account, you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://www.rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12-month Complimentary DashPass Subscription when you use your WestJet RBC World Elite Mastercard credit card to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Your WestJet RBC World Elite Mastercard credit card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC World Elite Mastercard credit card to obtain a Complimentary DashPass Subscription with another DoorDash account.

The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12-month Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit https://www.rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.

DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD. To learn more about DashPass visit https://www.doordash.com/dashpass.

9. Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com.

By using this benefit, you agree to all DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com. These policies may be amended or updated at any time and without notice. RBC and WestJet reserve the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”) or WestJet, and RBC or WestJet are not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass.

10. WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations packages, eligible Sunwing Vacations packages or WestJet Vacations Quebec packages; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations package bookings, Sunwing Vacations package bookings or WestJet Vacations Quebec package bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem.

11. To participate in this offer, you must link your WestJet RBC World Elite Mastercard (“RBC Card”) to a Be Well Card. You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details, and defined terms visit Be Well Terms and Conditions available at https://www.rbcroyalbank.com/_assets-custom/pdf/rexall-terms-en.pdf.

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

12. To participate in this offer, you must link your WestJet RBC World Elite Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

13. Certain coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada.