BENEFItS GuIDE
RBC Royal Bank® Esso‡ Visa‡ card
The faster
way to earn
Esso Extra‡
rewards
Put your purchasing power
in overdrive
Thank you for choosing the no annual fee RBC Royal Bank
Esso Visa card. With automatic membership in the Esso
Extra program, you earn Esso Extra points right away on
every purchase1 you make with your Esso Visa card —
points you can redeem for great rewards at Esso stations
and online.
Quick card overview
Esso Extra
Program Features
Earn 2 or more Esso Extra points
for every dollar spent on eligible
purchases3 at Esso stations
Earn 1 Esso Extra point per Canadian
dollar spent everywhere Visa is accepted
Automatic Esso Extra membership
Redeem for gas, a car wash and more
Insurance
Extended Warranty4
Purchase Security4
Annual fee
$0
Don’t forget
as a new cardholder, it’s important that you:
1. Activate your card
2. View your full Benefits Guide online at rbc.com/essoinfo
If you have any questions about your card, please
call us at 1-800 RoYaL® 1-2 (1-800-769-2512).
Earning Esso Extra points
couldn’t be simpler
Watch your points add up each year with your
RBC Royal Bank Esso Visa card
Welcome bonus on your first credit card purchase**
Regular credit card spending1
($300/month average)
Esso regular grade fuel purchases
(2 points per eligible dollar spent3;
$200/month average)
Esso convenience store purchases
(2 points per dollar on eligible purchases3;
$40/month average)
Annual Total
4,500 points
3,600 points
4,800 points
960 points
13,860 points
Track your Esso Extra points
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Check out your points balance on your RBC Royal Bank Visa
monthly statement; all your purchases at Esso stations are
separated for your convenience
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Get your Esso Extra points balance at the bottom of
your Esso receipt
Redeeming points is easy
and convenient
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Redeem At-the-Station. Redeem points for Free Gas
rewards and other Esso Extra Rewards — instantly —
at any participating Esso station.
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Redeem online. You can redeem online at essoextra.com
for Esso Gift cards, as well as gift cards for movie theatres,
dinners, hotels, clothing stores and more! Esso Extra
points can also be exchanged for RBC Rewards® points.
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Receive and give. Esso Extra points can be donated
to select charities and causes, including The Kidney
Foundation of Canada, Canadian Hockey Foundation
and the Esso Extra Hockey Jersey Program. Check online
at essoextra.com to donate.
Esso Extra points can go a long way
$10 in Lottery Tickets
1,600 points
$10 Free Gas rewards
1,800 points
Luxury Wash
599 points
$25 Esso Gift Card
4,300 points
Visit essoextra.com and experience everything
the Esso Extra program has to offer.
More easy ways to use
your card
Speedpass‡: a convenient way
to pay at Esso stations
Forget swiping! With Speedpass you can pay instantly
at Esso stations without even opening your wallet —
just point and pay. It’s easy to use, can be conveniently
linked to your Esso Visa card and it’s FREE! Plus you’ll
receive bonus Esso Extra points the first time you use
your Speedpass. To learn more, visit essoextra.com.
NEW Visa payWave‡: convenience,
speed and security made easy
Visa payWave is a “contactless” feature included on
your Esso Visa card for no added fee. It lets you pay for
purchases at Visa payWave-accepting locations without
having to swipe or insert your card. In most instances,
you don’t even need a signature or PIN.
Simply look for the symbol at merchant checkouts,
wave your Esso Visa card in front of the secure reader
and you’re on your way. It’s the ideal way to pay for
small everyday purchases.
For more information please refer to the
information sent with your card or visit
rbcroyalbank.com/cards/visapaywave.
Shop knowing you’re
protected
Purchase Security and Extended Warranty
Coverage Insurance4
Purchases made with your Esso Visa card are automatically
protected against loss, theft or damage for up to 90 days
from the date of purchase. The coverage also doubles
the manufacturer’s original Canadian warranty for up to
one extra year. Please keep your receipts in the event
you need to make a claim, and refer to the enclosed
Certificate of Insurance for complete details regarding
this coverage.
Zero Liability
Protection against unauthorized use of your card is
absolutely essential — in person or online. With Zero
Cardholder Liability, you are not liable for fraudulent
charges provided that you have taken reasonable
precautions to protect your Personal Identification
Number (PIN) and your card, as set out in your
RBC Royal Bank Credit Card Agreement.
Chip & PIN: the highest level of security
Your Esso Visa card includes state-of-the-art chip & PIN
technology to protect you against counterfeiting and card
fraud. The chip embedded in your card is encrypted and
virtually impossible to replicate. It works together with
chip-enabled terminals to ensure a highly secure
transaction by validating you to your card via a PIN.
For more information about your PIN and how this
technology works, please refer to the information sent
with your card or visit rbcroyalbank.com/cards/chip
Get More with Additional
Cardholders
Add a co-applicant¥ or authorized user to your account and
you can take advantage of the following benefits:
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Earn Esso Extra points faster by consolidating all your
spending using on one account.
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All cardholders are protected by the same insurance
coverages.
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All transactions are on one monthly statement, sorted by
card number.
You set the spending limits
When you add authorized users to your account, you can
assign a pre-set credit limit to each user. It’s a convenient
way to give older children or caregivers limited access to
funds in cases of emergencies.
And, if you add a co-applicant, they will enjoy full access to
the credit limit and all purchasing privileges that come with
the card.
Call us at 1-800-769-2512 or visit your nearest
RBC Royal Bank branch to add a co-applicant or
authorized user today.
Enjoy all the advantages of your credit card:
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Worldwide acceptance
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Access to cash advances•
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Credit card cheques•
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Commission-free travellers cheques
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Time-saving autopayment service
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RBC Royal Bank Online Banking
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eStatements
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Emergency card replacement
Important information
RBC RoYaL BaNk VISa CuStomER SERVICE
Card inquiries and information
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
Outside Canada/U.S. call collect: 416-974-7780
Lost or stolen cards, 24 hours/7 days
In Canada/U.S.: 1-800 ROYAL 1-2 (1-800-769-2512)
International: (Access code) 800 ROYAL 5-2-3 (800-769-25523)
Collect: 514-392-9167
If you prefer not to have telephone access to your account
information, please call 1-800 ROYAL 1-2 (1-800-769-2512)
to disable this service.
assured assistance Inc.
For assistance with the travel insurances listed in this guide:
In Canada/U.S.: 1-800-533-2778
Outside Canada/U.S. call collect: 905-816-2581
TDD/TTY: 1-800 ROYAL 1-8 (1-800-769-2518)
For all of your important credit card numbers in
a convenient wallet-sized card, please visit
rbcroyalbank.com/cards/walletcard.
® / TM Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered
trademarks of Royal Bank of Canada.
‡ Esso, Esso Extra and/or Speedpass are registered trademarks of Imperial Oil Limited. Used under
licence. All other trademarks are the property of their respective owner(s).
1 Esso Extra points are earned on Net Purchases only; they are not earned on Cash Advances
(including RBC Royal Bank credit card cheques, 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 points earned by the
amounts originally charged.
3 You will earn 1 Esso Extra point for every dollar spent on purchases, wherever Visa is accepted. You
will earn 1 additional Esso Extra point for every dollar spent (for a total of 2 Esso Extra points for
every dollar spent) on eligible purchases made at participating Esso-branded retail stations only.
Additional Esso Extra points are not awarded on purchases of alcohol, tobacco products (and their
associated sales taxes) and Esso Gift Cards. Other conditions and restrictions apply. The complete
terms, conditions, and restrictions that apply to the Esso Extra program are established by Imperial
Oil Limited and can be consulted at www.essoextra.com
• Cash Advances, including cash withdrawals from an ATM and credit card cheques, can be made
up to your available credit and daily limits. There is no interest-free period for Cash Advances,
which means that interest is charged from the day the Cash Advance is made until we receive your
payment for the total amount you owe. Cash Advance fees may apply depending on the type of
Cash Advance. Please refer to your RBC Royal Bank Credit Card Agreement for more details.
¥ Co-applicant is fully responsible, with you, for all amounts owing on the account, including
transactions made by authorized users, if any.
** Please allow 4-6 weeks for the 4,500 bonus Esso Extra points to appear on your credit
card statement after the first transaction date. Additional cardholders, as well as existing
RBC Royal Bank Esso Visa cardholders are not eligible for this welcome bonus offer. This
offer may not be combined or used in conjunction with any other offer.
4 Coverage underwritten by RBC General Insurance Company in the Province of Quebec and by
RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations
and exclusions. Please refer to the certificate of insurance for complete details.
15522 (08/2012)