The Moi RBC Visa is created for Canadians who want a credit card that supports their daily spending while offering meaningful rewards in return. With a strong connection to the Moi Rewards ecosystem, this card helps transform routine purchases at Metro, Jean Coutu, Super C, Brunet and other participating retailers into valuable points that can be redeemed for everyday essentials. It is designed for people who appreciate simplicity, reliability and a financial tool that fits naturally into their shopping habits.
What makes the Moi RBC Visa especially appealing is how effortlessly it integrates into different lifestyles. From students and young professionals to families managing monthly budgets, the card provides a smooth banking experience backed by RBC’s trusted financial infrastructure. With no annual fee, secure digital features, mobile wallet support and flexible point redemption, this card offers a balanced approach to spending and saving that benefits Canadians across the country.
Why the Moi RBC Visa Card Works for Everyday Spending
1. Strong Rewards at Metro-Affiliated Retailers
Earn elevated Moi Points whenever you shop at Metro’s family of stores, helping your grocery and pharmacy purchases generate meaningful rewards quickly.
2. Earn Points on Purchases Everywhere Else
Even outside partner stores, you accumulate Moi Points on all eligible spending, making every payment contribute to your rewards balance.
3. Zero Annual Fee for Full Access to Features
The Moi RBC Visa charges no annual fee, offering valuable rewards and benefits without adding to your financial burden.
4. Simple and Flexible Redemption Options
Redeem your Moi Points directly at participating stores to lower your bill instantly or save them for future discounts — the choice is entirely yours.
5. Digital Wallet Support for Faster Transactions
Use Apple Pay, Google Pay or Samsung Pay for secure, convenient and contactless payments wherever mobile wallets are accepted.
6. Extra Security Through RBC’s Fraud Protection
The card includes real-time fraud detection, advanced authorization technology and Zero Liability protection to keep your financial data secure.
7. Purchase Assurance for Eligible Items
Enjoy added protection when buying electronics, appliances and other valuable products with built-in purchase assurance and extended warranty benefits.
8. Bonus Offers and Seasonal Promotions
Cardholders may receive exclusive bonus point opportunities throughout the year, increasing the earning potential of regular purchases.
9. Add Family Members to Earn More Points
You can issue supplementary cards at no cost, allowing household members to help you accumulate points faster.
10. Complete Online Oversight Through RBC Tools
Monitor spending, check point totals, view transaction history and manage your card easily through the RBC app or online banking.
Eligibility Criteria
To qualify, applicants generally must:
- Be 18 or 19 years old, depending on the province
- Be a Canadian resident
- Have a fair or good credit score
- Provide valid government-issued identification
- Supply accurate personal and financial information
- Meet RBC’s standard credit assessment requirements
There is no strict income requirement, making it accessible to a wide demographic of Canadian consumers.
How to Apply
- Visit the RBC or Moi Rewards official website.
- Go to the Credit Cards section and select the Moi RBC Visa.
- Read through the card benefits and eligibility details.
- Click Apply Now to begin the secure online form.
- Enter your personal and contact information.
- Provide employment and financial details.
- Upload identification documents if requested.
- Review and accept the terms and cardholder agreement.
- Submit your application for review.
- Receive your approval decision — often within minutes.
- Wait for your card to arrive by mail.
- Activate your card through the RBC mobile app or online portal.
- Start collecting Moi Points on your purchases.
Frequently Asked Questions (FAQ)
1. Does the Moi RBC Visa have an annual fee?
No, the card comes with no annual fee.
2. Where can I earn the most Moi Points?
At Metro, Jean Coutu, Super C, Brunet and other affiliated retailers.
3. Can I redeem points immediately?
Yes, Moi Points can be redeemed instantly at participating store checkouts.
4. Is the card accepted worldwide?
Yes, you can use it anywhere Visa is accepted.
5. Will using the card help build my credit?
Yes, on-time payments contribute positively to credit history.
6. Are supplementary cards available?
Yes, and they are free.
7. Does the card support Apple Pay and Google Pay?
Yes, along with Samsung Pay.
8. Are purchases protected?
Yes, eligible purchases come with purchase assurance and extended warranty.
9. How do I track my rewards?
Through the RBC online banking platform or mobile app.
10. Is the card safe for online use?
Yes, it includes real-time fraud monitoring and Zero Liability protection.
11. Are bonus offers available throughout the year?
Yes, RBC and Metro frequently provide special point promotions.
12. How quickly can I get approved?
Many applicants receive instant or near-instant approval decisions.
