What is the RBC Client Card? Review and FAQs

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There are lots of different institutions that you can do your banking within Canada. Among the largest is RBC, or the Royal Bank of Canada. The Royal Bank offers two different types of debit cards; Client Cards and Visa Debit Cards.

Let’s talk a little bit more about the differences between the two, focusing on what a Client Card is and answering some commonly asked questions about it.

Types of Cards offered by RBC

Debit cards are among the most widely used types of cards in Canada. They are accepted as a form of payment by almost any business and can be used to pay with the simple swipe of a card. When you pay using your debit card, money is deducted directly from your account to the payee at hand. 

The Royal Bank of Canada offers two different types of debit cards; the RBC Client Card and the RBC Visa Debit Card. The RBC client card is their typical debit card. You can shop with it in-store, using quick tap and mobile wallet payments.

This is not to be confused with the RBC Visa Debit Card, which allows you to shop in stores and allows you to use your debit card to shop online. You can use your RBC Visa Debit card number, expiry date, and CVV (just like on a Visa Card) to shop online. The money will come directly out of your account. 

Benefits of an RBC Client Card

While the RBC Client Card only lets you shop in-store and not online, it does come along with several benefits. When shopping in-store, payments are quick and easy.

The RBC Client Card comes equipped with Interac Flash, allowing you to tap your card at any Flash-enabled vendor. You can also link your RBC Client Card to your mobile wallet, which will enable you to use your phone to pay for purchases at locations that offer mobile checkout. 

Another benefit of the RBC Client Card is that it can be used anywhere in Canada and throughout the United States (though cross-border fees may be applicable). You can also make free ATM withdrawals at any RBC ATM or any other ATM for a small fee. 

All of your transaction records are kept to help you track your spending, and all transactions are secure through the branch. 

Once you have your RBC Client Card, you are then able to sign up for the additional RBC Visa Debit card, which, as we mentioned above, will allow you to shop online. 

FAQ About RBC Client Cards

Am I eligible for a Client Card?

To be eligible for an RBC Client card, you must be a Canadian citizen, permanent resident, or temporary resident within Canada. Aside from that, there aren’t many restrictions when it comes to applying for a card.

You will need to provide your Social Insurance Number and date of birth, name, status, contact information, email address, and telephone number to sign up. 

How Can I obtain a Client Card?

It’s effortless to get an RBC Client Card. As long as you meet the above criteria, head to the RBC Website and complete the card application for a chequing or savings account. As soon as you are approved, an RBC Client Card will be sent to you in the mail. 

Alternatively, you can apply by phone or directly at a branch. 

Will I be charged a convenience fee to use my Client Card?

In most cases, no. With that being said, some retailers do require you to pay a convenience fee which will be posted on the debit machine before payment. Always be sure to read the debit machine before making any payments to avoid unexpected convenience fees. 

Do Client Cards expire?

Yes, most RBC Client Cards will expire within 2-3 years. With that being said, if you are still a client of the bank, your new card will automatically be issued and sent to you in the mail when the time comes. 

In conclusion, the RBC Client Card offers many benefits for those looking to open a chequing or savings account. The card can be used throughout Canada and the United States and can be used for secure transactions on in-store shopping. Once you have your Client Card, you are then eligible for the RBC Visa Debit Card, allowing you to shop online with your chequing or savings account. 

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Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.

Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.