You can apply for an RBC credit card online at rbc.com, through the RBC Mobile app (for existing clients), or at an RBC branch. The online process takes about 10 minutes.
Step-by-Step: Applying Online
- Review the lineup — Compare RBC credit cards and check income requirements
- Go to rbc.com — Navigate to credit cards and click “Apply Now”
- Log in or apply as a guest — Existing RBC Online Banking clients can pre-fill personal information
- Complete the application — Provide your SIN (optional), income, employment details, and address
- Submit — RBC runs a hard credit inquiry; most applicants get an instant decision
Required Information
| Field | Details |
|---|---|
| Legal name and date of birth | As on your government ID |
| SIN (optional) | Speeds up the credit check; not mandatory |
| Annual income | Total gross income from all sources |
| Employment status | Employed, self-employed, retired, student |
| Employer name and length of employment | For employed applicants |
| Current address | And time at address; prior address if less than 2 years |
| Monthly housing payment | Rent or mortgage |
RBC Client vs. Non-RBC Client
Existing RBC clients applying through RBC Online Banking or the RBC Mobile app benefit from pre-filled fields and faster processing. RBC may also pre-approve existing clients based on their banking relationship — check the “Offers” section in the app before applying.
Non-RBC clients can apply at rbc.com without an RBC bank account. You’ll enter all information manually.
Income Requirements Quick Reference
| Card Tier | Personal Income | Household Income |
|---|---|---|
| Visa Infinite (Avion Infinite, British Airways) | $60,000 | $100,000 |
| World Elite Mastercard (WestJet, Cash Back WE) | $80,000 | $150,000 |
| Visa Infinite Privilege (Avion Privilege) | $200,000 | $200,000 |
| All other cards (Ion Plus, Platinum, no-fee) | None | None |
See RBC Credit Card Income Requirements for the full table.
After You Apply
| Outcome | Timing | Next Step |
|---|---|---|
| Approved — instant | Immediate | Card mailed; arrives in 7–10 business days |
| Pending — review | 1–3 business days | RBC may call or email for more information |
| Declined | Immediate or 1–3 days | Consider a lower-tier RBC card |
If declined, you can call RBC at 1-800-769-2512 to ask whether additional documentation would result in reconsideration.
Tips for a Successful Application
- Check your credit score first — Free via Borrowell (Equifax) or Credit Karma (TransUnion). Target 700+ for Visa Infinite / World Elite cards.
- Apply during a welcome bonus promotion — RBC runs elevated welcome offers seasonally
- Space out your applications — Don’t apply for multiple cards within 3–6 months
- Have your NOA or pay stubs ready — High-limit cards may require income verification
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Process current as of June 2026. RBC may update its application process at any time. See our Advertiser Disclosure.