BENEFITS GUIDE
RBC® Pharmaprix Optimum‡ MasterCard‡
Earn
Pharmaprix Optimum Points
Everywhere.
Shop anywhere.
Earn everywhere.™
Thank you for choosing the RBC® Pharmaprix Optimum‡
MasterCard‡. It gives you the purchasing power, flexibility
and security you expect in a credit card, plus the ability to
earn Pharmprix Optimum Points‡ every time you make a
purchase using your card†. All with NO annual fee.
Quick Card Overview
Pharmaprix
Optimum Points
Earned
At Pharmaprix
Everywhere Else
15 points for every
$1 in purchases
using your card†
5 points for every
$1 in purchases
using your card†
Annual Fee
$0
Insurance
Coverage
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Purchase Security insurance1
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Extended Warranty insurance1
Additional
Benefits
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ero Liability — protection against
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unauthorized use of your card
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Chip & PIN technology for enhanced security
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MasterCard PayPass‡ — pay with a simple tap
of your card
Don’t forget!
Important steps for new cardholders:
1. Activate your card.
2. View your Benefits Guide online at
pharmaprix.ca/rbccreditcardinfo.
If you have any questions about your
card, please call us at 1-800 ROYAL® 1-2
(1-800-769-2512).
Earning Pharmaprix Optimum
Points is easy.
When you use your RBC Pharmaprix Optimum MasterCard
at Pharmaprix‡ stores, you can earn up to 15 Pharmaprix
Optimum Points for every $1 in eligible purchases**.
Use your credit card every day, for
all kinds of purchases including
pre-authorized bill payments,
15,000 Pharmprix and you can earn points on
practically all your shopping.
Optimum Bonus
Points with your
first purchase*
15 Pharmaprix Optimum
Points for every $1 in
purchases using your
RBC Pharmaprix
Optimum MasterCard at
Pharmaprix stores† —
plus 10 additional points
for every $1 in eligible
purchases if you also use your
Pharmaprix Optimum Card**.
TM
Transportation
Groceries
5 Pharmaprix
Optimum Points
for every $1 in purchases
using your RBC Pharmaprix
Optimum MasterCard
everywhere else†.
Restaurants
Shopping
Redeeming Pharmaprix
Optimum Points is easier.
Each month, the Pharmaprix
Optimum Points you earn
using your RBC Pharmaprix
Optimum MasterCard will
appear on your credit card
statement. Plus, you can track
your points total any time at
www.pharmaprix.ca/
optimum.
Then decide what you want to redeem your points~ for:
n D
ream
large. Save your Pharmaprix Optimum Points
for bigger items — from elegant fragrances to video
game consoles.
n G
et
it now! Use your Pharmaprix Optimum Points to
pick up items at the checkout as soon as you reach the
minimum Pharmaprix Optimum Points requirement.
It’s like getting cash off your purchases!
Best of all, redeem your Pharmaprix Optimum Points
instantly. Just tell the Pharmaprix cashier — it’s that easy!
Security and Protection
Purchase Security and Extended Warranty Insurance1
Purchases made with your RBC Pharmaprix Optimum
MasterCard 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 Certificate of Insurance for
complete details regarding this coverage.
Zero Liability
Protection against unauthorized use of your card — in
person or online — is absolutely essential. Zero Liability
protects you from fraudulent charges, provided you have
taken reasonable precautions to protect your PIN and
your card, as set out in your RBC Royal Bank® Credit Card
Agreement.
Chip & PIN security
The state-of-the-art chip & PIN technology
embedded in your RBC Pharmaprix Optimum
MasterCard helps protect you against counterfeiting and
fraud and makes an already safe payment system even
more secure.
Tap and Go‡ with PayPass
When speed is essential, MasterCard
PayPass‡ is like having exact change
wherever you go. A simple tap of your
card is all it takes to pay at the checkout.
Get more with additional
cardholders
Add a co-applicant* or authorized user(s) to your account
and enjoy the following benefits:
n Earn Pharmaprix Optimum Points faster by
consolidating all your spending on one account.
n All cardholders are protected by the same insurance
coverages.
n Choose to assign pre-set credit limits to each
authorized user — ideal for cardholders who want to
give family members limited access to funds in case
of an emergency.
n See transactions by card number on one monthly
statement.
Call us at 1-800-769-2512 or visit your nearest
RBC Royal Bank branch to add a co-applicant or
authorized user(s) today.
Enjoy all the advantages of
your credit card
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Worldwide acceptance
Access to cash advances††
Credit card cheques††
Commission-free travellers cheques
Time-saving autopayment service
RBC Royal Bank Online Banking
eStatements
Emergency card replacement
For a complete description of all your RBC Pharmaprix
Optimum MasterCard benefits, please visit us online at
pharmaprix.ca/rbccreditcardinfo.
Arrange pre-authorized
payments the easy way with
CustomSwitch®
The RBC CustomSwitch service helps you notify
merchants of any updated card information or with
transferring existing pre-authorized payments to your RBC
Pharmaprix Optimum MasterCard. All at no additional
cost. Plus, you’ll earn Pharmaprix Optimum Points on all
your pre-authorized bill payments.
To set up CustomSwitch or for more information:
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o to www.rbc.com/cardscustomswitch OR
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Call the CustomSwitch hotline: 1-866-299-5926
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank
of Canada.
‡
Pharmaprix, Pharmaprix Optimum and Pharmaprix Optimum Points are registered trademarks of
911979 Alberta Ltd., used under licence. All other trademarks are the property of their respective
owner(s).
†
If you are not currently a member of the Pharmaprix Optimum Program (“Member”), you will be enrolled
automatically once you are approved for the RBC Pharmaprix Optimum MasterCard. Thereafter, you will
earn i) 15 Shoppers/Pharmaprix Optimum Points for every $1 (CDN) in net purchases made with your
credit card at any Shoppers Drug Mart/Pharmaprix store location (“Pharmaprix Location”), excluding
those made at Canada Post outlets located within any Pharmaprix Location, and ii) 5 Shoppers/
Pharmaprix Optimum Points (“Points”) for every $1 (CDN) in net purchases made with your credit card
everywhere else (including pre-authorized bill payments and net purchases made at Canada Post outlets
located within any Pharmaprix Location), provided your credit card account and Pharmaprix Optimum
Program (“Program”) membership are in good standing. Only one Member can be associated with a
credit card account, which means that Points earned by all cardholders on the credit card account will
be credited to the primary’s Pharmaprix Optimum account, even if the co-applicant and/or authorized
user(s) are also Members. Points are not earned on Cash Advances (i.e. 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, fees or unauthorized transactions. Credits for returns
and adjustments will reduce or cancel the Points earned by the amounts originally charged. Other
conditions and restrictions apply. For complete details, visit www.rbc.com/pharmaprixcreditcard. All
terms, conditions and restrictions applicable to the Program are established solely by Shoppers Drug
Mart Inc. and govern your participation in the Program. They are available at www.pharmaprix.ca
1
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
conditions. You will receive a Certificate of Insurance with complete details regarding the insurance
coverage on your RBC Shoppers/Pharmaprix MasterCard.
††
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.
*The co-applicant is fully responsible, with you, for all amounts owing on the account, including for
transactions made by authorized users, if any.
~ All redemptions of Pharmaprix Optimum Points must be made through Pharmaprix in accordance with
the terms and conditions of the Pharmaprix Optimum Program. All terms, conditions and restrictions
applicable to the Pharmaprix Optimum Program are established by Pharmaprix and are available at
www.pharmaprix.ca. Pharmaprix, not Royal Bank of Canada, is responsible for the Shoppers Optimum
Program.
* The bonus Pharmaprix Optimum Points will appear on your first monthly statement, but it will take up
to two (2) business days following the end of your monthly statement period before they get credited to
your Pharmaprix Optimum account. Additional cardholders are not eligible for this welcome bonus offer.
**The Pharmaprix Optimum Points earned with the Pharmaprix Optimum Card are separate from those
earned with the RBC Pharmaprix Optimum MasterCard and are exclusively governed by the Pharmaprix
Optimum Program terms and conditions. Any RBC Pharmaprix Optimum MasterCard cardholder who is
also a member of the Pharmaprix Optimum Program can earn 10 Shoppers/Pharmaprix Optimum Points
for every $1 (CDN) in eligible net purchases at Shoppers Drug Mart/Pharmaprix store locations, provided
they pay with their RBC Pharmaprix Optimum MasterCard and present their valid Pharmaprix Optimum
Card when paying. The Pharmaprix Optimum Points will be credited directly to the Pharmaprix Optimum
account of the cardholder. For complete Pharmaprix Optimum Program terms and conditions, including
eligible purchases and exclusions, visit www.pharmaprix.ca.
Important information
RBC Royal Bank 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
(Access code) (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.
Pharmaprix Optimum Program
www.pharmaprix.ca/optimum
Tel: 1-800-746-7377
For all of your important credit card numbers
in a convenient wallet-sized card, please visit
www.rbcroyalbank.com/cards/walletcard.
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