In addition to the advantages already mentioned about the Moi RBC® Visa‡, this article will explore other relevant information about this credit card.

Discover now what sets it apart and its features, including a step-by-step guide for those interested in applying simply and quickly.

Who is the Moi RBC® Visa‡ Card for?

This card is an excellent option for a variety of consumers, including those looking for exclusive benefits and advantages.

It is particularly attractive to those who make frequent purchases, whether in physical stores or online.

The Moi RBC® Visa‡ card is suitable for various consumers in terms of income, as it does not specify a minimum amount and offers different credit limits.

Therefore, it can meet the financial needs of both individuals with moderate income and those with higher income.

Being a card issued by the Royal Bank, it is ideal for permanent residents in Canada who want to enjoy the benefits of a renowned international financial institution.

What is the credit card limit?

As previously mentioned, the limit of this card is very flexible and adjustable to each customer’s profile, meaning the limit will be defined by specific criteria such as a good payment history and a good score.

How to increase the card limit

Here are some tips to increase your credit card limit:

Keep low debt balances

Avoid accumulating high balances on your credit card, as this may suggest you are facing financial difficulties. Keep your balances below 30% of the available credit limit.

Use your card responsibly

Demonstrating a pattern of responsible card use, avoiding exceeding the credit limit, and managing your expenses wisely, helps the customer request an increase.

Request an increase periodically

Some financial institutions may automatically review your credit limit, but it is also possible to request an increase manually.

Maintain a good payment history

Timely and complete payments of your bills help build a positive credit history, which can increase your credibility in the eyes of the financial institution.

Consider your credit score

A good credit score is essential to increase the limit of your Moi RBC® Visa‡ Card. Remember to monitor your score and take steps to improve it before requesting an increase in the credit limit.

Main details of the card

See what are the particularities of the Moi RBC® Visa‡ credit card

  • Brand: Visa;
  • Type: International;
  • Initial limit: Adjustable;
  • Annual fee: Free;
  • Accepts negative credit: No.

Benefits of the credit card

It is possible to access additional advantages, among them are:

Mobile phone insurance

When you purchase your mobile device with this credit card, you will receive coverage of up to $1,000 for up to two years in the event of loss, theft, accidental damage, or factory defect.

It is important to know that this coverage is not a total guarantee and is subject to certain conditions and limitations.

Moi points program

Among the various possibilities of earning points, some of them are:

  • Earn 2 points when shopping at grocery stores, cosmetics stores, or related to well-being;
  • Accumulate points in restaurants and receive two points for every $1 spent;
  • You are guaranteed 1 point per dollar spent on purchases at any establishment;
  • Fuel your car with the Moi RBC® Visa‡ credit card and earn 2 points for every dollar paid.

Extended warranty

Your purchases will be automatically protected with the Moi card and qualified against loss, theft, or damage for up to 90 days after purchase.

In addition, the original warranty will receive double the time from the manufacturer for up to an additional year, extending it to a maximum of five years.

Documents required to apply

The documents required to apply for the Moi RBC® Visa‡ card include:

  • Identification documents: You must provide valid identification documents, such as an identity card (RG), passport, or current and valid driver’s license.
  • Proof of residence: You will need to present proof, such as a utility bill (electricity, water, gas, or landline phone) in your name. This document confirms your current address and may be necessary to verify your eligibility for the card.
  • Contact information: You must provide updated contact information, such as a phone number and email address, so the bank can contact you during the application process.
  • Social security number: A social security number or equivalent document is required for identification and credit verification.

Fees and tariffs

To decide whether a card can be a good ally or a great enemy, it is important to analyze the rates and fees it has.

Better understand the values ​​and percentages of moi RBC® Visa‡:

  • Purchase interest: 20.99%;
  • Cash Advance Interest: 22.99%
  • Balance transfer interest: 22.99%
  • Card annual fee: Free;
  • Additional card: Free.

About the bank

Royal Bank of Canada (RBC) is an important financial institution that stands out for its commitment to strong values ​​and purpose.

With a dedicated team of more than 98,000 employees, the bank’s main objective is to create strategies that meet consumer priorities in the best possible way.

A leader by market capitalization, Royal Bank of Canada is not only the largest bank in Canada, but is also recognized as one of the most influential financial institutions worldwide.

The institution offers several advantages to those who choose to be a bank customer, such as financial solutions, loans, among others.

One of Royal Bank of Canada’s main concerns is the safety of its customers. To ensure the peace of mind of each of them, the bank implements strict cyber protection measures.

This means that when creating an account with RBC, customers can rest assured if the issue is the security of their personal information or financial assets, after all, the bank prioritizes the protection of your data above all else.

How to contact Moi RBC® Visa‡

For questions, complaints, or contracting services from the bank, contact through the following customer service channels:

  • RBC (Canada): 1-800-769-2511
    1-800-769-2555 (online services).
  • RBC (Georgia), NA: 1-800-769-2553
    TDD/TTY: 1-800-661-1275

How to apply for the credit card?

Here is a simple step-by-step guide on how to apply for the Moi RBC® Visa‡ credit card:

  • Access the official RBC website or visit the nearest RBC bank branch;
  • Look for the financial products or credit cards section;
  • Find the RBC® Visa‡ Card in the list of credit card options offered;
  • Read the detailed information about the card, including fees, benefits, and terms of use;
  • Click on the button or link to “Apply now”;
  • Fill out the online registration form with your personal information, such as full name, address, date of birth, social security number, income, and employment;
  • Wait for RBC to review your credit application;
  • If approved, you will receive your new RBC® Visa‡ Card by mail within a few business days;


The Moi RBC Visa card is an accessible and practical option for those looking for a secure and easy-to-use payment method.

With it, you can make purchases at various establishments around the world, as well as conduct online transactions safely.

One of the advantages of this card is the absence of annual fees, making it even more advantageous for those looking to save.

Of course, this information deserves to be shared, doesn’t it? So send this article to friends and family and recommend the Moi RBC® Visa‡ credit card so they can also enjoy the benefits.