How much cash back will I earn on RBC Credit Card?

On the average $620/month bill: $6.20 at 1% or $12.40 at 2% per month from Neobanc, up to $149 a year.

Neobanc CASHBACK

How to Get Cash Back on Your RBC Credit Card bill

Pay your RBC Credit Card bill through Neobanc by Interac e-Transfer and earn up to 2% cash back on every payment. Free to use, setup takes 2 minutes.

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Takes ~2 minutes · Works with any Visa or Mastercard · RBC Credit Card qualifies

620

average monthly RBC Credit Card

1-2%

Neobanc cash back, on top of card rewards

≈ $58/yr

back on this bill (cash back + 2% card rewards)

Quick answer:

Add RBC Credit Card as a payee in Neobanc (RBC Credit Card), enter your card number, and fund the payment by Interac e-Transfer (free). You'll earn 1% to 2% Neobanc cash back on every payment, up to $149 a year on a typical $620/month bill.

What is RBC Credit Card?

RBC Credit Card bills average around $620/month for a typical household. RBC Autopay can withdraw from an account at another Canadian bank, one of the few Big 5 programs supporting external-account autopay online.

How to Get Cash Back on Your RBC Credit Card Bill

Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
Add RBC Credit Card as a payee: search "RBC Credit Card" in Bills. Banks and Neobanc list it as RBC Credit Card.
Enter your card number: find it on the front of your RBC card or your monthly statement.
Fund the payment by Interac e-Transfer: free, from any Canadian bank account in your name. One-time or recurring.
Earn cash back on every payment: 1% to 2% lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your RBC Credit Card Number

Check the front of your RBC card or your monthly statement. Enter it exactly as shown when adding the payee.

Can I Pay RBC Credit Card With a Credit Card?

No. You can't pay a credit card with another credit card through Neobanc. Credit card bills are funded by Interac e-Transfer from your bank account, which is free. What you gain is the cash back: paying RBC Credit Card straight from your bank earns nothing, while the same payment routed through Neobanc earns 1% to 2% back. On a typical $620/month statement, that's up to $149 a year for the exact same bill.

The Math on Your RBC Credit Card Bill

Average $620/month: Neobanc returns $6.20/month at the 1% rate, or $12.40/month on the 2% tier, up to $149 per year for changing how you pay, not what you pay. There is no fee: Interac e-Transfer funding is free.

How do I save the most on my RBC Credit Card bill each month?

Pay in full, and pay it through Neobanc. Paying by bank transfer or Autopay earns nothing; the same payment through Neobanc earns up to $149 a year. Missing the minimum payment means interest (~20.99% purchases) compounds and late payments can be reported to Equifax/TransUnion. Set a recurring Neobanc payment about a week before the due date: funds take 3 business days to process plus 1 to 3 business days for bill-pay delivery, and you earn on every cycle without running late.

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Frequently Asked Questions

Can I pay my RBC Credit Card bill with a credit card?

No. Through Neobanc, credit card bills are funded by Interac e-Transfer from your bank account, which is free. You still earn 1% to 2% Neobanc cash back on every RBC Credit Card payment.

Where do I find my RBC Credit Card number?

You'll find it on the front of your RBC card or your monthly statement

Which payee do I choose for RBC Credit Card?

Banks and Neobanc list it as RBC Credit Card. Pick the one matching your service and enter your card number exactly as it appears.

How long does a RBC Credit Card payment take through Neobanc?

Allow 3 business days for Neobanc to process your Interac e-Transfer, plus 1 to 3 business days for bill-pay delivery to the issuer. Schedule about a week before your statement due date.

Can I set up automatic payments for RBC Credit Card?

Yes, set a recurring payment in Neobanc so every cycle earns cash back automatically (this replaces RBC Credit Card's Autopay).

Is there a fee to pay RBC Credit Card through Neobanc?

No. Funding by Interac e-Transfer is free, so there is no fee to pay RBC Credit Card through Neobanc, and you earn 1% to 2% cash back on top.

What happens if my RBC Credit Card payment is late?

Missing the minimum payment means interest (~20.99% purchases) compounds and late payments can be reported to Equifax/TransUnion.

Is there a RBC Credit Card promo code?

Promotions come and go, but the evergreen discount is structural: 1% to 2% cash back on every RBC Credit Card payment through Neobanc, funded free by Interac e-Transfer.

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