Payback with Points is Canada’s pioneering real-time rewards redemption program that gives RBC Reward members the flexibility and power to use their rewards for what’s most important to them, from the everyday to-do’s like picking up groceries, buying their favorite coffee, paying credit card and bills or to achieving their bucket list travel dreams.

The first pillar of the long-term Payback with Points Program was set by introducing in-person, real-time rewards redemptions, allowing users to pay for a whole or part of their day-to-day purchases at virtually any of their favorite merchant stores across Canada.

Payback with Point led to a surge in the rewards redemption rate by 40% in the first 3 months.