Pay your RBC credit card bill online, by phone, or through automatic payments
You can pay your RBC credit card bill through RBC Online Banking, the RBC Mobile App, by phone, or by setting up automatic payments from your bank account. The fastest method is online banking, which processes when ready. If you prefer not to use digital channels, you can also mail a cheque or pay in person at an RBC branch.
Most RBC cardholders use online banking because it takes about two minutes and you can see your payment post the same day. Automatic payments remove the need to remember due dates altogether. Phone payments work if you prefer speaking to someone, though you'll need your card number and banking information ready.
Key Takeaways
- RBC Online Banking and the RBC Mobile App let you pay your full balance or a partial amount in minutes, with no fees.
- Automatic payments can be set up to pay your minimum, a fixed amount, or your full balance on your due date each month.
- Phone payments through RBC's automated system or a representative work 24/7, but you need your card and account details on hand.
- Cheques and in-person payments at RBC branches take longer to process and should be mailed or delivered at least 10 business days before your due date.
Pay through RBC Online Banking or the Mobile App
Log into RBC Online Banking at rbcbanking.com or open the RBC Mobile App on your phone. Select your credit card account from the list of accounts. You'll see your current balance, minimum payment due, and due date on the main screen.
Click "Make a Payment" or the payment icon. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose the date you want the payment to come from (usually today or a future date within the next 30 days). Review the details and confirm. The payment processes when ready if you choose today's date, or on the date you select if you schedule it ahead.
No fees explore to online payments. Your payment shows in your account within hours, though it may take one business day to fully post to your credit card balance.
Set up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting to pay. Log into RBC Online Banking, go to your credit card account, and look for "Manage Automatic Payments" or "Bill Pay Settings." Select "Add Automatic Payment" and choose your credit card as the account to pay.
You'll pick the payment amount: your minimum payment, a fixed dollar amount you choose, or your full statement balance. Then select the day of the month you want the payment to come out — most people choose their due date or a few days before. Confirm the setup.
Once automatic payments are running, you can change the amount or pause them anytime through the same menu. If your balance changes significantly or you want to make an extra payment in a particular month, you can still make a one-time payment on top of your automatic payment without cancelling the automatic setup.
Pay by phone with RBC's automated system or a representative
Call RBC at the number on the back of your credit card. The automated system will ask you to enter your card number and PIN or answer security questions. You can then select the payment amount and confirm the date.
If you prefer to speak with a representative, stay on the line after the automated menu or say "representative." They can process your payment and answer questions about your account. Phone payments are available 24/7, but wait times are longer during business hours.
Have your credit card number, expiry date, and the bank account you want to pay from ready before you call. The payment processes the same day if you call before the cutoff time (usually 8 p.m. ET on business days), or the next business day if you call after hours or on a weekend.
Mail a cheque or pay in person at an RBC branch
Write a cheque payable to RBC and include your credit card number on the memo line. Mail it to the address shown on your statement — this address is specific to your account and region, so check your latest bill rather than using a general RBC address.
Mail cheques at least 10 business days before your due date to may support they arrive and process in time. Cheques typically take 5 to 10 business days to clear after RBC receives them. If you're close to your due date, a cheque is not a reliable option.
You can also walk into any RBC branch with your credit card and make a payment in person. Bring your card and a form of ID. The teller will process the payment when ready, and it posts to your account the same day. Branch hours vary by location, so check the RBC website for your nearest branch's hours before you go.
Understand your due date and what happens if you miss it
Your due date appears on your statement and in RBC Online Banking. It's usually 21 days after your statement closing date. You must pay at least your minimum payment by this date to avoid a late fee.
If you miss your due date, RBC charges a late fee (the amount varies based on your card type and agreement). Your interest rate may also increase, and the missed payment can show on your credit report. If you realize you've missed a payment, contact RBC when ready — sometimes they can reverse a late fee if it's your first miss or if you have a good payment history.
Setting up automatic payments is the simplest way to avoid this entirely. Even if you can't pay the full balance, an automatic minimum payment ensures you never miss the important date.
What to do if your payment doesn't go through
If you scheduled a payment and it didn't process, check RBC Online Banking to see the status. Payments sometimes fail because of insufficient funds in the account you're paying from, a closed or frozen account, or a technical issue on RBC's end.
If funds were available and the payment still failed, try making the payment again through a different method — for example, if online banking didn't work, try the app or phone. If the problem persists, call RBC's customer service line on the back of your card. They can investigate why the payment failed and help you process it manually if needed.
Don't assume the payment went through just because you submitted it. Check your account the next business day to confirm it posted. If your due date is approaching and a payment is stuck, call RBC right away rather than waiting.
Frequently Asked Questions
Can I pay my RBC credit card from another bank's account?
Yes. When you set up a payment in RBC Online Banking, you can choose to pay from any bank account you own, not just an RBC account. You'll need to provide the account number and routing number of the other bank. The first time you use a new account, RBC may verify it with a small deposit, which takes one to two business days.
Is there a limit to how much I can pay at once?
RBC doesn't publish a specific daily limit for online payments, but very large payments may trigger a security review. If your payment is declined for being too large, call RBC to confirm it's legitimate, and they'll process it. You can also split a large payment into two smaller payments on different dates.
What's the difference between my minimum payment and my full balance?
Your minimum payment is the smallest amount RBC requires you to pay by your due date to avoid a late fee. Your full balance is everything you owe. Paying only the minimum leaves the rest to accrue interest at your card's rate. Paying the full balance avoids all interest charges on that month's purchases.
Can I pay my bill before my statement closes?
Yes. You can pay your balance at any time, even before your statement closes. Payments made before the closing date reduce the balance that appears on your next statement, which lowers the interest you'll owe if you carry a balance.
What if I overpay my credit card?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or contact RBC to request a refund to your bank account. Most people let the credit sit and use it to offset next month's charges.