RBC Client Card vs. RBC Visa Debit Card

Attribute	RBC Client Card	RBC Visa Debit Card
Issued By	RBC Royal Bank	RBC Royal Bank
Card Type	Client Card	Visa Debit Card
Accepted Worldwide	No	Yes
Linked to Bank Account	Yes	Yes
ATM Access	Yes	Yes
Online Purchases	No	Yes

Overview

RBC offers two main types of debit cards for its clients: the RBC Client Card and the RBC Visa Debit Card. Both cards allow clients to access their funds easily and make purchases, but they have some key differences in terms of functionality and features.

Accessibility

The RBC Client Card is a basic debit card that is linked directly to a client's bank account. It can be used at ATMs to withdraw cash, as well as at point-of-sale terminals to make purchases. On the other hand, the RBC Visa Debit Card offers the same functionality as the Client Card, but it can also be used online and internationally wherever Visa is accepted.

Security

Both the RBC Client Card and RBC Visa Debit Card come with security features to protect clients' funds. These include chip technology, which provides an added layer of security when making purchases in person, as well as fraud protection measures to safeguard against unauthorized transactions. Clients can also set up alerts and notifications to monitor their account activity and detect any suspicious behavior.

Rewards

One of the main differences between the RBC Client Card and RBC Visa Debit Card is the rewards program. The RBC Visa Debit Card offers clients the opportunity to earn rewards on their everyday purchases, such as cash back or points that can be redeemed for travel or merchandise. On the other hand, the RBC Client Card does not have a rewards program, so clients will not earn any rewards for using the card.

Fees

When it comes to fees, both the RBC Client Card and RBC Visa Debit Card have similar fee structures. Clients may be charged fees for certain transactions, such as using non-RBC ATMs, overdrafts, or foreign currency transactions. However, clients can avoid some fees by using their cards responsibly and staying within their account limits. It's important for clients to review the fee schedule for each card to understand the costs associated with using them.

Convenience

Both the RBC Client Card and RBC Visa Debit Card offer clients the convenience of accessing their funds easily and making purchases without carrying cash. Clients can also manage their accounts online or through the RBC mobile app, where they can view their transactions, transfer funds, and pay bills. The ability to access their accounts anytime, anywhere adds to the overall convenience of using these debit cards.

Conclusion

In conclusion, the RBC Client Card and RBC Visa Debit Card both offer clients a convenient and secure way to access their funds and make purchases. While the Client Card is a basic debit card with limited functionality, the Visa Debit Card provides additional benefits such as rewards and international acceptance. Clients should consider their spending habits and needs when choosing between these two cards to find the one that best suits their financial goals.