Grace Period for Purchases: 21 days. There is no interest-free period for cash advances. Cash advances, balance transfers, use of RBC credit card cheques, certain bill payments and cash-like transactions are all cash advances. Interest is charged from the day the cash advance is made until payment is received for the total amount you owe. $12 annual fee for the primary card and $12 annual fee for additional cards. Dishonoured Payment Fee: $40.