Once you tell Royal you want the 125% OBC you can apply it to any cruise.  The OBC will be issued based on each guest and what they have for purchases and not who paid for them.  If you and your wife each bought the same things then you will get equal amounts of OBC.  You could apply your OBC to one cruise and your wife’s to a different cruise.  What you can’t do is apply your OBC to two different cruises. Once you ask for the 125% OBC it is non refundable (there are ways to take excess OBC out
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