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CREDIT CARD DETAIL ABN AMRO Smart Gold Credit Card Card Highlights Card Class Gold Card Type Premium Issuer ABN AMRO Offered Type MasterCard Rewards Main Features Get Unlimited Cash Back Travel the world with your Smart Gold Credit Card Smart Miles Smart Redemption Smart Privileges: Gold Life Offers Smart Payments - Easy Pay on your Favourite Brands Guaranteed Higher Credit Limit  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.1% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0.99% per month  Fees & charges   Fees & charges Joining Fee Rs 500 Annual Fee Standard Annual/ Renewal Fee Rs. 2,000 p.a. Add On Card Fee Add On Card fee Rs.750 p.a. As a special privilege, ABN AMRO Smart Gold Cardmembers can gift one Add-on Card to a family member, complimentary for LIFE! Cash Advance Transaction Fee 2.5%(Min. Rs.300) of the cash amount Late Payment 15% of Total Amt.Due (Min. Rs. 350,Max. Rs. 600*) Free Credit Period Min.: 20 days Max.: 50 days Minimum Amount Due Your ABN AMRO Smart Gold Card gives you up to 50 days of interest free credit* on your purchases. With this extended facility, while you may buy a product anytime, you can choose to pay in parts as per your convenience. All you have to do is make a part payment (5% of the 'Total Amount Due or Rs. 200/- minimum) each month, and the balance in parts. Limited Lost Card Liability If your ABN AMRO Smart Gold Card is lost or stolen, report the loss immediately by calling the ABN AMRO Bank by Phone in your city. With Zero lost Card Liability you are protected against any fraudulent use of your Card from the moment you report the loss to us. Needless to say, your Replacement Card will reach you within 3 working days. In case you lose your Card overseas, you can also call MasterCard International Global Assistance Services to report your lost Card and request for an emergency Card which will be sent to your overseas location Over Limit Charges Max.: Rs 500 Cheque Bounce Fee Max.: Rs 250 Return of Cheque Fee Max.: Rs 250 Outstation Cheque Processing Fee Rs 100 Dial a Draft Fee 2.5%(Min. Rs.300) of the cash amount Duplicate Statement Request Charges Rs 100 Replacement Card Charges Rs 200 Emergency Replacement(when overseas) $ ( US ) 148 Railway Booking Surcharge 2.5% Fuel Surcharge 2.5% Foreign Currency Transaction Charges 3% Retrieval Fee/Copy Request Fee Rs 100 Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Every time you use your ABN AMRO Smart Gold, you earn 2 Smart Reward Points for every Rs. 100/- that you spend. What's more, all international transactions earn 50% more Smart Reward Points, i.e. 3 points for a spend of Rs. 100/-. So, the more you spend, the faster you can redeem your points. Your all new ABN AMRO Smart Gold Card gives you the never before option of converting your Smart Reward Points into Smart Miles and redeeming them against free tickets to any destination in the world! What's more, you can also redeem your Smart Reward Points, online, at exclusive national brand outlets. For more info. Click Here  Airline   Airline: Air Miles/ Rs 100 Spent on Airfare 2 Smart Miles Airport Lounge Access Yes Airline Travel Benefits ABN AMRO Smart Gold Card promises to fly you free faster to any destination in the world or earn you free exotic holiday in any part of the world. Spend anywhere and earn ABN AMRO Smart Reward Points which can be converted to Smart Miles. On every Rs.100 spent on the card, you earn 2 Smart Miles! You can now convert your Smart Reward Points to Airline Miles on Indian Airlines and Air Sahara - Spend anywhere and top-up against your existing Airline Frequent Flyer Program (FFP). Get to your free air ticket on your favorite airline faster! Simply use your Smart Gold Card and credit the points to your Cosmos or Flying Returns Account. Comment (on Airport Lounge Access) # Your ABN AMRO Smart Gold Card enables you to access and enjoy the hospitality at select domestic and international airports lounges in India.This service includes a complimentary snack and a non-alcoholic beverage, besides the use of the lounge facility. This privilege is applicable only to the Cardmember.You can avail these privileges at the ITC Welcome Group Airport Lounge at the domestic and international airport in Delhi. You can also avail of these services at MasterCard Lounges in Delhi, Mumbai, Chennai, Cochin and Kolkatta.  Cash Back   Cash Back: Description ABN AMRO Smart Gold Cardholders can now redeem their smart miles against cash ! If you have made at least one travel related purchase i.e. purchase of air/ rail tickets or hotel bookings on your ABN AMRO Smart Gold Credit Card in the last 60 days, you can simply call our Bank by Phone numbers and redeem your smart miles as cash. Redemptions will be done in multiples of thousands. Smart Miles can be redeemed as cash up to the value of your travel related purchase in the last 60 days. The redeemed amount will be credited to your Credit Card account.  Fuel   Fuel: Surcharge Waiver Yes 0% (2.5% on purchases below Rs. 100/-) Reward Points Spend on your Smart Gold Card & redeem against free fuel! The power of online redemption lets you redeem your Smart Reward Points against fuel at select BPCL outlets. So tank-up each time you accumulate 500 Smart Reward Points with your Smart Gold Card. What's more, our PetroPlus program offers you the privilege of 0% surcharge on your fuel transactions at ANY petrol pump across the country.  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes Car Rental Discount As a Smart Gold Credit Cardmember you also get 15% discount every time you rent a car from Hertz, the leading International Car Rental Company. Insurance: Air Accident Personal Accident Cover by Air. 15lac. Insurance cover is absolutely free of cost. Hospitalization Benefits No Credit Shield Credit Shield - Rs 50,000. Insurance cover is absolutely free of cost. "Safe & Secure" insurance benefits are provided to you by ICICI Lombard General Insurance Co. All Insurance covers are for Primary Cardmembers only. ABN AMRO does not provide insurance covers. These insurance benefits are available only to active cardholders. In order to be active you must have used your card at least once in the last 90 days preceding the date of loss.Exclusions/limitations are applicable as per policies issued by ICICI Lombard General Insurance Company Ltd.  Special Offers   Special Offers "One For Free" - Flight Offer "World is Yours" Offer ABN AMRO Travek Mania PAISA VASOOL Getting your dream product was never so easy " Go Mobile Offer "  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: Annual Income Rs 150000.00 Age Min.:   Yrs.   Max.:   Yrs. Documents Required PSU/Govt., MNC/Public Limited require Salary Slip or IT Returns or Form 16 Documents Required - Holding Credit Card for over an year PSU/Govt., MNC/Public Limited require Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.  Self Employed   Self Employed: Annual Income Rs 150000.00 Age Min.:   Yrs.   Max.:   Yrs. Documents Required Partnership/Pvt. Ltd./, Sole Proprietership require CA certified copy of computation of income along with IT Returns and Bank Statement of Last 3 Months. Documents Required - Holding Credit Card for over an year Partnership/Pvt. Ltd./, Sole Proprietership require Photocopy of the front & back of your credit card and Photocopy of your most recent credit card statement.  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Home Equity Loan: A shoulder you can bank... 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