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| CREDIT CARD DETAIL |
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| ABN AMRO Smart Gold Credit Card |
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| Card Highlights |
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| Card Class |
Gold |
| Card Type |
Premium |
| Issuer |
ABN AMRO |
| Offered Type |
MasterCard |
| Rewards |
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Main Features
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- 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
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
3.1% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
0.99% per month
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Fees & charges
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Fees & charges
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| 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% |
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Rewards & Benefits
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Rewards & Benefits
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| 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 |
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Airline
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Airline:
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| 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) |
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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. |
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Cash Back
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Cash Back:
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| 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. |
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Fuel
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Fuel:
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| 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. |
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Services & Features
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Services & Features
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General Features:
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| 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. |
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Insurance:
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| 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. |
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Special Offers
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Special Offers |
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Eligibility Criteria
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Eligibility Criteria
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Salaried
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Salaried:
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| 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. |
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Self Employed
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Self Employed:
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| 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. |
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Terms & Conditions
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Terms & Conditions |
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