Abn Amro Smart Gold Credit Card Benefits - 2

Smart Redemption

The ABN AMRO Smart Gold is the only Credit Card in India that allows you to shop for your own reward. The unique intelligent chip on your Gold Card provides you with the opportunity of checking your Smart Reward Points and also redeeming them as you wish, at designated exclusive brand outlets across the country.

Redemption of your Smart Reward Points at these establishments gives you the real shopping experience and you can also choose what you want.

What's more, if you would like to buy merchandise but do not have sufficient reward points to redeem, just pay the balance on your ABN AMRO Smart Gold and take home the cherished reward.

Smart Payments – Easy Pay on your Favourite Brands

Welcome to the world of convenience of Easy Pay - the monthly installment payment* facility available only on your ABN AMRO Smart Gold Card! Buy your favourite things (which can be just about anything!) on your Smart Gold Card and pay in easy monthly installments at the lowest interest rates (as low as 1.49 %**).

Go all out to plan that holiday, purchase your favourite home theatre or microwave oven or buy that exclusive watch. So shop till you drop because we won't let anything come in your way!

*The categories which are eligible for the Easy Pay facility vary periodically.

**This rate is variable as per the EMI option chosen.

Lowest Ever Balance Transfer Rates

Your ABN AMRO Smart Gold Card offers you the lowest ever interest rate on transfer of your outstanding balances from other Credit Cards to your ABN AMRO Smart Gold Card. You pay interest at the lowest rate of interest on the amount that you transfer from your other Card.*

By transferring your outstanding amount, you not only save on the interest on outstanding balance on your other Card/s but you also ensure that you continue to pay a low interest rate with your ABN AMRO Smart Gold Card.

Click here to download the Balance Transfer Form.

For more details, please go to our balance transfer calculator and see how much you save with the ABN AMRO Balance Transfer Facility.

*Please refer tariff of charges for details.

Guaranteed Higher Credit Limit

The all new Smart Gold card realizes the importance of providing you a credit limit that suits your life style. Smart Gold Card guarantees a higher credit limit than the limit you enjoy on your existing credit card. It's just our way of showing that you deserve the best.

* Conditions apply. Please call Bank by Phone for details.

Smart Repayment Options

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.

Please note your card account attracts finance charges as per the prevailing tariff for the balance amount.

Zero 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.

Additionally, you must report the loss/theft of the card to the nearest police authorities, and forward a copy of the acknowledged report to the Bank.

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*.

Please Note: A nominal fee is applicable for this service

Call–a–Draft

The ABN AMRO Smart Gold Card also provides Call-a-Draft service that allows you to order a draft over the phone and pay for it in parts later. All you need to do is call the Bank by Phone number in your city. The draft will be delivered at your doorstep within 3 business days. You can use the draft to make payments at merchant establishments and places that do not currently accept Credit Cards.

Please note: Call-a-Draft facility on your Card entails a transaction charge as applicable. These also carry finance charges from the date of transaction until the date of settlement. Call-a-Draft will be processed only against your available cash limit.

Flexilimit

The powerful Flexilimit feature helps you regulate the Credit Limit on your card as also your Add-on Card. You can assign an amount less than the total Credit Limit to your Add-on Card by calling the Bank by Phone executive and change the same as you desire within your assigned Credit Limit. This way you can share the power and convenience with your loved ones without losing control of your finances.

Global CashAxess

You can use your ABN AMRO Smart Gold Card to withdraw cash up to 30% of your Credit Limit from over 800,000 MasterCard ATMs around the world. In India, you can access cash round the clock, 365 days a year from any of the 4000 ATMs that display the MasterCard/Cirrus and Maestro sign! You can also access cash from any ABN AMRO Bank's 24 Hour ATMs in Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, NOIDA, Pune and Vadodara.

A transaction fee is applicable on all Cash Withdrawals on your Smart Gold Card. All cash advances also carry the Finance Charge from the date of the transaction until date of settlement. This limit and the cash advance may vary from time to time as per the rules governing Card usage. Please refer to the tariff sheet attached.

Global Assistance Services

You also have access to MasterCard International Global Assistance Services. This service provides you the facility of reporting the loss of your Card as well as request for an emergency replacement card or for emergency cash advances that will be sent to your overseas location.

Please Note: A nominal fee is applicable for this service

Year End Statement Summary (YESS) and Smart Alerts

This revolutionary feature on your ABN AMRO Smart Gold Credit Card allows you to keep a track of your spending habits and patterns. Year End Statement Summary sends you a consolidated summary displaying your usage patterns under different heads such as Airlines, Hotels, Retail Stores, Travel, etc., over a period of 12 months. It provides a scientific analysis of expenditure, thus enabling you to plan your finances better.

The Smart Alerts feature combines security with a package of technology friendly email and SMS messages on all vital Card transactions at frequent intervals. For e.g. when we credit your account with a payment or you use your Card on the Internet, you will be intimated of the same.

Global Validity for the Global Citizen

Your ABN AMRO Smart Gold Credit Card helps you to be in control, wherever you are in the world. The ABN AMRO Smart Gold Card is accepted at about 23 million MasterCard accepting merchant establishments worldwide. This is in addition to over 120,000 MasterCard establishments in India and Nepal. What's more you can now buy in any currency and pay back later in Indian Rupees.

Please Note: As per RBI guidelines, you can use your Card in Nepal and Bhutan for transactions in either their local currencies or in Indian Rupees.

Travel Privileges and Services

Access to Airport Lounges - 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

Comprehensive Monthly Statement

All transactions on your ABN AMRO Smart Gold Card are reflected on your monthly statement, giving you a complete picture of all your transactions. Your Add-on Card transactions also reflect in your monthly statement. Your statement also provides a summary of your Smart Rewards Points.

Cheque Drop Boxes

As an ABN AMRO Smart Gold Cardmember you have the option of depositing your cheque in close to 1900 Payment Drop Boxes across India. For a list of Payment Drop Boxes in your city, please click here.

24 Hour Bank by Phone

Should you need any assistance or information about your card, transactions or if you want to report a lost, stolen or damaged card, just call our Bank by Phone service in your city. Our customer service executive will be glad to assist you.