ABN AMRO Freedom
CancelA foreign bank's answer to overspending, sold in India when nobody else was asking.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until ABN AMRO Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #904
Why #904 The mass-market rung of a foreign bank's Indian card book, sold on control features rather than rewards — Flexilimit, spend alerts and a year-end spend summary, in 2002. Carried for the record; ABN AMRO's Indian retail business went to RBS in 2007–08 and the brand left India altogether.
The take
The Freedom was ABN AMRO's volume card in India and it was pitched at something no Indian issuer was selling in 2002: not more rewards, but less fear. The whole front half of the product page is a set of brakes. Flexilimit let you phone the bank and lower your own credit limit — and raise it back later — and let you assign each add-on cardholder a fixed percentage of that limit. Active Alerts pushed e-mail and SMS on every material transaction, years before that was standard. And the Year End Statement Summary categorised twelve months of your own spending into food, clothing and jewellery and handed it back to you. Read today it looks like an ordinary app dashboard; read against 2002 it was a genuinely unusual pitch. The travel dimension was thin but real: 3.5% off basic domestic air fares and 6% off international ones bought through SITA World Travel, part of the Kuoni group, with tickets delivered to your door, and 15% off Hertz car rental worldwide. Foreign currency transactions were charged at 3% in the 2006 tariff, below the 3.5% that became the Indian norm — though ABN AMRO had itself moved to 3.5% by its last published fee schedule in 2010. There was no lounge access at this rung — that started on the Smart Gold above it — and the insurance block was the period standard: ₹6,00,000 of air accident cover, ₹1,00,000 for other accidents, 90 days of purchase protection. Nothing is priced here because the rewards were Bonanza Reward Points, a catalogue currency this desk does not model, and because the card no longer exists to earn them.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ABN AMRO Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Flexilimit — phone the bank to lower your own credit limit, or assign each add-on card a percentage of it
- 3.5% off basic domestic air fares and 6% off international fares booked through SITA World Travel
- 15% off Hertz car rental worldwide, charged to the card
- 3% foreign-currency markup in the 2006 tariff, when 3.5% was becoming the Indian standard
- Free personal accident cover of ₹6,00,000 in the air and ₹1,00,000 on the ground, plus 90-day purchase protection
Watch out
- WITHDRAWN — ABN AMRO sold its Indian retail and card business to RBS in 2007–08 and the brand has since left India entirely
- The Bonanza Rewards programme carried an enrolment fee of ₹250, waived only as an introductory offer, and an annual programme fee on card renewal
- No lounge access at this rung — airport lounges started on the Smart Gold card above it
- Revolving cost was 2.89% a month on the 2002 page and 2.95% a month by the 2006 tariff — an APR of 35.4%
- The air-ticket discounts ran through one agency, SITA World Travel, and carried a service fee of their own
- No accrual rate is carried here: the card earned Bonanza Reward Points, which this desk does not model as a currency
- The 3% foreign-currency fee did not last: ABN AMRO's last published fee schedule, in 2010, charges 3.5% plus 0.80% from MasterCard on overseas-registered merchants located in India
What these points actually fly
ABN AMRO Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. ABN AMRO's Indian credit-card book passed to the Royal Bank of Scotland in the 2007–08 consortium break-up of ABN AMRO, and abnamro.co.in has not served a card page for well over a decade.
ABN AMRO Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against ABN AMRO Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 6 of them, each with the day we read it
- official ABN AMRO India's Freedom Credit Card benefits page (archived 06-Aug-2002) — the Flexilimit and alert features, the SITA travel discounts, the Hertz rate and the free insurance block
- official ABN AMRO India's shelf-wide Tariff of Charges (archived 17-Dec-2006) — Freedom at ₹295 to join and ₹595 a year, with a 3% foreign-currency fee across the whole book
- official ABN AMRO India's combined Freedom and Smart Gold fees page — the 2002 entrance-fee waiver, the ₹595 annual fee and the add-on card charges
- official ABN AMRO India's LAST published Service Charges and Fees page, 2010 — Freedom still at ₹295 to join and ₹595 a year, and the whole book moved to a 3.5% foreign-currency fee
- official Ratnakar Bank's press release of 9 August 2013 — its acquisition of RBS India's credit-card business, the end of the line for the book ABN AMRO's Indian cards were issued from
- official RBL Bank's 2014 Cards Schedule of Charges — the acquiring bank still pricing this card at ₹595 a year, in a fee category its own footnote says covers Freedom, Goodlife and One