ABN AMRO New Gold
CancelThe cheap Gold — no lounge, but its points could still become airline miles.
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 #911
Why #911 Half the price of the Smart Gold above it and none of the lounge, but the one ABN AMRO card outside the Titanium whose points could reach an airline — Smart Top-Up moved them into Indian Airlines' frequent-flyer programme. Carried for the record.
The take
ABN AMRO ran two Gold cards at once and the fee table is the only place that makes the difference legible. The Smart Gold charged twice as much to renew and carried the airport privileges; plain Gold — marketed as the New Gold Credit Card — cost the same ₹500 to join and half as much to keep, ₹1,000, and carried none of them. What the ₹1,000 bought was a competent mid-market card of its period: 2 Bonanza Reward Points per ₹100 redeemable against gift vouchers in multiples of a thousand, a full waiver of the 2.5% fuel surcharge on purchases from ₹100 up to ₹10,000 a month, one add-on card free for life, and the bank's Year End Statement Summary and Active Alerts. The line worth stopping on is Smart Top-Up, because it is the only place outside the Smart Miles Titanium where an ABN AMRO card's points left the bank's own catalogue: "You can now convert your Smart Reward Points to Airline Miles on Indian Airlines — Spend anywhere and top-up against your existing Airline Frequent Flyer Program." No ratio was published, the points went through something called a Cosmos Account, and the airline itself was folded into Air India in 2011. It is a genuine transfer route and a completely dead one, which is roughly the story of this whole shelf. Read the page carefully and you can also watch ABN AMRO's own copy desk lose track: the Smart Top-Up and Gold Life paragraphs on the New Gold page still say "Smart Gold Card", because they were pasted across from the card above.
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
- 2 Bonanza Reward Points per ₹100, redeemable against gift vouchers in multiples of a thousand points
- Smart Top-Up converted reward points into Indian Airlines frequent-flyer miles
- Fuel surcharge fully waived on purchases from ₹100 up to ₹10,000 a month at every Indian pump
- One add-on card free for life, carrying the full feature set, for family aged 15 and over
- Half the renewal fee of the Smart Gold card above it — ₹1,000 against ₹2,000
Watch out
- WITHDRAWN — ABN AMRO's Indian card book passed to RBS in 2007–08 and the brand has left India
- NO lounge access at all — that was the Smart Gold card, which cost the same to join and twice as much to keep
- The Smart Top-Up airline route ran into Indian Airlines, which merged into Air India in 2011; no conversion ratio was ever published
- No accrual value is carried here: the card earned Bonanza Reward Points, which this desk does not model as a currency
- The Year End Statement Summary became a ₹75 charge from 1 January 2009 unless you opted out by 1 March
- Revolving cost reached 3.5% a month — an APR of 42% — on the last published schedule, and foreign currency 3.5% plus 0.80% from MasterCard
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 retail and card business passed to the Royal Bank of Scotland in the 2007–08 break-up of ABN AMRO, and no successor sells this product.
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 — 5 of them, each with the day we read it
- official ABN AMRO India's New Gold Credit Card page (archived 25-Jan-2009) — the 2-points-per-₹100 accrual, the Smart Top-Up airline conversion, the fuel-surcharge waiver and the free lifetime add-on
- official ABN AMRO India's shelf-wide Tariff of Charges (archived 17-Dec-2006) — a "Gold" column at ₹500 and ₹1,000, separate from the "Smart Gold" column beside it
- official ABN AMRO India's last published Service Charges and Fees page (archived 10-Feb-2010) — the Gold Card still at ₹500 and ₹1,000, and the foreign-currency fee raised to 3.5%
- 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 ₹1,000 a year, in a fee category its own footnote says covers Gold and Smart Gold