Daily spending can be overwhelming to monitor, especially for those that make several transactions per day. I find this difficult to manage as I always need to keep tabs on every single deal I make. This is why I prefer using a credit card for my daily needs.

For many people, a credit card that offers lots of benefits and features is a strong choice not only for monitoring but for other functions, as well. A credit card gives me lots of opportunities to make the most of their account.

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One of these great credit cards is the ABN Amro Credit Card. Learn more about this card, its features, and its fees in the article below.

  • ABN Amro Credit Card Features
  • Pros and Cons of the ABN Amro Credit Card
  • ABN Amro Credit Card Fees
  • Getting an ABN Amro Credit Card
  • Managing the Card
ABN Amro Credit Card - Learn How to Get This Card
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ABN Amro Credit Card Features

The ABN Amro Credit Card offers a pleasant experience by making credit card membership convenient, safe, and extremely worthwhile. This offering is one of the most popular credit cards around, especially for those in the Netherlands.

ABN Amro Credit Card - Learn How to Get This Card
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It offers different ways to bank, from the more conventional bank visits to more modern methods such as online and mobile banking. I find this very useful, especially as I do not need to leave the comfort of my own just to check on my account. Plus, I can check my account even while on vacation.

What makes this card preferable to many is its free purchase insurance. Every time I make a purchase, I can rest assured knowing that it has coverage against damages or losses. This applies to most purchases, which is especially useful for major spending.

Those who do a lot of online shopping like me can also take advantage of this card through iDEAL payments. This applies to almost all online shops in the Netherlands, as well as most foreign websites. iDEAL offers insurance on the purchase, as well as a money-back guarantee for failed deliveries.

Other Benefits

I want to highlight that some of the most important benefits of using the ABN Amro Credit Card are its coverage of many things. Aside from purchases and failed deliveries, the card also provides luggage delay insurance, which offers compensation for travelers who do not receive their baggage at the destination within four hours of arrival.

A flight delay insurance is also available. This covers money spent on accommodation which is lost due to flight delays of more than four hours.

Pros and Cons of the ABN Amro Credit Card

One of the strongest features of the ABN Amro Credit Card is the availability of different banking methods such as in-person, online, and mobile. I truly appreciate the convenience online and mobile banking offers as it lets me track my spending with just a few clicks or taps.

ABN Amro Credit Card - Learn How to Get This Card
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Plus, the card issuer offers a secure way to use these methods including a safe way to log into my internet banking account safely using QR code scanning. There are lots of things I can do with these methods including checking recent transactions and card management.

Another pro of using this card is it offers an easy way to pay for various things such as online bookings for holidays, emergency access to funds in case of unforeseen circumstances, and toll fees. It is also useful for individuals needing an ESTA statement for a US trip.

Other benefits to expect from this card include secure payments, coverage for purchases, and big-ticket spending due to a considerable credit limit. Keep in mind that the bank decides how much the limit will be depending on the applicant’s background.

Some Things to Remember

Let me remind you that while this credit card has a lot of advantages to offer, do not forget that being a cardholder comes with certain responsibilities. This comes in the form of fees and penalties.

I set reminders to remind myself that I have upcoming dues to pay because missing these deadlines can result in penalties.

ABN Amro Credit Card Fees

So, what are the fees and rates that come with this card? Some of the most basic ones are interest, transaction fees, and penalties. These go on top of the transaction and can have an impact on finances, especially for those with tight budgets.

ABN Amro Credit Card - Learn How to Get This Card
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Paying my dues in full helps me minimize any charges, especially penalties. However, this may not be possible for many because of various economic reasons. The best way to proceed is to make consistent and on-time monthly repayments.

I find it important to remember what types of charges are imposed on cardholders for different transactions. For the ABN Amro Credit Card, here are some of the most important ones.

  • Monthly Fee – EUR 1.70
  • Annual Interest Rate – 10%
  • Additional Credit Card – EUR 1 per month
  • Cash Withdrawals – 4% of the amount with a minimum of EUR 4.50
  • Money Transfers – 2.5% of the amount
  • Foreign Currency Conversion Fee – 2% in surcharges

Getting an ABN Amro Credit Card

One of the best things about the ABN Amro Credit Card is it is easy to order it. In fact, I can apply for one online, given that I have an account with ABN AMRO. When applying, I will be prompted to log into my account using the ABN AMRO app. To log in, I just need to scan the QR code on the app.

ABN Amro Credit Card - Learn How to Get This Card
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This brings up the application form, which I need to fill out. A lot of my information will already be filled in, but there might need to enter additional details. The next step is to submit the application and wait as International Card Services evaluates it. Take note that this may take some time.

Once done, I can choose my personal identification number (PIN), which helps move the application process along. An email will be sent by the ICS detailing how I can receive my credit card. Upon approval, I need to wait five to 10 days for the card to arrive at my doorstep.

One useful tip before applying for any credit card is to look for their terms and conditions and read them. This always gives me some idea about the card, as well as some points to inquire about before applying.

Eligibility and Requirements

Just like any other financial service, applying for a credit card can be a stringent process. So, my advice is to always check the eligibility. For the ABN AMRO Credit Card, only those 18 years old and above living in the Netherlands can apply.

Keep in mind that credit and financial backgrounds may matter when it comes to applying for credit products. For this particular offering, applicants should earn a net of EUR 1,150 to qualify. Those earning below this amount or living with benefits may not acquire this card.

Credit card issuers require documentation as proof of eligibility. I typically prepare for this by having a government-issued ID with my birthday and address, recent paychecks, latest bank statement, and utility bills at hand.

 Managing the Card

Diligence is key to the responsible use of any credit product. I find it useful to always use accessible banking methods to monitor my account. This is easily done through online and mobile banking, and ABN AMRO has both.

ABN Amro Credit Card - Learn How to Get This Card
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The ABN AMRO app is needed to log into internet banking. The good news is that the mobile software is available on iOS via the App Store and Android via the Google Play Store. It utilizes secure methods to log in to both platforms, giving me peace of mind whenever I sign in.

The app offers banking portability, which makes it more convenient to monitor my account, even while on holiday. This banking method lets me block my card in case of loss or suspicious transactions. I can also unblock my card if I wish to do so.

The best thing about this app is it offers a quicker way to get in touch with the card issuer. I can contact customer service straight from the app by going to the Help section.

Getting in Touch with the Bank

Aside from the app, I can get in touch with the bank through more conventional means. I can call +31 (0)20 – 6 600 123 for credit card services. I can also send mail to International Card Services BV, Mailbox 23225, 1100 DS Diemen.

Questions can also be sent via a contact form, which is accessible upon logging in to the online account.

The Takeaway

Getting the ABN AMRO Credit Card is a great way to become a cardholder. With a credit card to use for a wide variety of transactions, I can reap the benefits of having one, while also doing my daily transactions with peace of mind.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.

References

Google Play Store

App Store
‎ABN AMRO Creditcard on the App Store

ABN Amro Credit Card

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