ABN Amro Bank Titanium one Card Review

ABN Amro Titanium one Card is designed for shoppers and has features like Cash Back which results in bulk savings when you are out there shopping. Though the feature is the backbone of any shopping card, it is the Cash Back percentage and the amount which results in Cash Back is of actual importance. In the case of ABN Amro Titanium one Card the Cash Back percentage is extremely lower resulting in just 1% for purchases upto Rs 5000. For purchases above Rs 5000 the Cashback percentage gradually increases. This extremely lower offering is consolidated by an additional feature called Cash Back Boosters offering special days for additional Cash Back. Thus the feature instead of a boon might just be a hindrance in the card’s success.

The card lacks several features along with Reward Points program. The card has no specific Reward Points program which is a must for any shopping card. Simply put for any shopping card to succeed in the market it should have a healthy Cash Back and Reward Points program and ABN Amro Titanium one Card is a disappointment in both.

On the contrary the Card has a Joining fee of Rs 500 and an Annual fee of Rs 2000 making it one of the costliest shopping cards on offer. Though features like premier Golf course access (usually not offered in shopping card) tries to justify its high cost yet the card falls short on many grounds.

The card when compared to other shopping cards like Standard Chartered Super Value Titanium Credit Card and SBI Gold and More Card is extremely high on charges and low on offerings. Also the interest rate charged on the card is 3.5% p.m. which again is higher in comparison to the other two cards.