Abn Policy

Policy Refresher – Credit Cards
POLICY REFRESHER
October - 06
Version- 22.1
Dated 03/10/06
Table of Contents:
1.0 OVERVIEW OF CARD FEATURES......................................................................................................................................................2

1.1 Product Credit Standards:.....................................................................................................................................................................2
1.2 Verified Income Programme – Income Multipliers .............................................................................................................................4
2.0 UNDERWRITING STANDARDS .........................................................................................................................................................6
2.1 Classic Cards ........................................................................................................................................................................................6
2.2 Gold Cards............................................................................................................................................................................................7
3.0 MULTIPLE CARD POLICY...................................................................................................................................................................8
4.0 List of Credit Card Product Programs......................................................................................................................................................9
5.0 Documentation and Verification ............................................................................................................................................................10
6.0 Non Target / HRP Profiles .....................................................................................................................................................................12
7.0 Negative areas.........................................................................................................................................................................................14
8.0 City Limits..............................................................................................................................................................................................14
9.0 Specific Guidelines for Processing Select Sectors.................................................................................................................................14
9.1 Software/IT Professionals...................................................................................................................................................................14
9.2 Insurance Professionals in Sales/Agency Management related functions..........................................................................................15
9.3 Government Organizations (Not Including PSU's)............................................................................................................................15
9.4 Educational Institutions......................................................................................................................................................................15
10.0 Relationship Rewards Pre-qualified Income program..........................................................................................................................16
11.0 Pre-approved Programs.........................................................................................................................................................................24
12.0 Staff Personal Credit Card Program.....................................................................................................................................................25
13.0 Staff Corporate Credit Card Program...................................................................................................................................................26
14.0 Card for Card Policy Surrogate Program..............................................................................................................................................27
15.0 Visiting Card Policy Surrogate credit card program............................................................................................................................31
16.0 Club Membership Policy Surrogate Program.......................................................................................................................................31
17.0 Life Insurance Program........................................................................................................................................................................31
18.0 Doctors Policy Surrogate Program.......................................................................................................................................................33
19.0 Loan Repayment Track Record Policy Surrogate Program..................................................................................................................34
20.0 Charge Slip Income Surrogate Program...............................................................................................................................................36
21.0 Corporate Card Program.......................................................................................................................................................................37
22.0 Secured Credit Card Program...............................................................................................................................................................38
23.0 CEDP Card program.............................................................................................................................................................................39
24.0 Co-origination Programmes .................................................................................................................................................................40
25.0 Co- Branded Cards ...............................................................................................................................................................................43
1.0 OVERVIEW OF CARD FEATURES

1.1 Product Credit Standards:
1. APPLICANT For Individuals who are:
CATEGORIES • Salaried (employees of CAT A, CAT B & CAT C companies). Classic cards applications will
not be sourced from employees of CAT C companies under the Verified Income Program.
• Self Employed Professionals (SEP).
• Self Employed Businessmen (SEB) will not be sourced through the Verified Income
Program.
• Students / Retired Individuals / Housewives (Secured Credit Cards only)
Applicants may be individuals who are resident Indians, foreign nationals resident in India or
Non-Resident Indians (Secured Cards).
2. SELF EMPLOYED – Individuals having the following educational qualifications would be eligible for Credit Cards:
PROFESSIONALS:
ACCEPTABLE  Doctors : Qualified Doctors – MBBS or Higher
QUALIFICATIONS
 Dentists : Qualified Dentists – BDS or Higher
 Chartered Accountants : ACA/FCA with Certificate of practice
 Architects : Qualified Architects : B.Arch or Higher
3. CREDIT LIMITS • Classic Card Rs.15,000 to Rs.150,000

• Gold Card Rs. 40,000 to Rs.300,000
Maximum of Rs.500,000 for corporate cards, employee corporate cards, private clients, charter
member & VGPB.
Exceptions may be approved upto Rs.1,000,000 for Gold cards and Rs.200,000 for Classic cards
with approval of Head - Consumer Risk Management or Head - Unsecured Policy.
Note:
• Add-on card credit limits are within the overall personal card limit
• Credit limits are being assigned only in multiples of Rs.000’s and rounded off to the
nearest upper thousand figures.
4. ADD-ON CARDS Add-on cards may be issued in the name of the primary cardholder and to immediate family
members such as:
• Spouse
• Children (age 15 years and above)
• Siblings (brothers / sisters)
• Parents
The primary card must be valid and current for add on cards to be issued. The maximum number
of add on cards per primary card is five.
5. MAXIMUM EXPOSURE Each card member is allowed to have a maximum of two personal primary card accounts
PER CARD MEMBER (excluding personal loan on card). Card member can additionally have one corporate card.
AND MUE Overall, a card member may have a maximum of three card accounts. The aggregated credit
limits are subject to income multiplier norms relevant to the specific product and borrower
category.
The maximum unsecured exposure (MUE) on a customer would be as follows
• Verified Income Program – Salaried Cat A – Rs.1,000,000
• Verified Income Program – Salaried Cat B – Rs.750,000
• Verified Income Program – Salaried Cat C – Rs.300,000
• Verified Income Program – Self Employed Businessmen – Rs.500,000
• Verified Income Program – Professionals – Rs.1,000,000
• Surrogate Programs – Rs.850,000
• Relationship Reward Program – Rs.850,000
• Combined card exposure of Rs.500,000 for all customers except customers from Pre-
approved and Invite Programs.
MUE across personal cards (combined card limit) & personal loans (term or overdraft) would be
restricted as per above.
Note: MUE across cards shall apply to personal cards and not for corporate cards.
6. TARGET MARKET At present ABN AMRO Bank Card acquisition is permitted in 22 cities. This maybe expanded in
2006
Salaried and self-employed individuals residing in any of the following locations:
North: Delhi, Chandigarh, Ludhiana, Jaipur, Lucknow, Kanpur, Jalandhar
South: Chennai, Hyderabad, Bangalore, Coimbatore, Cochin, Vizag, Mangalore.
West : Mumbai, Pune, Baroda, Ahmedabad, Surat, Nasik, Nagpur.
East : Kolkata
Note: These are the existing 22 cities where ABN AMRO Bank card acquisition is permitted. This
may be expanded to 30 cities with the approval of Head Consumer Risk Management and Head –
Card Business.
7. EXCEPTIONS & Approvals deviating from the parameters specified on the Product Program and Credit Bulletins
OVERRIDES would be treated as exceptions and overrides, respectively.
Such deviations would be capped as a percentage of the total approvals as given below and would
be tracked on a monthly basis.
Exceptions: 10% of approvals
Overrides: 10% of approvals
8. Listed CAT A/B Cos Every company has to be separately listed – Subsidiaries / sister concern
under parent name are not acceptable .
Units / Divisions of listed cos are acceptable subject to -If the salary slip
clearly mentions unit / division and this unit / division is not a separate legal
entity (Pvt ltd / ltd), we should be able to process such applications under the
Parent co name
In case a co is listed for a specific City – Can be accepted on PAN INDIA basis.
1.2 Verified Income Programme – Income Multipliers

1. VERIFIED The credit limit multiplier by gross monthly Income for different type of credit cards is as
INCOME PROGRAM follows:
Classic credit cards
Gross Monthly Income (Rs.) CAT A & B
>10,000 to 25,000 2.00
> 25,000 2.50
Classic credit cards

Gross Monthly Income (Rs.) Self Employed Professional
10,000 to 15,000 1.50
>15,000 to 25,000 2.00
Over 25,000 2.50
Gold credit cards

Gross Monthly Income (Rs.) Salaried Salaried
CAT A CAT B
15,000 to 30,000 3.0 2.5
Over 30,000 3.5 3.0
Gold credit cards

Gross Monthly CAT C Self Employed
Income (Rs.) Professional
16,667 to 20,000 Not applicable 2.50
>20,000 to 30,000 2.00 2.75
Over 30,000 3.00 3.00
No limit or card type change under CAT C and Self employed Professional – Open market Programmes
2.0 UNDERWRITING STANDARDS
2.1 Classic Cards
Credit Criteria Salaried Individuals Self Employed Professionals Self Employed
Business
Cat ‘A’ Cat ‘B’
1. Age - Minimum 25 years (21 years for 25 years (21 years for 25 years (21 years for acquisition 25 years (21 years for
acquisition under acquisition under under Relationship Rewards and acquisition under
Relationship Rewards, Relationship Rewards, Card for Card Program and 18 Relationship Rewards
CEDP and Card for Card CEDP and Card for years for Secured Card) and Card for Card
Program and 18 years for Card Program and 18 Program and 18 years
Secured Card) years for Secured Card) for Secured Card)
2. Age - Maximum 70 years 70 years 70 years 70 years

3. Current Residence 1 year * in same city 2 years * in same city 2 years in same city of residence, 2 years in same city of
stability in same city / (*) If the length of current (*) If the length of of which 1 year must be at the residence, of which 1
location employment exceeds 2 current employment same place of residence. year must be at the
years, then this criterion exceeds 3 years, then same place of
is deemed as met. this criterion is deemed residence.
as met.
4. Current Business / 1 year 1 year 3 years in the same profession 3 Years in the same
Profession or Employment business
(same company)
experience [minimum] 2 years 3 years
OR
Total Employment
Rs.240,000 per annum Rs.240,000 per annum
Experience [minimum]
OR
INCOME
5. Telephone Residence or Office Residence or Office Residence and Office Residence and Office
Requirements
6. Negative File check / No adverse status No adverse status No adverse status No adverse status
Credit Bureau check
7. Minimum Income 120,000 per annum 120,000 per annum 120,000 per annum NA – Not eligible
(Rs.) under Verified Income
Program
8. Income definition Gross Taxable income of Gross Taxable income Gross Taxable income of the NA – Not eligible
the applicant of the applicant applicant under Verified Income
Program
2.2 Gold Cards
Credit Criteria Salaried Individuals Self Employed Self Employed

Professionals Business
Cat ‘A’ Cat ‘B’ Cat ‘C’
1. Age - Minimum 23 years (21 years 23 years (21 years 23 years (21 years for 25 years (21 years for 25 years (21 years
for acquisition for acquisition acquisition under acquisition under for acquisition
under Relationship under Relationship Relationship Relationship Rewards under Relationship
Rewards, CEDP Rewards, CEDP and Rewards, CEDP and and Card for Card Rewards and Card
and Card for Card Card for Card Card for Card Program and 18 years for Card Program
Program and 18 Program and 18 Program and 18 years for Secured Card) and 18 years for
years for Secured years for Secured for Secured Card) Secured Card)
Card) Card)
2. Age - Maximum 70 years 70 years 70 years 70 years 70 years
3. Current Residence 2 years * in same 3 years * in same 3 years in same city 3 years in same city of 3 years in same city
stability in same city / city city residence, of which 1 of residence, of
location (*) If the length of (*) If the length of year must be at the same which 1 year must
current current employment place of residence. be at the same place
employment exceeds 3 years, of residence.
exceeds 3 years, then this criterion is
then this criterion is deemed as met.
deemed as met.
4. Current Business / 2 years 2 years 2 years 3 years in the same 3 years in the same
Profession or profession profession
Employment (same
company) experience
[minimum] 3 years 3 years 3 years
OR
Total Employment
Rs 300,000 per Rs.300,000 per NA
Experience
annum annum
(minimum)
OR
INCOME
5. Telephone Residence and Residence and Residence and Office Residence and Office Residence and
Requirements Office Office Office
6. Negative File No adverse status No adverse status No adverse status No adverse status No adverse status
check / Credit Bureau
check
7. Minimum 180,000 per 180,000 per annum 240,000 per annum 200,000 per annum NA – not eligible
Income(Rs.) annum under Verified
Income Program
8. Income definition Gross Taxable Gross Taxable Gross Taxable income Gross Taxable income NA – not eligible
income of the income of the of the applicant of the applicant under Verified
applicant applicant Income Program
3.0 MULTIPLE CARD POLICY
A cardholder may apply for another primary card or the business may, based on the performance of the existing account,
either issue another card at the same level or upgrade the existing card. When a cardholder applies for another primary card,
the cardholder must meet the following criteria over and above the other criteria’s as mentioned in the eligibility criteria.
1. Month on books (MOB) for the existing card should be nine months payment record.The existing card should be
current (in case in X days / P Block , average limit utilization to be less than 50% and Average Payment to Outstanding
ratio to be more than 50%) and open & within limit at the time of application of a new card.
2. The existing card should not have been >= 30 days past due on more than one occasion and never 60 dpd during the
last nine months and never in 30 dpd in the past six months
3. The maximum (sum) amount of Credit limit across cards will be as defined in this policy document. The amount of
credit limit will be defined based on the income and the product type.
4. The application for the second card can be through only one of the programs mentioned below:
• Verified Income Program.
• Relationship Reward program (Pre-qualified)
• Card for Card Program.( Card number to be different )
• Repayment Track based program.
5. For ‘pro-active’ second card issuance (where the bank issues a second card to the customer based on his performance),
the new card would be issued with a credit limit equivalent to 50% of the limit on the existing credit card and the cash limit
would be equivalent of 50% of the credit limit on the second card.
A customer who is offered and accepts a second card through this proactive route would not be eligible for a Proactive
Limit Enhancement at that stage of performance based eligibility.
6. Applicants who have availed of Limit enhancement through the limit enhancement program or have availed of a
Personal loan on credit card in the previous 6 months will not be eligible for a multiple card.
7. In instances where the customer applies for a second card, credit limits would be assigned based on the document given
by the customer along with the application form and would be independent of the limits on the first / existing card.
8. The second card would be treated as a separate account and would be eligible for post account set-up engagements
(such as limit enhancements, cash limit enhancements, balance transfers, payment holidays, etc.) independent of the first
card
Note: A card member can have a maximum of 2 primary personal cards and 1 Corporate card from ABN AMRO Bank.
4.0 List of Credit Card Product Programs
No. 1 2 3 4 5 6 7
Verified Relationship Income Co-
Income Reward Pre-approved Policy Surrogate Surrogate origination Special
Programs Program Programs Programs Programs Program programs
Charter
Members,
Charge Slip Preferred &
RR - Savings Luxury / Super Income Verified Diamond
Accounts premium Auto Card For Card Surrogate income Banking
1 CAT A Relationship Loan Customers Program Program Program Customers
Pre-approved
program for loan
RR - Current repayment track Visiting Card
Accounts record customers Policy Surrogate Card for Corporate
2 CAT B Relationship of personal loans Program Card Card Program
Corporate
Premium Club Employee
Self Pre-Approved Membership Relationship Deposit Program
Employed RR - TCD Program For Home Policy Surrogate Rewards - (Cedp) Card
3 professional Relationship Loan Customers Program Auto Program
Life Insurance
CAT C – Premium Policy Relationship
Only Gold RR - LAS Surrogate Rewards – Max Co-Brand
4 cards Relationship Program Deposit Credit Card
Program For Pre-
Doctors Employed Approved
/ Consulting In Program For
RR - Autoloan Hospitals / Home Loan Personal Loan
5 Relationship Nursing Homes Customers On Credit Card
Credit Card For
Loan Repayment
RR - Personal Track Record
Loan Policy Surrogate Multiple Secured Credit
6 Relationship Program Card Policy Card
RR - Personal Pre-
Revolving Line approved
& Auto program for
Overdraft loan
Relationship repayment
track record
customers of
personal
7 loans
8 RR - Wealth
9 RR - Insurance
5.0 Documentation and Verification
Salaried Self Employed
CAT A CAT B CAT C Professionals
Type of Data
1. Income Latest Income Tax Return
- - Latest Income Tax Return Latest ITR (or - Latest Income Tax
(Any one copy acknowledged by copy acknowledged by ITO ITO) Return
of) ITO - ITO Assessment Order - ITO Assessment
- ITO Assessment Order - Photocopy of Form 16 Order
- Photocopy of Form 16 - Photocopy of Form 16 AA
- Photocopy of Form 16 AA - Promotion Letter with
- Promotion Letter with Salary details
Salary details - Appointment Letter with
- Appointment Letter with Salary details
Salary details - Monthly Payslip (certified
- Monthly Payslip (certified by Authorised Signatory
by Authorised Signatory under office seal or stamp)
under office seal or stamp) - Computerised pay slip with
- Computerised pay slip with Company logo
Company logo. - Annual / Monthly Salary
- Annual / Monthly Salary Certificate (on the company
Certificate (on the letter-head certified by the
company letter-head authorised signatory under
certified by the authorised office seal/stamp)
signatory under office
seal/stamp)
2. Residence Agency Visit Verification Agency Visit Verification Agency Visit Agency Visit Verification
address Verification
3. Employer Not Required Agency Visit Verification Agency Visit Agency Visit Verification
/ Office Verification
add.
4. Telephon Telephone Verification Telephone Verification Telephone Telephone Verification
e at (WLL or Mobile is (WLL or Mobile is acceptable Verification (WLL or Mobile is
Residence acceptable for residence for residence phone) (WLL or Mobile acceptable for residence
and phone) is acceptable for phone)
Office residence phone)
• Financial statement / IT Returns Acceptability - AY 2005-2006 and above or Financial Year 2004-2005 and above
• Promotion Letter with Salary details ( Not more than 60 days old )
• Appointment Letter with Salary details ( Not more than 60 days old )
• Monthly Payslip (certified by Authorised Signatory under office seal or stamp) -( Not more than 60 days old )
• Computerised pay slip with Company logo. ( Not more than 60 days old )
• Annual / Monthly Salary Certificate (on the company letter-head certified by the authorised signatory under office
seal/stamp) ( Not more than 60 days old )
• For service providing companies like Reliance, Hutch, Touchtel etc, it is natural that they use
their own services.-We accept telephone numbers of landline/WLL/Fixed wireless connections
for office numbers.
Notes : Offer letter can be accepted for CAT A /B cos on exception basis
Only under GOLD PFC Channel- Two month’s payslip along with three months bank statement can be
accepted for CAT C on exception basis
Income Types & Components
Eligible income types / components Eligible income types / components

SALARIED SELF EMPLOYED
1. Income from Salary 100% 1. Income from Profession 100%
2. Income from Property / Rentals 33% 2. Income from Salary 100%
3. Income from Other Sources 33% 3. Income from Property / Rentals 33%
4. Incentives/Commissions 33% 4. Income from Other Sources 33%
Ineligible income types / components Ineligible income types / components

SALARIED SELF EMPLOYED
1. Agricultural Income 1. Agricultural Income
2. Speculative Income 2. Speculative Income
3. Capital Gains - both long and short term 3. Capital Gains - both long and short term
4. Arrears/Ex-gratia/Bonus
5. Overtime/Retirals
6. Medical reimbursements
7. Travel/Conveyance reimbursements
Verification Matrix Specific to Programs
Program / Occupation Category Office Verification Residence Verification Telephone Verification

Verified Income Programs Yes (Except Cat ‘A’ companies) Yes Yes
Income Surrogate Programs Yes Yes Yes
Policy Surrogate Programs Yes Yes Yes
Pre-qualified Cross Sell Programs No No No
Charter Member Programs No No No
Card for Card Program No Yes Yes
VGPB Card Programs No No No
Corporate Program No No Yes
CEDP Card Programs No Yes Yes
Document attached in Vernacular language
Income document attached in vernacular language will be accepted only if the same can be translated and understood
by the underwriting team else it will be declined.
• If the customer’s signature on the application form is in a vernacular language, he must attach a Vernacular
indemnity form along with application. The same needs to be complete with respect to Applicant’s signature, witness
signatures, name and address. Witness must not to sign in Vernacular. A Sales executive cannot sign as a witness.
Client Identification, Documentation and Verification Process
All applications processed should have photo-ids which have been 'original seen and verified' by the sourcing team. This is
not applicable for Pre-qualified and Co-origination cases.
Following documents are acceptable ID’s :

a) PAN Card photocopy
b) Passport
c) Driving License
d) Voters ID Card
e) Ration card with photo
e) Any id card provided by a statutory / government body, i.e., an id card provided by Post Office / any other
government department like
a. Armed forces ID card
b. CBI / Ministry
c. Central Govt. Health Scheme cards
The applicant's current address may not match with the address on the ID proof.
The above requirement is not applicable to Pre-qualified program and Co-origination programs.
6.0 Non Target / HRP Profiles
The segments that the business considers are non-targeted for card sourcing and issuance. The segments have been
categorised as Category ‘A’ and Category ‘B’ profiles.
An applicant in Category ‘A’ would be declined with the exception of applications under the Card for Card program
and Pre-qualified programs. An applicant in Category ‘B’ would be processed based on the overall profile of the
applicant.
Category A Profiles
Salaried Self-Employed
1. Police Officials / Politicians 1. Artists from film industry / film producers / film financiers.
2. Employees of Collection & Repossession Agencies, Sales & Marketing 2. Owners of Collection & Repossession Agencies, Sales &
agencies of financial services, verification agencies Marketing agencies of financial services, verification agencies.
Owners of associates of ABN AMRO Bank may be issued cards
3. Employees of small courier companies and private security agencies
on a selective basis. Such issuance would be restricted to one
4. Employees of plantation companies & aqua culture companies owner / partner per associate
5. Employees of Local cable operators (excluding national players like Siti 3. Owners of proprietary courier companies and private
Cable etc) and STD/PCO booth operators security firms.
6. Employees of Chit fund / Nidhis / Credit Societies / Financial Co- 4. Owners of Bars & permit rooms & Wine shops, Beauty
operatives / Money Lenders Parlors, Saloons, Fitness Centers
7. NBFCs / Financial securities firms outside the list of Cat ‘A’ & Cat ‘B’ 5. Plantation companies, Chit fund / Nidhi companies / Credit
companies. Societies / co-operatives/small NBFC's / money lenders/
financiers
8. Journalists / Advocates / Lawyers, excluding legal personnel working
with non-legal firms/companies 6. Journalist/Advocates/Lawyers
9. Employees of Government enforcement agencies, investigation agencies 7. Lottery Agencies, Tour and cab operators/small Travel
& bureaus (like CBI, RAW, CB CID excluding customs & excise) agents
10. Govt. employees in the non-management / non-officer levels including 8. STD / PCO booth operators, Cable Operators
non-commissioned defence services officers.
9. Real estate agencies/agents/brokers
11. Employees of partnerships and proprietorships
10. Owners of transport companies
12. Employees of transport companies (outside the list of Cat ‘A’ & Cat ‘B’
11. Builders, Government / Civil Contractors
companies)
12. Auto spare parts & accessories dealers
13. Employees of building and construction companies.
13. Financial securities brokers/Insurance agents / Financial &
14. Employees of Jewellers, except corporates involved in branded jewellery
Investment Consultants/ Financial Planning Advisors
like Tanishq, Oyzter Bay, De Beers etc
14. Jewellers
15. Employees of Beauty Parlours, Saloons, Fitness Centers
15. Self employed businessmen operating from same premises
16. Employees of overseas and small manpower consultants.
as residence.
17. Sales Executives/Field Officers/PFC’s working in Banks/Financial 16. Waste & Scrap Merchants and Owners of Iron & steel
Institutions.
workshops , grills and welding shops
17. Owners of overseas and small manpower consultants.
18. Owners of cyber cafes.
Category B Profiles
1. Employees of companies related to film industry None presently
2. Employees of small dot-coms and software companies and small call center co
3. Employees of companies engaged in granite / tannery leather / marine products
4. Employees of small time-sharing companies
5. Employees of small private limited companies
6. Financial Planning Advisors
7. Junior Resident Doctors of small hospitals
7.0 Negative areas

Negative areas are areas/localities in cities where a trend of default has been noticed /experienced due to the demography of
the population. The population will be residents of these areas.
A list of negative areas is provided. For all applicants, negative areas would apply only for residence. Applicants residing
in Cat ‘A’ negative areas would be declined while applicants residing in Cat ‘B’ negative areas would be processed on an
override basis the profile of the applicant
8.0 City Limits
City limits are specified for each city as the outer-most areas/localities from where sourcing of card applications would be
encouraged. The residence and work addresses of the applicants should be in these areas.
A list of acceptable pin codes is being provided. Areas with these pin codes are categorized as being within the city limits.
Applicants working in adjoining / peripheral industrial areas of the towns would be considered only if they are residing
within city limits of the sourcing locations currently prevalent.
 For Cat 'A' companies (sourced through any program) applications would be accepted if one of the locations
(residence or office) is within the city limits. Both Telephone numbers should be given (even for Classic Cards). PP
numbers would not be acceptable
 In Card - For - Card Program, irrespective of category (Salaried/Self-Employed), applications would be accepted if
one of the locations (residence or office) is within the city limits. Both Telephone numbers should be given (even
for Classic Cards). PP numbers would not be acceptable
 Applicants residing or working in Positive areas of Ghaziabad or Faridabad would be considered as within city
limits. List of positive areas is provided.
9.0 Specific Guidelines for Processing Select Sectors

9.1 Software/IT Professionals
The guidelines apply to the processing of card applications received from BPO’s / Software/IT Professionals residing in
PG/Bachelor accommodation/Shared accommodation. Applications received from applicants with the above profile would
be processed subject to the following:
 Applicant is employed with a company listed as a CAT A or CAT B Co.
 The Income is more than Rs. 240,000 for Classic card applicants and more than Rs. 300,000 for Gold card applicants.
 The Permanent address of the applicant is stated in the application form.
 A copy of the Office ID card is available.
 The proof of the permanent address of the applicant is provided.
 The application form is complete in terms of information-such as office telephone number, extension number,
department/Project name, mobile number, E Mail Ids etc.
9.2 Insurance Professionals in Sales/Agency Management related functions
The following criteria would be applicable for processing of applications from these applicants:
 Fixed Income of the applicant to be greater than Rs. 150,000 in case of Classic cards and greater than Rs. 240,000 for
Gold cards.
 Fixed Income would not include any incentives/commission that is reflected in the income document given by the
applicant.
 A contact with the customer should be established.
 The application form should be complete in terms of information such as telephone number, extension number.
9.3 Government Organizations (Not Including PSU's)

• Phone at Office AND Residence Mandatory
• Residence verification must be positive
• One physical verification and one phone verification must be positive (given the fact that entry to certain government
departments would be restricted)
9.4 Educational Institutions

• Sourcing to be restricted to teaching staff and senior administrative staff only
• Residence verification must be positive
• One physical verification and one phone verification must be positive
• Residence phone mandatory
10.0 Relationship Rewards Pre-qualified Income program
Credit card may be pre-qualified for existing ABN customers based on period of relationship and or credit history of
existing / matured loans with ABN AMRO Bank. The customer must be gainfully employed and must meet the minimum
age criteria for a Credit Card.
Pre-qualified database would be valid for a period of 45 days only. Information on application form would be matched
with the internal database. .
Deposit Relationship: Only Savings Accounts

1. Average Daily Balance on the deposit will be calculated basis the most recent 3 month period.
2. Regular credit parameters such as high-risk profiles, occupation and negative areas would not apply to pre-qualified
customers.
3. Verification requirements may be waived in case name and address details of the applicant match with the name and
address details on the cross-sell Bank database.
4. Further, only applicants meeting the following criteria would be considered ineligible and declined:
• Minimum age criteria not met
• MUE (Personal Loans and Cards exposure) would be as per parameters defined and approved through a
separate credit bulletin.
• Applicants are part of any internal or external derogatory bases in the possession of the bank or MCNF or
any Credit Bureau. .
• Multiple card policy criteria is not met
7. After the extraction of the qualifying database based on criteria 1 and 2, no checks would be done on Finacle for
account behaviour at the time of processing.
• Offered to individual customers only

• Minimum relationship period: Three months with the ABN AMRO Bank
• Minimum Average Daily Balance (ADB) calculated for the latest 3 months, of Rs.10,000 for Classic and Rs.30,000 for
Gold customers.
• Maximum credit limits of Rs.50,000 for Classic and Rs.100,000 for Gold.
Computation of Credit Limit: Credit limit to be assigned as per grid below

Average Daily Product Type Credit Limit
Balance
> = Rs. 10,000 Classic Card 2 X ADB subject to a cap of Rs.50,000
> = Rs. 30,000 Gold Card 2 X ADB subject to a cap of Rs.100,000
Deposit Relationship: Only Current Accounts

1. Regular credit parameters such as stability, high-risk profiles, occupation and negative areas would not apply to pre-
qualified customers.
3. Both Individual and Non Individual Accounts meeting the above criteria are considered eligible. In case of Non
Individual Accounts, the selected Sole Proprietor, Partner or Director will be given a card. The number of cards will be
restricted to one per account relationship. In case of Non Individuals, the application from the customer would have to
be supported by a declaration from the authorised signatory of the account stating that the applicant is the
Proprietor/Partner or the Director of the Company. The signature of the authorised signatory would be verified before
processing the application. Signature verification would be mandatory for all applications received from “ Non-
Individual” accounts.
• Applicants are part of any internal or external derogatory bases in the possession of the bank or MCNF or
any Credit Bureau.
7. The rest of the applicants would be considered as eligible and would be approved.
8. After the extraction of the qualifying database based on criteria 1 and 2, no checks would be done on Finacle for
• Offered to both individual and non-individual relationship customers. Card will be issued in the name of the
individual.
• Minimum relationship period: Three months with ABN AMRO Bank
• Minimum Average Daily Balance (ADB) for the last 3 months of Rs.25,000 for Classic and Rs.50,000 for Gold.

Average Daily Balance ( Last 6 months) Product Type Credit Limit
> = Rs. 25,000 Classic Card Rs. 50,000
> = Rs. 50,000 Gold Card Rs. 100,000
Auto Loan Relationship (Term loan or Overdraft Line)

1. Existing loan(s) and loans matured in the last 12 months where the applicant has never been in 30 dpd in the last 8
months and current at the time of loan approval are considered eligible.
2. For Auto loan overdraft accounts, the account must meet the following Credit parameters also:
• Overdraft account must be open / live.
• Limit utilization must be less than 90% of the assigned overdraft limit. Average limit utilization of last 6 months
would be used for the purpose of calculating payment to outstanding ratio.
• Payment to outstanding ratio must be greater than 10%. Average payment to outstanding ratio for the last 6 months
would be used for the purpose of calculating the payment to outstanding ratio.
3. Regular credit parameters such as stability, high-risk profiles, occupation and negative areas would not apply to pre-
qualified customers.
5. Both Individual and Non Individual Accounts meeting the above criteria are considered eligible. In case of Non
Individual Accounts, the selected Sole Proprietor, Partner or Director will be given a card. The number of cards will be
restricted to one per account relationship. In case of Non Individuals, the application from the customer would
have to be supported by a declaration from the authorised signatory of the account stating that the applicant is
the Proprietor/Partner or the Director of the Company. The signature of the authorised signatory would be verified
before processing the application. Signature verification would be mandatory for all applications received from “ Non-
Individual” accounts.
• Applicants are part of any internal or external derogatory bases in the possession of the bank
7. After the extraction of the qualifying database based on criteria 1 to 2, no checks would be done on Finacle for account
behaviour at the time of processing.
• Offered to both individual and non-individual customers. Card will be issued in the name of the individual only.
• Minimum loan relationship period of eight months
• Never 30+ dpd in the last 8 months

Type of Car Product Type Credit Limit
Standard Classic Card Rs.50,000
Premium Gold Card Rs.100,000
Super Premium Gold Card Rs.150,000
Luxury Gold Card Rs.200,000
TCD Relationship
customers.
• Account must not be over limit.
• Minimum relationship period – 12 months

• TCD current balance >= Rs.100,000 for Classic and TCD current balance >= Rs.300,000 for Gold
• Computation of Credit Limit: Credit limit to be assigned as per grid below:
TCD Current Balance Product Type Credit Limit

> = Rs.300,000 Gold Card Rs. 100,000
Loan against Securities (LAS) Relationship

customers.

• Applicants are part of any internal or external derogatory bases in the possession of the bank.
• Account must not be over limit.
• LAS overdraft limit >= Rs.100,000 for Classic cards and LAS overdraft limit >= Rs. 300,000 for Gold cards
• Never 30+ dpd in the last 12 months
Computation of Credit Limit: Credit limit to be assigned as per grid below:
LAS O/D Limit Product Type Credit Limit

> = Rs.300,000 Gold Card Rs. 100,000
Personal Loan Relationship ( Term and Revolving Lines)
1. Existing loan(s) and loans matured in the last 12 months where the applicant has never been in 30 dpd in the last 8
months.
2. For Personal Loan revolving lines, the account must meet the following Credit parameters also::
• Personal Loan revolving line account must be open / live.
• Limit utilization must be less than 90% of the assigned overdraft limit. Average limit utilization of last 6 months
would be used for the purpose of calculating payment to outstanding ratio.
• Payment to outstanding ratio must be greater than 10%. Average payment to outstanding ratio for the last 6 months
would be used for the purpose of calculating the payment to outstanding ratio.
3. Regular credit parameters such as stability, high-risk profiles, occupation and negative areas would not apply to
pre-qualified customers.
4. Verification requirements may be waived incase name and address details of the applicant match with the name and
The rest of the applicants would be considered as eligible and would be approved.
6. After the extraction of the qualifying database based on criteria 1 to 2, no checks would be done on Finacle for
7. Minimum EMI for a Classic Card must be Rs. 6,250 and Rs. 5,000 for a Gold Card.
• Minimum loan relationship of eight months.

• Never 30+ dpd in the last eight months
Computation of Credit Limit: (multiple of EMI)

Loan Amount Product Credit Limit
<Rs.150,000 Classic 4 x EMI subject to a minimum of Rs.25,000
and a maximum of Rs.50,000
>=Rs.150,000 Gold 8 x EMI subject to a minimum of Rs.40,000
and a maximum of Rs.100,000
Relationship Reward – Insurance
The bank has been focusing on selling Life Insurance product through its existing distribution network. The bank has a tie
up with AVIVA where policies underwritten by them are sold to existing and new customers of the bank. The bank will
now offer Gold Credit cards to such eligible customers.
1. This program will be applicable to new / fresh insurance policy acquisition and existing Policy holders acquired in
the previous 6 months. Only customers who have applied for a life insurance policy from AVIVA through the ABN
acquisition channel within the previous 6 months of credit card processing will be eligible.
2. No income document would be required under this program. Income criterion would be deemed to have been met
by virtue of being an insurance policy holder at pre-defined level of annual premium.
3. Credit criteria such as Employment Stability and Residence stability are also deemed to be met by the applicant. All
other credit criteria would have to be met by the applicant.
4. Only salaried individuals, self-employed business and professionals would qualify under this program. Other
categories like retired, housewives, students etc would not qualify.
5. Applicant must be gainfully employed.
6. Minimum age of the applicant must be 21 years.
customers.
8. The name, address and date of birth on the Credit card application form should match with the data
provided by the insurance company.
9. Physical and telephone verification will be conducted at both residence and office.
10. The proposer, insured and credit card applicant must be the same individual.

• Negative verification feedback
12. The rest of the applicants would be considered as eligible and would be approved.
13. Only AVIVA Life Insurance issued policy holders acquired through ABN Amro acquisition channel will be eligible
under this program.
14. Credit Cards under this program will be processed only in approved Credit Card locations.
15. De-activated cards would be sent to all Credit card eligible customers who have applied for new AVIVA Life
Insurance policy in the previous 30 days. Activation will be done only on receipt of confirmation of clear funds of
the premium amount.
Activated credit cards would be sent to policy holders who meet the credit standards for Credit Cards and have been
acquired by AVIVA in the previous 6 months and greater than 30 days. In such cases the customer must provide a copy of
the policy.
• This program targets customers who have purchased a life insurance policy through the Bank which is
underwritten by our insurance business partner (currently Aviva). Insurance customers with monthly premium
payment plans would not be eligible.
• Minimum premium amount paid – Rs.20,000
• Credit limit would be 2 X premium amount paid subject to a minimum of Rs.40,000 and maximum of
Rs.100,000
• Card type: Gold
Relationship Reward – Wealth
There has been a thrust in the Mutual Fund acquisition business. The bank is one of the largest fund mobilizes of Mutual
Fund. The bank will now offer Credit card to customers who have invested in Mutual Fund through ABN AMRO bank.
1. Only Mutual Fund new / fresh customers acquired by ABN Amro bank will be eligible under this program. Mutual
fund customer acquisition must have happened within a maximum of 30 days prior to the credit card processing
date.
2. The Mutual Fund application approved by the fund must be in the name of the individual Credit Card applicant.
3. Only approved AMC cases would be eligible for a Credit Card. Credit card application would be declined if the
applicant’s payment to the mutual fund has been dishonoured or the mutual fund application has been rejected for
any other reason.
4. Investment customers who opt for systematic investment plan ( SIP) will not be eligible.
5. The applicant must be gainfully employed
customers.
7. Physical and telephone verification will be conducted at both residence and office.

• MUE (Personal Loans and Cards exposure) would be as per parameters defined and approved through
a separate credit bulletin.
• Negative verification feedback
List of approved Mutual Funds is as follows:
a) ABN Amro Bank Asset Management (India) Limited
b) Reliance Capital Asset Management Ltd.
c) Prudential ICICI mutual Fund
d) HDFC Asset Management Company Ltd
e) Franklin Templeton Asset Management (India ) Private Limited
f) Fidelity Fund Management Private Limited
g) DSP Merrill Lynch Fund Managers Ltd.
h) Sundaram Asset Management Company Limited
i) Kotak Mahindra Asset Management Company Ltd.
j) Standard Chartered Asset Management Company Private Limited
k) HSBC Asset Management (India) Private Limited
• This program targets customers who have purchased a mutual fund through the Bank
• Minimum investment amount would be Rs.80,000 (systematic investment plans would not be eligible)
• Credit limit would be investment amount X 0.5 subject to a maximum of Rs.100,000.
• Card type: Gold
11.0 Pre-approved Programs
This bulletin defines the credit parameters for the sourcing and issuance of ABN AMRO Bank Credit Cards under the
following Pre-approved Programs:
Luxury and Super Premium Auto Loan Customers
• Offered to both individual and non-individual loan customers of Luxury and Super Premium Cars.
• Gold cards would be offered
• Credit limit of Rs.100,000 for Super-Premium car customers and Rs.150,000 for Luxury car customers
• All derogatory checks would be performed
Pre-Approved Programme For Home Loan Customers

• Offered to approved home loan customers
• Only the primary / first borrower of the housing loan would be eligible. Co-borrower would not be eligible.
• Credit limit would be assigned as per the following grid:
Computation of Credit Limit:

Sanctioned Loan Amount Product Credit Limit
(Rs.)
< 1 million Gold Rs.50,000
Rs.1 million up to Rs.2.5 Gold Rs.100,000
million
Rs.2.5 million up to Rs.5 Gold Rs.200,000
million
Rs.5.0 million and over Gold Rs.300,000
Pre-Approved Programme For LOAN REPAYMENT TRACK RECORD CUSTOMERS OF PERSONAL LOANS
• Offered to customers acquired by personal loan business through the Loan Repayment Track Record Program.
Computation of Credit Limit: (multiple of EMI)

< Rs. 150,000 Classic 4 x EMI subject to a minimum of Rs.25,000
and a maximum of Rs.50,000.
>= Rs.150,000 Gold 8 x EMI subject to a minimum of Rs.40,000
and a maximum of Rs.100,000.
12.0 Staff Personal Credit Card Program
Issuance of credit cards to employees of ABN AMRO Bank and its associate companies, ABN AMRO Equities, ABN
AMRO Corporate Finance, ABN AMRO Securities and ACES and to senior management staff of Lease Plan.
Two types of credit cards would be issued to employees
• Staff Personal Card
• Staff Corporate Card (Only to ABN AMRO Bank Employees)
• Limits to be governed by attached matrix based on the level of the employee in the organisation. Personal
Financial Consultants, who are part of ACES would be issued personal Classic Cards with limits of Rs.15,000
only after six months of joining. Clerical staff would also be issued Classic Cards with limits of Rs.15,000.
• Gold cards would be issued to employees in Grades J and above in ABN AMRO Bank and the equivalent
levels in the group companies. Classic cards would be issued to employees in Grades I and below in ABN
AMRO Bank and the equivalent levels in the group companies
• Contact Point Verification and other verifications/checks (de-dupe, MCNF etc) would be waived for employees
and their add-ons
• Officer trainees would be categorised under level ‘H’ and Management Associates would be categorised under
level ‘J’
AAB Grades AAE Levels AASI Grades AACF Levels ACES Band Credit Limits
(Rs.)
M & Above Director & M & Above Asst. Director, Director, Managing Band 5 & above 300,000
above Director
L Asst. Director L Senior Manager Band 4 150,000
J/K Manager J/K Manager Band 3 100,000
I Asst. Manager I Asst. Manager Band 2 50,000
H / Clericals N.A. H Secretary Band 1 25,000
PFCs * N.A. N.A. N.A. N.A. 15,000
(*) Only confimed PFCs or employees who have completed at least 6 months of tenure.
13.0 Staff Corporate Credit Card Program
• One Corporate Credit Card per eligible employee. Gold cards would be issued to employees in Grade L and above and
Classic cards would be issued to employees in Grade K.
• Corporate cards would be issued to employees in Grades J and below only upon recommendation/endorsement of
the Business Unit Head. This endorsement would have to be sent along with the application form for the corporate
card.
AAB Grades AAE Levels AASI Grades AACF Levels ACES Band Credit Limits
(Rs.)
M & Above Director & above M & Above Asst. Director, Director, Band 5 & above 500,000
Managing Director
L Asst. Director L Senior Manager Band 4 300,000
H N.A. H Secretary Band1 25,000

14.0 Card for Card Policy Surrogate Program
Applicants holding cards from the following list of Credit/Charge card issuers would be eligible to apply for an ABN
AMRO Bank credit card under this surrogate.
Sl.No Issuer
1. Citibank N.A. (Bankcards and Diners Charge)
2. American Express Bank (Credit Cards and Charge Cards)
3. Standard Chartered Bank
4. Hong Kong Bank
5. SBI – GE
6. ICICI Ltd. (Visa, MasterCard, Amex)
7. HDFC Bank
1) Credit criteria such as Employment Stability and Residence Stability are also deemed to have been met by the
applicant. All other credit criteria would have to be met by the applicant.
2) The following are specifically excluded from this program
i. Non-management Cadre
ii. Negative Areas Cat ‘A’
3) The latest original credit card statement (not more than 60 days old from the date of receipt of the application at the
Operations Processing Unit) and a copy of the front and back of the card are the required documents for this
program. Copies of the statement may be accepted in cases where original statements are not provided.
4) The customer can also provide E – Statement as an alternate to original or copy of statement.
E- statement under CFC Programme are acceptable for ALL Listed Issuers ( as regard to earlier where the same
was acceptable only for 3 Issuers ) - Take note of following :
• E- statement should be complete - All the 4 critical information is available- Complete 16 digit card
number, Customer name, Credit Card limit and address - OK for all LISTED Card issuers .
• E- statement is INCOMPLETE - Complete card number ( Only last 4 digits seen ) or Address not stated -
Accepted only if an original statement issued in the preceding 12 months is attached with application - Customer
name / Card number ( last 4 digits ) should match .
Address proof is not required with E-statements
5) The credit/charge card would have to be a primary/personal card and must be in the applicant’s name. This can be
evidenced through the copy of front and reverse of the card.
6) Add-on and corporate cards would not be eligible for this program.
7) Not delinquent or overdue – Copy of most recent statement required validating the same. In the event, there is a late
charge reflecting in the latest statement, the application may be processed with the following mitigants:
The customer must have an 18 month vintage on the other bank card
The preceding statement should not be reflecting any late payment charges.
8) Not more than 80% of the credit limit utilization on existing card.
9) Minimum credit card relationship of 6 months – Copy of the front and back portion is required along with the
application form.
10) Where the utilization is >80% and <=90%, the minimum vintage with the other issuer should be 18 months
11) Not a derogatory account as per bank or any other credit database.
12) Existing card limits should be greater than or equal to Rs.15,000 for a Classic card applicant and Rs.40,000 for a
Gold card applicant.
13) Employment and residence stability criteria will be deemed to have been met in this program.
14) Computation of Credit Limit: Credit limit will be assigned as 1.33 times the existing credit limit on
competition card.
15) For charge cards where no credit limits have been specified, credit limits would be allocated as per the following
grid
Charge Card Credit Limit Income to be datacaptured
Diners Credit Card Rs.100,000 Rs 75000
American Express Green Charge Card Rs. 50,000 Rs 37000
American Express Gold Charge Card Rs.100,000 Rs 75000
15) Under card for card, if the issuer is approved, we can do co-branded cards of the approved
issuer.
Satyam matches exception for :

CFC ( > 12 MOB)
Exception code to be used: MCNF Exception (EMB3)
Underwriting Guidelines :
 No declines under HRP Cat A and Overall profile (Judgmental)

 For NOT Interested Cases - If applicant is self met in any ONE VR , Confirms details himself- Needs to be
approved - even if in other VR'S states that he is not interested -No calls to be made to customer
 For cases > 80% credit limit usage , If the customer is transactor ( pays the o/s of previous month in
totality) and previous amount spent is > 40% of credit limit - Cases needs to be referred to Manager
 Refer Card Checks reverts - 100% mandatory -No application to be actioned
Office Verification - Under CFC programme, Office VR 's will not be conducted - VR grid that will be followed is - RV,
RPV AND BPV - For any application that is data captured from 25th April '06 onwards .
Following needs to be ensured :
 CFC database for card check reverts needs to be checked for every case ( Same as NOW ) .
 One landline and residence verification needs to be positive .
 VR Scenarios -
RV RPV BPV Outcome
Case I Confirmed Confirmed Confirmed Approve
Case II Confirmed Not Confirmed Confirmed Approve
Case III Confirmed Confirmed Not Confirmed Refer to Mgr
Case IV Not Conf Confirmed Confirmed Decline
Case V Confirmed Not Confirmed Not Confirmed Decline
Needs to be extra careful before declining any CFC application - In case of doubt - REFER Mgr
CFC – UW details Snapshot

CFC DB understanding:
CFC DB Comments Matrix
Comments Decisio Decline Override/ Exception
n Code Code
Currently OK Case ok
Now in X days Case ok CFC - X-DAYS
Card Usage 100% Case ok
Once in 30 dpd but currently OK Case ok CFC - RE-PAYMENT TRACK
Overlimit But Currently OK * Decline P44 CFC - OVERLIMIT
Card Usage More than 100%/ Overlimit * Decline P44 CFC - OVERLIMIT
Currently in 30 dpd or More Decline V27
Write off case / Chargeoff Decline V27
Case is …….( MORE THAN 30 dpd ) but currently Refer
OK Mgr CFC - RE-PAYMENT TRACK
Name mismatch as per Application and Database Decline F6
Limit mismatch - Limit Lower in DB vis a vis
Statement Decline F6
Limit mismatch - Limit HIGHER in DB vis a vis
Statement Case ok
Cases where Vintage is
taken 2 yrs default from
Address as per DB not matching with ANY address expiry date – Decline
on appln ** Decline P17 code to be used “ P34 ”
Tenure Mismatch- Tenure Lower in DB vis a vis
Card Copy Decline F6
Tenure Mismatch- Tenure Higher in DB vis a vis
Card Copy Case ok
• * Overlimit But Currently OK or Overlimit - Refer to statement attached - If previous O/S and
current O/s in Statement is < 80% - Case is OK
• Incase the address column on CFC db states" N " and NEW address is not stated then :
Incase new address is stated in DB – Not matching with Current Resi / Office address on appln –
Decline
Limit usage as per Card Statement attached:
For cases > 80% credit limit usage (Card age < 18 MOB), If the customer is transactor
( pays the o/s of previous month in totality ) and previous amount spent is > 40% of credit limit -
Cases needs to be referred to Manager.
Contactability Cases:
IF any CFC Application is likely to be declined for VR – Non-Contact ability, THEN
Positive Physical Residence Verification + One Landline / Mobile Contact-Approve (under override – Application
Verification Req OM06) – Phone exceptions also applicable in cases where one phone Wrong no / Doesn’t exist etc.)
Positive Physical Residence Verification BUT No landline Contact and No Mobile available – Decline
Satyam Exception:
MOB > 12 months – Exception code – EMB3
Satyam match reported by more than ONE issuer / > ONE Match – Refer the case to Manager
Negative DB Match :
External DB matches are processed further using an O/V Code - CFC - DEROG MATCH
Industry Defaulter as per VR – Process Further – O/V Code – CFC –DEROG MATCH
CIBIL Match Found – Negative History as per criteria defined – Decline – No exceptions
NMC profiles Relaxation
Re-classification of NMC categories (as per list below) to JMC for Cat-A and CFC Prog across all occupation categories
for Non IT/ITES industries.
JMC 1 Category Designation List for Category A Companies - Non IT/ITES industries
Sr No Designation
1 ACCOUNTS ASSISTANT
2 ASSISTANT
3 AUDIT CLERK
4 CAMERAMAN
5 JR ACCOUNTANT
6 JR EXECUTIVE
7 JUNIOR ASSISTANT
8 LAB TECHNICIAN / LAB ASSTT
9 NURSES
10 OFFICE CO-ORDINATOR
11 PASTOR
12 PERSONAL ASSISTANT
13 PHOTOGRAPHER
14 PRIVATE ASSISTANT
15 PRIVATE SECY (NON EXECUTIVE)
16 SENIOR ASSISTANT
17 SENIOR(SR.) CLERK
18 SPECIAL ASSISTANT
19 SUPERVISOR
20 TECHNICAL ASSISTANT
** Notes to above:
Above listed designations list will now be treated as JMC1 (Jr Mgmt cadre) and processed further till final credit appraisal
stage.
Only white collared NMC's are applicable, Shop floor blue collared staff is excluded.
Exception Code will be used at Policy Referral/Rejects queue stage as JMC - 1 OK TO PROCESS (EU03).
Above relaxation applies only to applications sourced from Cat-A companies and CFC sourcing.
Does not apply to IT / ITES (Call center/ BPO's) type industry.
15.0 Visiting Card Policy Surrogate credit card program
1. The program is open for salaried employees from an identified list of companies selected from the list of empanelled
companies (CAT A) for Credit Cards, subject to a maximum of 750 companies.
2. Only employees in Senior Management cadre of such companies would be offered credit cards under this program.
3. No income document will be required under this program. The visiting card of the applicant would be the only
documentation required under this program.
4. Visiting card attached should match with office details given on the application form by the customer , in case of
address or city mismatch the application needs to be declined .
5. Only Senior Management cadre applicants would be eligible for Gold Cards with limits of Rs.100,000.
6. The applicant level in the management hierarchy would be classified based on the list of designations published as part
of the Credit guidelines for Cards
16.0 Club Membership Policy Surrogate Program
1) Applicants should be members of clubs from the identified list of eligible clubs, categorised as Super Premium,
Premium and Regular clubs.
2) Applicants should be gainfully employed.
3) Applicants with primary membership would be eligible under this program. Dependent members would not be
eligible. Salaried applicants with Corporate Membership are also eligible
4) Copies of the membership card ( front & back) and the latest bill/statement (not more than two months old incase of
monthly statements) of the club would be the required documentation for the program. The bill should not indicate
any derogatory status, if available, indicated as 30 days or more past due .
5) In absence of latest bill / statement , WE DO NOT accept the club directory page received from sales along
with F&B of club card copy
6) Members of Regular Clubs would be eligible for Classic Cards with assigned limits of Rs.25,000 and members of
Super Premium & Premium Clubs would be eligible for Gold Cards with assigned limits of Rs.50, 000
17.0 Life Insurance Program
Applicants holding a Life Insurance Policy from the following list of Insurance Companies would be eligible to apply for
an ABN AMRO Bank credit card under this surrogate.
Sr. No. Insurance Company
1. Life Insurance Corporation of India (LIC)
2. HDFC Standard Life
3. Prudential ICICI
4. MetLife India
5. Max New York Life
6. TATA AIG
7. ING VYSYA
8. AVIVA Life Insurance
9. Birla Sun Life
10. OM Kotak Mahindra
11. SBI Life Insurance Co. Ltd.
12. AMP Sanmar
13. Allianz Bajaj
1) Only salaried individuals, self-employed business and professionals would qualify under this program. Other
categories like retired, housewives, students etc would not qualify.
2) Applicants who are life insurance policy holders would be eligible. All other forms of policies are excluded.
3) The applicant should be a policy-holder for at least 1 year.
4) The latest premium payment receipt needs to be submitted as documentation.
5) Default/delayed payment of the premium as evidenced on the premium receipt or otherwise would be considered
derogatory credit history.- Late payment charges in LIC receipt upto Rs 100 is acceptable
6) The name and address on the application form should match the address given on the latest premium payment
receipt. Address match maybe overridden with a proof of address.
7) The minimum annual premium for qualification is Rs.18,000 for a Classic Card and Rs. 30,000 for a Gold Card. An
applicant may club premiums from multiple life insurance policies to meet this minimum limit. All such clubbed
policies should meet the policy requirements stated above.
8) A standard credit limit of Rs. 25,000 would be offered would be offered on Classic Cards and Rs. 40,000 on Gold
Cards
18.0 Doctors Policy Surrogate Program
1. The applicant should be a registered and practising medical doctor, either at an established hospital / nursing home. (as
per list)
2. The applicant should have been practising for a minimum period of three years after gaining his MBBS degree or
should be an MD degree holder.
3. Only salaried or consulting doctors would qualify under this program.
4. The applicant should provide the following documentation
• a copy of the degree certificate (this may be waived to consultants in select hospitals)
and
• doctor’s letter head / visiting card evidencing employment / consulting contract with the hospital / nursing
home
5. Eligibility and limits would be as per the following grid
Eligibility Product Limit

MBBS with 3 years practice or MD Classic 50,000
MBBS with 7 years practice or MD with 5 years practice Gold 100,000

19.0 Loan Repayment Track Record Policy Surrogate Program
Applicants having personal loans, auto loans (only car loans) and home loans from an approved list of financiers would be
eligible to apply for an ABN AMRO Bank credit card under this surrogate. Matured / Closed loans will not qualify for a
Credit card under this program.
1. Only salaried individuals, self-employed business and professionals would qualify under this program. Other categories
like retired, housewives, students etc would not qualify.
2. Minimum length of relationship with the financier is 8 months and at least 8 EMI’s paid.
3. The applicant should provide the latest ‘statement-of-account’ of his loan account with the other financier as
documentation. In the absence of this, the applicant may provide the letter of loan disbursement issued by the financier
along with a copy of the bank statement of the account used for servicing the loan, showing the last 8 cheque clearances.
4. The applicant should be regular in the repayment of the loan and should never be 30+ dpd delinquent for the latest 8
months. The same may be evidenced through the documentation.
Personal Loans- Approved list of Financiers
Sl. No. Financier
1. Citibank N.A.
2. American Express Bank
3. HSBC
5. ICICI Bank
6. IDBI Bank
7. ING Vysya Bank
8. HDFC Bank Ltd.
9. Kotak mahindra Primus Ltd.
10. Kotak Mahindra Bank Ltd.

Auto Loans (Car Loans)- Aproved list of Financiers
Sl. No. Financier
1. Citibank N.A.
2. American Express Bank
3. HSBC

5. ICICI Bank
6. IDBI Bank
7. ING Vysya Bank
8. HDFC Bank Ltd.
9. Kotak mahindra Primus Ltd.
10. Kotak Mahindra Bank Ltd.

Home Loans
Approved list of Financiers
Sl. No. Financier
1. Citibank N.A.
2. HSBC
4. ICICI Bank
5. IDBI Bank
6. ING Vysya Bank
7. LIC Housing Finance Ltd
8. Sundaram Home Finance
9. Tata Finance Limited
10. HDFC Ltd
Personal Loan Customers
Credit limits would be assigned as per the following grid:

< Rs. 250,000 Classic 4 x EMI subject to a minimum of Rs.15,000 and maximum of
Rs.50,000
>=Rs. 250,000 Gold 6 x EMI subject to a minimum of Rs 40,000 and maximum of
Rs.100,000
Auto Loan Customers
<= Rs.400,000 Classic Rs.50,000
> Rs.400,000 Gold Rs.100,000
Home Loan Customers
Loan Amount (Rs.) Product Credit Limit
Less than Rs.1 million Classic Rs 25,000
From Rs.1 million to Gold Rs.50,000
Rs.5 million
Over Rs.5 million Gold Rs.100,000
 Clarifications under OFTR- Other Financial Loan track Programme :
* Loan is closed/ paid off with other financier - Decline

* Regular cheque bounces/ charges reflecting- however cheque cleared on some other date - Decline
* Overdue charges reflecting in the statement - Decline
* EMI varying on monthly basis - EMI has to be of same amount across months.
* Last EMI repayment not reflecting - Record pertaining for other months- 1 month old EMI clearance acceptable
e.g In the loan account statement - PDC gets cleared 5th of every month . Application is received in the month of Feb
wherein the :
Scenario 1) Last cheque clearance pertains to Dec 2005 ( as evidenced from docs attached) - Not o.k.
Scenario 2) Last cheque clearance pertains to Jan 2006 - o.k.
Scenario 3) Last cheque clearance pertains to Feb 2006 - o.k.
20.0 Charge Slip Income Surrogate Program
Self employed business or self employed professional applicants holding credit cards from the following list of
Credit/Charge card issuers would be eligible to apply for an ABN AMRO Bank credit card under this surrogate.
Sl.No Issuer
1. Citibank N.A. (Bankcards and Diners Charge)
2. American Express Bank (Credit Cards and Charge Cards)
4. Hong Kong Bank
5. SBI – GE
6. ICICI Ltd.
7. HDFC Bank
1. The following are specifically excluded from this program
• Salaried
• High Risk Profiles – Category ‘A’
• Negative Areas Cat ‘A’
• Negative database match
2. The charge-slip of an approved transaction is the acceptable documentation under this program subject to the
following conditions:
• The charge-slip should be in original – photo-copies would be considered ineligible
• Chargeslip swiped outside India will not be acceptable.
• The charge-slip should be legible and should be signed by the customer
• Minimum value of the transaction is Rs.500.
• The charge-slip should not be more than 30 days old (not more than 30 days old from the date of receipt of
the application at the Operations Processing Unit)
For all applications under this program, a mobile phone will be mandatory in addition to existing residence / office
telephone requirements specified in the Product Program. The existence of the mobile phone will be verified by the agency
3. The applicant will be required to provide evidence of being an existing card member for at least six months in the
books of the card issuer. This can be substantiated in the form of a photocopy or imprint of the credit card which
reflects member since information or by providing an alternate proof like copy of an old card statement.
4. Not a derogatory account as per bank or any other credit database
5. The credit limit for an approved card would be set at Rs. 50,000 on Gold Cards of Other Banks. A list of eligible
BINS would be circulated as part of the Guidelines. Classic cards will not be issued under this program.
6. The name on the charge-slip and the application form should be the same.
7. The signature on the charge-slip should match the signature on the application form.
8. Charge Slip swiped outside India is not acceptable.
9. OCL policy is not applicable in Charge slip program.
10. Salaried CAT A/ B / C – Cases to be declined under Chg slip programme – P41- C-Slip Salary segments
Even designations like Director / Managing Directors etc - Will be treated as Salaried - Declined
11. CHARGESLIP attached confirms " Merchant Copy” - Will be accepted - Confirm that the Card is in applicant's
Name
12. Chargeslip Sign Policy for sign truncation-customer should sign on the face of the charge-slip and this signature
should match the original signature on the charge-slip / customer should sign behind the charge-slip and this signature
should match the customer's signature on the application form
13. Charge slip swipped at employers/ same business address to be declined
14. Charge slip conf Sales offline -To be declined
21.0 Corporate Card Program
Product Description Credit cards

ELIGIBLE APPLICANTS Employees of Select Corporates categorised as A++ and A+ companies.
Broadly the composition of these corporates would be from the following
• Select Multinationals / Subsidiaries / Joint Ventures of Fortune 500 (US)
• Select companies ET 500 (India)
• Select companies with WCS Lending Relationships
• Select UN Bodies
• Select Embassies/Consulates
• Select Foreign/Private Banks, Consultancy Companies, Airlines, Hotels, Advertising
Agencies, Educational Institutions, Financial Institutions, FIIs etc
• Key Business Partners/Associates of the Bank like Advertising/Marketing
Companies, PR Agencies, Technology Service Providers etc.
• Select corporates with a Private Banking relationship.
TYPE OF CARD Gold Card and Classic cards
CREDIT LIMIT Credit limits would be determined by the company category and level of the employee in the
organization.
MAXIMUM CARD LIMITS Category Gold Card Classic Card
Product Description Credit cards
A++ Rs.500,000 Rs.200,000
A+ Rs.300,000 Rs.100,000
CREDIT APPROVALS & SOURCE Head – Consumer Risk Management or Head – Unsecured Policy would approve the
OF ACQUISITION empanelment of companies and limit levels under this program.
Employees of such companies may be sourced through normal acquisition channels.
Underwriting Standards for eligible employee would be specified through a credit bulletin.
Income documentation requirements may be waived based on the corporate categorisation. However, income
documentation would be substituted by a certification on the application form by the Admin/HR departments validating the
information given in the application form or by a company certification issued by the Admin/HR departments containing
the following fields:
• Employee code (if available)

• Employee name
• Designation
• Gross Salary
• Number of years with the company
• Office telephone number with extension
• Confirmation of Management Cadre
• Office address
• Mobile Number (if available)
• E-mail id (if available)
Category A++ Category A+

Income Certified List in the given format / endorsement Certified List in the given format / endorsement
documentation by authorised signatory. by authorised signatory.
Residence Stability Nil Nil
Employment Stability Nil 1 year with the employer for Gold Cards
Telephone Office and residence Office and residence
requirement
Minimum income As per product requirement As per product requirement
requirement
Negative file checks To be Checked To be Checked
Verification Office or residence tele-verification only Office or residence tele-verification only
Designation Only management cadre Only management cadre
Age Requirement Classic - 25 – 70 Years Classic - 25 – 70 Years
Gold – 23 – 70 Years Gold – 23 – 70 Years
22.0 Secured Credit Card Program

This bulletin defines the criteria and parameters for the issuance of Credit Cards under the Secured Credit Card Program.
1. The applicant need not be gainfully employed for applying for a credit card under this program.
2. Applicant’s age must be > 18 years at the time of application.
3. The application must meet the multiple card policy criteria.

4. MUE criteria will not be applicable under this program.
5. MCP Policy is applicable

6. Satyam matches NOT to be declined .Satyam exception code to be used- MCNF -Exception EMB3
7. The customer must have a fixed deposit with the Bank. The minimum deposit value is Rs.20,000 for a Classic Card and
Rs.50,000 for a Gold Card.
8. 90% of the value of the Rupee fixed deposit would be assigned as the credit limit on the credit card
9. For FCNR accounts, 85% of the value of the fixed deposit would be assigned as the credit limit on the credit card.
10. A report will be generated on a monthly basis which will provide deposit amount in foreign currency and local currency
at the time of booking deposit and at the time of report generation. Banking PIBI will circulate a report to risk on a
monthly basis. The deposit value in local currency will be on a mark to market basis. Collection will take appropriate
action on the Credit card account if the drop in the deposit value is > 5%.
11. A lien would be marked on the fixed deposit towards any outstanding on the credit card. The lien may be released only
upon an approval from Cards Risk Management team. There would be a minimum of 15-day waiting period between
the closure of the card account and the release of the lien on the fixed deposits.
12. Non - resident Indians (NRIs) may apply for a credit card under this program, subject to satisfying all of the above
conditions. All payments made by NRIs towards their credit card dues must be from their NRE / FCNR / NRO accounts
held with the Bank. Hence for NRI applicants, auto debit instructions on an NRE / FCNR / NRO accounts with ABN
AMRO Bank are mandatory.
23.0 CEDP Card program

1. The applicant’s employer should be part of the list of CAT A or CAT B CEDP companies.
2. Any additions to this list may be proposed by Sales and Marketing and would have to be approved by Head – Cards
Risk Management.
3. The CEDP relationship with the bank must be a Limited company. The CEDP company must be duly approved by
operations and the customer must comply with the KYC norm of the bank. The Company must meet the following
criteria for empanelment.
CRITERIA CAT A CAT B

No. of active accounts in a CEDP >5 > 10
ADB for employee a/c's > Rs. 25,000 > Rs. 15,000
Month on books > 6 months > 12 months
Type of entity All Excluding partnership & proprietorship
4. The applicant should be 1 year in current employment or should have a minimum of 3 years of total employment
experience.
5. Latest Finacle statements ( physical copy ) or finacle download will be acceptable for ascertaining the amount of salary
credit.
6. Regular credit parameters such as maximum age (minimum age limit would be 21 years), high-risk profiles, occupation
and negative areas would not apply to these pre-qualified customers.
• Minimum age criteria not met (less than 21 years)
• Non Management Cadre (NMC)
• Applicants are part of any internal or external (Satyam) derogatory credit databases in the possession of the
bank
TYPE OF CARD Gold Card and Classic cards

CREDIT LIMIT Credit limits would be assigned as follows:
• Latest net salary credit would be considered for limit assignment
• Latest net salary should be Rs.6,000 to be eligible for a Classic
card and Rs.12,500 to be eligible for a Gold Card
• Limit would be 3 x net salary for Classic cards and 5 x salary for
Gold cards subject to product caps
24.0 Co-origination Programmes
Co-origination implies approval and issuance of credit cards to customers who have been approved a Personal Loan.
The following conditions would be applicable to determine eligibility:
1. Co-origination of credit cards would be permitted in cases where the applicant has been acquired through any Personal
Loan product program.
2. Applications may be declined under the following conditions:
• Policy & Product eligibility criteria of the bench-marked Card Acquisition Program are not met
• MUE (Personal Loans and Cards exposure) would be as per parameters defined and approved through a separate credit bulletin.
• Account does not meet the multiple card policy criteria.
3. Residence stability / employment stability and business stability would be deemed met under this program.
4. Age, income and surrogate income criteria’s would be deemed as met under this program.
• Offered to approved personal loan customers whose personal loans have been approved not more than 45 days ago (at
the time of approving the credit card)
• Derogatory check will be deemed met owing to personal loan approval.
• Gold and Classic cards would be offered
• Limit to be calculated as per program and grid mentioned below subject to minimum credit limit criteria being met.
• MUE will be applicable as per the specific program
Personal loans program Credit card program Computation of Credit Limit
(Origin) (Target)
Verified Income Program Verified Income Program Following income multipliers will be applicable to all salaried
• CAT A • CAT A categories of verified income.
Classic 2 * Net adjusted Monthly income
• CAT B • CAT B Gold 3 * Net adjusted Monthly income
• CAT C/D • CAT B
Balance Transfer – Card Card for Card Limits as per Card for Card Policy Surrogate Program ( 1.33 x
obc limit )
Relationship Reward - Auto Relationship Reward - Auto Limits as per Relationship Rewards – Auto Loan Program
defined
Type of Car Product Type
Standard Classic Card
Premium Gold Card
Super Premium Gold Card
Luxury Gold Card
Relationship Reward - Deposit Relationship Reward - Deposit Limits as per Relationship Rewards – Deposits Program –
Savings
Average Daily Product Credit Limit
Balance Type
> = Rs. 10,000 Classic 2 X ADB subject to a cap
Card of Rs.50,000
> = Rs. 30,000 Gold Card 2 X ADB subject to a cap
of Rs.100,000
Current Account
Average Daily Product Credit Limit
Balance ( Last Type
6 months)
> = Rs. 50,000 Gold Card Rs. 100,000
Relationship Reward - Mortgage Pre-Approved Program for Limits as per Pre-approved Program for Home Loan customers
Home Loan customers as defined
Sanctioned Loan Product Credit Limit
Amount (Rs.)
< 1 million Gold Rs.50,000
Rs.1 million up to Rs.2.5 Gold Rs.100,000
million
Rs.2.5 million up to Rs.5 Gold Rs.200,000
million
Rs.5.0 million and over Gold Rs.300,000
Relationship Reward - cards Multiple Card Policy Limits as per the Multiple card policy defined –50% of the
limit on the existing credit card
Repayment Based Surrogate Loan Repayment Based Track Limits as per the pre-approved program for loan repayment
Income Program Record Policy Surrogate track record customers of personal loans
Program Loan Amount Product Credit Limit
< Rs. 150,000 Classic 4 x EMI subject to a
minimum of Rs.25,000
and a maximum of
Rs.50,000.
>= Rs.150,000 Gold 8 x EMI subject to a
minimum of Rs.40,000
and a maximum of
Rs.100,000.
Top -Up Loan Repayment Based Track Limits as per the pre-approved program for loan repayment
Record Policy Surrogate track record customers of personal loans as defined above
Program
All Other Surrogates Standard Limits:
Classic Rs.25,000
Gold Rs.40,000
25.0 Co- Branded Cards
Max Co-branded Card :
All applicants who satisfy existing underwriting and program standards would be eligible for a card issued under this
program. The card would also be issued to existing card accounts meeting the multiple card policy. In addition to this, the
card offer can also be extended to the following set of customers:
Add-on Card to Existing Cardholders

• The Max Co-Brand Card can be issued as an add-on to existing card account holders. This card would share the
limit of the existing card.
• Customers meeting the multiple card policy can be issued a Max add-on card with a limit increase of 50% on the
primary card. The minimum limit on the existing card must be greater than Rs. 25,000.
Staff Personal Card under the Max Co-Brand

• The Max card can be issued to the bank Staff. This is in addition to the existing cards under the staff personal card
program.
• The additional card would be issued subject to the card account meeting the multiple card policy and limits would
be assigned as per the grid mentioned below :
AAB AAE Levels AASI Grades AACF Levels ACES Band Credit Limits ( Rs.)
Grades
M & above Director & above M & above Asst. Director, Director, MD Band 5 & above 150,000
L Asst. Director L Senior Manager. Band 4 75,000
H / Clericals N.A. H Secretary Band 1 25,000
PFCs* N.A. N.A. N.A. N.A. 15000
Employees below Grade J can be issued 1 personal card only.
Emergency Cash
• Cardholders holding a Max Primary or an add on card would be eligible for an emergency cash facility of Rs.
25,000((for cardholders with a credit limit of up to Rs.25,000) and a facility of Rs.50,000 (for cardholders with
credit limit greater than Rs.25,000).
• The emergency cash disbursement would be treated as a temporary increase in credit limit which would be
available for a period of twelve months. At the expiry of the twelve-month period, the limit would revert to the
original limit and any outstanding above the limit would be due for immediate payment.
• The limit increase would be extended subject to the following criteria being met :
 The account must be current.
 The account must not be over credit limit
 The account must not have a temporary credit limit increase running at the time of the request.
Barista Co-Brand Credit Card
• All new applicants who satisfy existing underwriting and program standards would be eligible for a card issued
under this program.
• A Barista primary Credit Card may also be issued to existing Credit card accounts meeting the multiple card policy
criteria’s.
• In addition to this, this card offer may also be extended as provided below:
• The Barista Co-Brand Card can be issued as an add-on card to existing card account holders. This add-on card may
be in the same name as the primary cardholder to enable the primary cardholder to get the benefits offered by the
Barista Co-Brand card within the limit of the existing card.
Staff Personal Card under the Barista Co-Brand

• The Barista Co-Brand card may also be issued to the staff of the bank and its associated companies in India. This is
in addition to the existing cards under the staff personal card program and staff corporate card program.
• Employees of ABN Amro bank and its subsidiaries will be eligible for one employee corporate card, in addition to
2 employee personal cards.
Grades
L & Above Asst. Director & above L & Above Asst. Director, Director M.D. Band 4 & above 50,000
J/K Manager J/K Senior Manager & Manager Band 3 30000
I Asst. Manager I Asst. Manager Band 2 25000
H / Clericals N.A. H Secretary Band 1 20000
PFCs* N.A. N.A. N.A. N.A. 15000
* Only confirmed PFCs or employees who have completed at least 6 months of tenure
• All other terms and conditions applicable to issue to staff personal cards as stipulated in credit bulletin would
continue to apply for Barista Co-Brand cards issued to staff.
Adlabs Co-Brand Credit Card

• All new applicants who satisfy existing underwriting and program standards would be eligible for a card issued
under this program.
• An Adlabs Primary Credit Card may also be issued to existing Credit card accounts meeting the multiple card
policy criteria’s.
• In addition to this, this card offer may also be extended as provided below:
• The Adlabs Co-Brand Card can be issued as an add-on card to existing card holders. This add-on card may be in the
same name as the primary cardholder to enable the primary cardholder to get the benefits offered by the Adlabs Co-
Brand card within the limit of the existing card.
Staff Personal Card under the Adlabs Co-Brand
• The Adlabs Co-Brand card may also be issued to the staff of the bank and its associated companies in India. This is
in addition to the existing cards under the staff personal card program and staff corporate card program.
• Employees of ABN Amro bank and its subsidiaries will be eligible for one employee corporate card, in addition to
2 employee personal cards.
Grades
L & Above Asst. Director & above L & Above Asst. Director, Director M.D. Band 4 & above 50,000
J/K Manager J/K Senior Manager & Manager Band 3 30000
I Asst. Manager I Asst. Manager Band 2 25000
H / Clericals N.A. H Secretary Band 1 20000
PFCs* N.A. N.A. N.A. N.A. 15000
Only confirmed PFCs or employees who have completed at least 6 months of tenure
•All other terms and conditions applicable to issue to staff personal cards as stipulated in credit bulletin # 11 would
continue to apply for Adlabs Co-Brand cards issued to staff.
***********************************************************************************************

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Policy Refresher – Credit Cards

1.0 OVERVIEW OF CARD FEATURES......................................................................................................................................................2

1.0 OVERVIEW OF CARD FEATURES

3. CREDIT LIMITS • Classic Card Rs.15,000 to Rs.150,000

1.2 Verified Income Programme – Income Multipliers

Classic credit cards

Gold credit cards

Gold credit cards

2. Age - Maximum 70 years 70 years 70 years 70 years

Credit Criteria Salaried Individuals Self Employed Self Employed

Income Types & Components

Eligible income types / components Eligible income types / components

Ineligible income types / components Ineligible income types / components

Verification Matrix Specific to Programs

Program / Occupation Category Office Verification Residence Verification Telephone Verification

Document attached in Vernacular language

Following documents are acceptable ID’s :

6.0 Non Target / HRP Profiles

17. Owners of overseas and small manpower consultants.

18. Owners of cyber cafes.

3. Employees of companies engaged in granite / tannery leather / marine products

4. Employees of small time-sharing companies

5. Employees of small private limited companies

6. Financial Planning Advisors

7. Junior Resident Doctors of small hospitals

7.0 Negative areas

8.0 City Limits

9.0 Specific Guidelines for Processing Select Sectors

9.2 Insurance Professionals in Sales/Agency Management related functions

9.3 Government Organizations (Not Including PSU's)

9.4 Educational Institutions

Deposit Relationship: Only Savings Accounts

• Minimum age criteria not met

• Multiple card policy criteria is not met

• Offered to individual customers only

Computation of Credit Limit: Credit limit to be assigned as per grid below

Deposit Relationship: Only Current Accounts

• Minimum age criteria not met

• Multiple card policy criteria is not met

Computation of Credit Limit: Credit limit to be assigned as per grid below

Auto Loan Relationship (Term loan or Overdraft Line)

• Overdraft account must be open / live.

• Minimum age criteria not met

• Multiple card policy criteria is not met

Computation of Credit Limit: Credit limit to be assigned as per grid below

• Minimum age criteria not met

• Account must not be over limit.

• Multiple card policy criteria is not met

• Minimum relationship period – 12 months

TCD Current Balance Product Type Credit Limit

Loan against Securities (LAS) Relationship

• Minimum age criteria not met

Computation of Credit Limit: Credit limit to be assigned as per grid below:

LAS O/D Limit Product Type Credit Limit

Personal Loan Relationship ( Term and Revolving Lines)

• Personal Loan revolving line account must be open / live.

• Minimum age criteria not met

• Minimum loan relationship of eight months.

Computation of Credit Limit: (multiple of EMI)

Relationship Reward – Insurance

5. Applicant must be gainfully employed.

6. Minimum age of the applicant must be 21 years.

• Minimum age criteria not met