I had a bitter experience with ABN Amro Card bearing No. 5415382309498269. Initially I was told it is a lifetime free card. At the time of renewal, I was asked to pay the annual fee. When I refused and told them that I am not interested in their card, I was told that I need not pay. However, when I received the statement, I was shocked to see that my reward points were debited. After protracted correspondence, now the Bank has agreed to credit the points back and also waive all late fee charges. In any case, I have decided to close this account and surrender the card after this bitter experience.