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  • Add-on Credit Cards

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  • Have you ever thought of sharing your credit card with your family? Would you like to give financial freedom to your teens yet want to track their expenses? Here is a solution for all such needs.

    An add-on credit card or a supplementary credit card would let you share your credit card with your family members while keeping a track on their expenses. It eliminates the need of having multiple credit cards in a family thus reduces your overall credit card annual maintenance costs.

    Let’s look at various thing you need to know about add-on credit cards.

    What is an Add-On Credit Card?

    Most of the personal credit cards available in India offer add-on credit cards as an additional facility for the cardholders.

    An add-on credit card essentially contains the same features of the primary credit card and can be availed by the immediate family members of the primary cardholder.

    Typically, credit card issuers provide limited number of cards, say 2-3, for free. This means no annual fee or joining fee will be charged on the add-on cards. However, some cards do come with a cost. They carry an annual fee, typically much lesser than the annual fee of the primary credit card.

    Features of Add-On Credit Cards

    Primarily, add-on credit cards share all the features of the main credit card. All the benefits offered by the primary card are available on the supplementary card. However, there are a few aspects you need to understand while using an add-on credit card.

    • Credit limit of an add-on credit card: Add-on credit cards have the same credit limit as that of the primary credit card. You can use add-on credit card up to total credit limit on the card account.

    Some card issuers also allow primary cardholders to set a limit on each add-on credit card. It could be same or lesser than the total credit limit on the account.

    The same stands true for cash withdrawal limit or cash limit. While most banks provide a default cash limit of 100% on add-on cards, a few like HDFC provide a lesser cash limit to add-on cardholders.

    • Reward points on add-on credit cards: Add-on credit cardholders earn the reward points at the same rate as that of the primary cardholder. This means the number of reward points, minimum transaction amount, redemption options, etc., remain the same.

    The accrued reward points get credited to the primary cardholders account. While redeeming the points, you can use the consolidated points.

    • Airport lounge access on add-on cards: Not all credit card providers allow the add-on cardholders to enjoy the complimentary airport lounge access provided to the primary cardholder.

    Especially, the free membership offered on airport Priority Pass Program and others are exclusive for primary cardholders.

    However, there are a few card issuers that allow primary and supplementary cardholders to share the free visits.

    Other important aspects of Add-on credit cards

    • Add-on credit card application: Though the add-on credit cards are offered as complimentary for the primary cards, unless the bank receives an application for the cards, you cannot have one.

    Thus, the eligible family members of the primary cardholder should apply for an add-on credit card to get one.

    • Add-on credit card billing/statement: Irrespective of the number of add-on cards, the bank will generate only one consolidated credit card statement. It includes all the purchases or transactions made on the primary card as well as on all add-on cards.

    The primary cardholder can thus track all the withdrawals and spends made by the add-on credit cardholders. He/she, however, remains responsible for all dues on the card/s.

    • Add-on cards – Effect on Credit score: As supplementary credit cards are connected to the primary card, all the transactions and bill payments regarding the cards will be recorded similar to that of primary credit cards.

    If the primary cardholder is unable to clear the due or pays only the minimum amount due repeatedly, he/she runs the risk of racking up a debt.

    If payments are delayed, late charges will be deducted from the account of the primary cardholder. Any defaults on the account will also be reported to credit agencies like CIBIL and Experian.

    Therefore, primary cardholders need to be very careful about the supplementary cardholder’s spends because if anything goes wrong, it will reflect on the primary cardholder’s account and might affect the credit score.

    Who can apply for an add-on credit card?

    Immediate family members of the primary cardholder can apply for an add-on card. All such applicants should be above 18 years of age. The list of eligible members includes primary cardholder’s -

    • Spouse
    • Children
    • Siblings
    • Parents
    • Parents-in-law
    • Sister/Brother-in-law
    • Daughter/Son-in-law

    Some issuers might have some exceptions. Please check with your provider for exact information.

    How many add-on credit cards can be availed on a credit card?

    The number of supplementary credit cards availed on a credit card vary for each bank. Listed below are the number of cards offered by major credit card issuers.

    Credit Card Issuer No: of add-on cards permitted Annual fee
    HDFC Bank Up to 3 add-on cards Free for life time
    SBI Cards Up to 2 add-on cards Free for life time
    Citibank Up to 5 add-on cards on select variants Free for life time
    YES Bank Up to 3 add-on cards Free for lifetime
    Axis Bank Up to 4 add-on cards Free for lifetime
    HSBC Bank Up to 3 add-on cards Free for lifetime
    IndusInd Bank Up to 2 add-on cards Free for lifetime
    Kotak Mahindra On Gold Cards – Up to 2 add-on cards On Platinum Cards – Up to 3 add-on cards Rs.0 to Rs.599
    ICICI Bank Up to 3 add-on cards
    • Rs.250 for Jet Airways Coral/Sapphiro/Rubyx cards
    • NIL for all other cards

    How to apply for Add-on credit cards?

    Each bank or card issuer offers different methods to apply for an add-on credit card. One thing to remember while applying for the card is that only primary cardholders can send an application on behalf of the applicants. However, the signatures of the add-on card applicants are also required on the application.

    Listed below are some common procedures for applying the card. Check your bank’s website to find out which option is available.

    • Through credit card net banking account
    • By submitting an add-on card application
    • By calling credit card customer care
    • By sending an SMS

    Apply for add-on credit card through net banking

    If you have net banking access to your credit card, you can apply for an add-on card by logging in to your account.

    You might have to fill the required details such as the applicant’s name, contact details, address and identity proof, etc., and submit it.

    The concerned department would give you a confirmation call and inform you about further procedure.

    Apply for add-on credit card by submitting an application form

    Most banks have a separate application form for add-on credit cards. You can visit the bank branch and get the form, or you can also download it from the bank’s website.

    Once you have the form, fill the required details, get it signed by the applicants, affix the photographs, if required, attach the self-attested KYC documents and send it through post or hand it over at the nearest bank branch.

    You can find the application forms of major banks here -

    Apply for add-on credit card by calling customer care

    Calling credit card customer care helpline of the respective bank is another way to apply for an add-on credit card.

    The bank may not accept applications or requests over the phone call, but they would guide you with the application process.

    Click here to find credit card customer care numbers of all major banks.

    Apply for add-on credit card through SMS

    Some banks like Kotak Mahindra, Citibank, and others allow you to send an SMS to raise a request for add-on card.

    If your card issuer is providing the facility, you need to send an SMS in the required format to the designated number from your registered mobile number (only).

    Once the bank receives the SMS, it will contact you on your registered mobile number and will inform you about the rest of the application process.

    For instance, to apply for a Kotak Mahindra add-on credit card, send an SMS in the following format.

    SMS < ADDON > to 5676788

    Documents required to apply for add-on credit cards

    Again, different credit card providers might require a different set of documents to process your add-on credit card application. Listed below are some common documents sought by most of the providers.

    • A duly filled-in add-on credit card application form.
    • KYC documents of add-on card applicant
      • A self-attested identity proof (Aadhaar, Passport, driving license, ration card, student ID card, insurance or Mediclaim card, bank passbook with photo, senior citizen ID, any government recognised ID card)
      • Date of birth proof
      • Address proof
    • PAN card or Form-60
    • A passport size photo of the add-on card applicant

    Benefits of Add-on credit cards

    Although the supplementary cardholder does not have complete control over the add-on card, he/she will be able to experience equal number of perks and advantages as that of the primary member. Some other benefits of add-on cards are provided here -

    • Avoids the need of multiple credit cards within the family thus brings down the overall credit card maintenance costs.
    • Enables minors, below the age of 18, to have a credit card.
    • Add-on cardholders can enjoy the features offered by the credit card at no additional cost.
    • Primary cardholders can set the credit limit on all the add-on cards thus can have full control over the cards.
    • Keeping a track on the expenses of your dependants becomes much easier as all the transactions on the add-on cards would be billed to the primary account.
    • Provides financial independence to dependant family members.
    • Enables add-on cardholders to enjoy the offers on the credit card.

    Frequently Asked Questions (FAQs) on Add-on Credit Cards

    How soon can I receive an add-on credit card?

    It typically takes 10-15 days to process an add-on credit card application after submitting a duly filled-in application and complete KYC documents.

    Will there be a separate PIN for add-on credit cards?

    Yes, a separate PIN will be generated for every add-on credit card and the same will be sent to your mailing address along with the card.

    Whose credit score will get affected if add-on credit cards are misused?

    Although add-on credit cards are used by the family members, all the transactions on the card will be billed to the main card member. Thus, any late payments, nil payments, and defaults on the account would affect the primary cardholder’s credit score.

    Can I use an add-on credit card to avail free lounge access in an airport?

    It depends on the card you’re using. Not all the card issuers allow you to share the airport lounge access benefits. However, there are a few cards such as HDFC Bank Regalia Credit Card Regalia First Credit Card that offer free membership to airport priority pass program and allow you to share the free visits.

    How to cancel or close an add-on credit card?

    The process to cancel or close an add-on credit card is similar to that of the primary card. You need to contact the issuer and raise a request for card cancellation.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Add on Credit Cards Reviews

    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through online .If I have any need this card will be fulfilled by using it. The credit limit was 1L was okay. This was a life time free card and got it on proper time frame .There was proper callback and follow up from bank end when applied for this credit card .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2020
    • IndusInd Bank
      IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have applied INDUSIND bank credit card, which I have applied through online and i have started using this credit card now. The credit limit was Rs.1,00,000 it is a average and this is a life time free card. The customer service and responsiveness are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2020
    • HDFC Bank Credit Card
      "Good card for all purposes"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC bank credit card for more than 3 years. I had applied through bank directly. It is a life time free card. The credit limit 60K. EMI conversion is applicable in this card. Mobile app is good.EMI conversion is easy. I use for Shopping and fuel purposes. I get good reward points and redeem it. If I spend 100 rupees auto credit of 3.5 rupees for fuel purposes. It is a Titanium times card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2020
    • IndusInd Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have Indusind Bank credit card which was taken through bank .I am using this credit card for the past 8 months .The credit limit was 40,000 and this was a free card and there are movie ticket offers as well as cash back offers .I have got the credit card on time .I have submitted the required documents on time ,I am using this credit card frequently 50% of the amount from the credit limit.
      Was this review helpful? 0
      , kanpur
      Reviewed on Jan 20, 2020
    • SBI Cards Credit Card
      "Need to imrpove customer service "
      0.5 4.0/5 "Great!"
      I am not happy with SBI customer service because whenever try to contact not connecting on time to them . I have taken a credit card through online with annual fee chargeable of 499 plus GST. By 2 weeks I got a card. The credit limit is sufficient. EMI conversion is avail if I do transaction more than 3K. Since I got better option of card when compared to other bank so chosen it. They are providing good discount for E commerce. The credit limit of 75K is nominal.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 20, 2020
    • RBL Bank Credit Card
      "Need to provide more benefits "
      0.5 4.0/5 "Great!"
      I have been using RBL bank credit card for more than 1.5 years. I got a card offer directly from bank. The credit limit is sufficient and have not requested for limit enhancement. It is a life time free card. EMI conversion was bit high when compared to other. I use this card for normal purpose. Based on usage I get reward points up to 10K.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2020
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC master credit card for more than 2 years. Credit limit is 30,000rupees. The customer service and responsiveness was good and also i am getting reward points overall it is good. This is a life time free card and also interest was nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2020
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI Bank credit card which was availed through bank directly.There are cash back benefit and almost using this credit card for the past 2 years .The credit limit was satisfied and have discount of 15% for shopping which is really good and this is a chargeable card .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I have applied a credit card with CITI bank through online. They have offered a life time free card and on time I got a call from their end and the process was done smoothly. I received a card by 6 days. The credit limit is sufficient. EMI conversion is available. I use this card for shopping and fuel purposes. At initial they told 1000 rupees gift card will be provided from flipkart but I am yet to receive it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2020
    • IndusInd Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have Indusind Bank credit card which i have availed due to online offer.This was a free card ,i am using the credit card for the past 2 months only but not done more transactions. I bought the card for all purposes .Without any delay got this credit card .The process was smooth and satisfied so far .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2020
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was availed through online. The credit limit was ok, i have taken this credit card since got offers. Now a days credit card is very useful on all emergency purpose. This credit card service is available everywhere .This service is much convenient to me according to my experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2020
    • IndusInd Bank Credit Card
      "Service is Good"
      0.5 4.0/5 "Great!"
      I have chosen Indusind credit card since got the offers,The credit limit was very less but i was expecting more limit. I have used this credit card to pay school fees for my kids.I have not used this credit card much.The service was really good according to my experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2020
    • HDFC Bank Credit Card
      "Need to improve in customer service"
      0.5 4.0/5 "Great!"
      I have taken HDFC credit card through online channel. This is a life time free card and also getting reward points. I am using this card since 4 years. Customer service was not good, so need to improve in service and they have given a good credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2020
    • IndusInd Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which i am having for the past 2 months.I have not used the credit card much ,The credit limit was 50,000 it was good ,This was a life time free card it is becoming necessary since needs are there any time. Nowadays credit card usage is increasing mostly.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2020
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through bank directly.I am mostly using this credit card only for the past 6 months .This credit card is a life time free card,airport lounge access is available ,If purchase mobile will get cash back offers .Everything is good on this credit card so far .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2020
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank credit card which was taken through Bank.This was a regalia card which i am having for the past 5.3 years. This was a life time free card and there are airport lounge access as well as movie ticket offers also.I will be getting cash back offers as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was availed through Online .The credit limit was 12,000.I have got the update it is a life time free card later told need to pay Rs.500 this was the issue.There is no special benefits and features. I have chosen this card since got call from the executive.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2020
    • HDFC Bank Credit Card
      "Need to decrease interest charge "
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC bank credit card for more than 7 years. They have provided life time free card but they haven't enhance the limit so far. There is no option of EMI conversion. Mostly I use this card for hospital expenses and sometimes for shopping. Main drawback is interest rate was very high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2020
    • Axis Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using AXIS BANK credit card for past 5 years. I get movie tickets offers and cash back. The reward points are not available in this card. Credit limit offered from bank is R.39K which is fine. They have not offered with EM conversion. I use this card mostly for shopping.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 19, 2020
    • HDFC Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC bank credit card for past 3 years, which was pre approved card. I have a credit limit of Rs.45K and it get enhanced on time as per the usage. It is a life time free credit card. I have received the cash back for booking movie tickets by online.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 19, 2020
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