Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    American Express Add-on Credit Cards

     With time, credit cards have proved to be one of the most sought-after financial products available in the market. Credit cards have been instrumental in bringing a sea change in the spending habits of people. It is not only used across the world but it has been influencing the market for a long time now.

    There are quite a few reasons for the ever-growing popularity of credit cards in India. They not only make the cardholder’s shopping experience an easy affair but also make payment convenient. Also, credit cards come loaded with benefits and rewards points. These benefits can be utilized to get a good amount of cashback or discount while shopping online and in stores. The reward points, once accumulated, can be redeemed for fabulous gifts. Cardholders can also collect AirMiles that can be redeemed to bag discounted air tickets or products from an airline catalogue. Apart from these, a cardholder can also enjoy fuel surcharge.

    Amex Add-on credit cards or supplementary credit cards are issued to the family members of a primary cardholder so that they can enjoy the benefits and privileges together. Almost every banking organization in this country offers add-on credit cards. Similarly, American Express also offers a range of add-on credit cards for the family members of their primary cardholders. Loaded with rewards and benefits, these add-on credit cards make the shopping experience of the cardholders exciting.

    Who can avail an Amex add-on credit cards?

    Citibank issues add-on credit cards for the following relations of the primary cardholder:

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

    What is an Amex add-on credit card?

    American Express offers add-on or supplementary credit cards for the family members of the primary credit cardholders. The add-on credit card holders get to enjoy the same perks and privileges as the primary cardholder. However, American Express doesn’t provide add-on cards on every credit card that they offer. Also, to avail an add-on credit card, the applicant needs to meet all the eligibility requirements and an approval from the primary cardholder is also needed.

    Eligibility for Amex Add-on Credit cards

    Amex add-on credit cards can be availed by applicants who fulfill the following eligibility criteria:

    • Applicant must be above the age of 18.
    • Applicant must be a family member or a relative of the primary cardholder.
    • Primary cardholders should permit the issuance of the requested add-on credit card.

    Other requirements may be applicable based on the terms and conditions set by the bank.

    Documents required for Amex Add-on Credit Cards

    American Express asks an applicant to submit the following documents while applying for an add-on credit card:

    • A duly-filled application form.
    • Copies of valid ID proof and address proof of the add-on credit card applicant.
    • Passport-size photographs of the applicant.

    The bank might ask for additional documents. Applicants should keep in mind that Amex add-on credit cards are not provided unless all the required KYC (Know-Your-Customer) documents are collected.

    How to apply for an Amex Add-on credit card?

    To apply for an Amex add-on credit card directly, the applicant can visit the nearest branch of American Express. To apply for an Amex add-on credit card online, the applicant can follow the steps (with the help of the primary cardholder) that have been listed below:

    • They have to log in to cardappdacq.americanexpress.com.
    • Next, they need to fill in the number of the primary credit card.
    • Then they will need to fill in the registered date of birth of the primary cardholder.
    • The primary cardholder will then receive a verification code that they have to fill in a space provided on the web page.
    • Once all the above written data has been provided, the applicant will have to submit the information.

    Customer Care

    Applicants can also apply for a call back option on the website to apply for an add-on credit card through customer care.

    Apply for an Amex Add-on credit card Through Post

    Applicants can also send their documents attached with the application form to the following address:

    Supplementary Cards,

    American Express Banking Corp.

    Cyber City, Tower C,

    DLF Building No.8, Sector 25,

    DLF City Phase II Gurgaon, Haryana-122002

    Features and benefits of Amex Add-on credit cards

    An Amex add-on or supplementary credit card comes with a number of advantages. Listed below are some of the features and benefits of an Amex add-on credit card:

    • The credit limit on the Amex add-on credit cards is shared with the primary card.
    • The statement of the add-on card is sent to the primary cardholder as a single consolidated summary.
    • Amex add-on credit cards can be used in India as well as abroad for shopping provided the international payment facility is enabled on the primary card.
    • The waiver limit on fuel surcharge on the add-on card is shared with the primary card.
    • It is easy for primary cardholders to monitor the expenses being made on the add-on credit cards.
    • Amex add-on credit cardholders can earn reward points and air miles that they can use to avail amazing discounts. The supplementary credit card comes with the same benefit as that of the primary credit card, unless otherwise specified.
    • Primary cardholder can set the spend limit on the add-on credit card as required. Each of these spends can also be tracked.

    Amex credit cards with add-on options

    • The American Express Membership Rewards Credit Card
    • The American Express Platinum Travel Credit Card
    • Jet Airways American Express Platinum Credit Cards

    Fees and charges for Amex add-on credit card

    Card Fee
    The American Express Membership Rewards Credit Card Nil
    The American Express Platinum Travel Credit card Nil
    Jet Airways American Express Nil

    FAQs on Amex Add-on Credit Cards

    1. How many add-on credit cards can an individual avail on a primary Amex credit card?
    2. Customers can procure up to 3 add-on credit cards on a primary Amex credit card.

    3. Who pays the bills for an add-on credit card?
    4. Credit card bill for a supplementary credit card is paid by the primary cardholder.

    5. How is credit score calculated on a supplementary credit card?
    6. Credit score will not be calculated for a supplementary credit card. Instead all activities will be reflected in the primary cardholder’s credit report. Hence the add-on credit card must be used judiciously.

    7. What is the credit limit applicable for an Amex add-on credit card?
    8. The credit limit for an ICICI Bank add-on credit card is either the same or lesser than that of the primary credit card based on the terms and conditions of the bank.

    9. Who is eligible to avail an Amex add-on credit card?
    10. Immediate family members and relatives of the primary cardholder can avail an add-on Amex Bank credit card.

    Know More About Other Bank Add-on Credit Card

    American Express Add-on Credit Cards Reviews

    • ICICI Bank Credit Card
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Recently Purchased credit card"
      0.5 4.0/5 "Great!"
      Recently I applied for this SBI credit card through Executive . I find a good support from that executive by taking care of all the requirements till the delivery of my credit card . SBI provided me a credit limit of more than 50 k and Annual fees is around 500 /- .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very good credit card for other bank users"
      0.5 5.0/5 "Blown Away!"
      I always prefer HDFC service is very satisfactory service . For the last two years , I am using this HDFC credit card . I don't experience any negative things . Very good credit card for on-line shopping with some discount around 5-10 % . With a good credit limit of more than 50 k .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Good. Can be more clear in details"
      0.5 3.0/5 "Satisfactory"
      SBI is good in the overall experience for the credit card. They are good in their offers and also in the credit limit. They have good emi options and there are good deals on the e commerce websites. The only thing which is not satisfactory is when I visit big stores like Big Bazaar for example. There are executives of this bank who would offer a credit card. If I am to tell them that I already have one, they would say that I could get a new card with a higher limit. My current limit is 70K and I would get 5 lakhs on the new card. Finally I would get a call from the bank who is willing to give me a new card with a bifurcated limit of 50k, where I would have 25K on each card. I refused as it is not useful to me.
      Was this review helpful? 0
      , kannur
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using this credit card, there is some annual charges of 500 with this card. The credit limit with the card has been less and there has not been any benefits in using this card. I had not been using this card much and just for some purchases has been using.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I have been using this credit card for the last couple of years, the services with them was good. I am satisfied with the credit limit with this card and there is an annual charges of 500 with this card as well. I have been using the card for all sort of purchases.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last three years where i am quite satisfied with the services of them. There has been a good credit limit with this card and it has an annual charges of 500 as well. There has been offers with the card on cash backs and reward points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      Hdfc taken one week of time to approve my credit card,they quickly dispatched the card. Initially they declined the card then I raised the request, they approved it on next day. The service is good they responding to the customer in professional manner. Initially I paid the amount of Rs. 1800 hence it became life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • Kotak Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I use Kotak Mahindra Bank credit card and my experience was average. The helpline number was not useful and they need to improve the customer service. They don't charge annual fee, If I spend certain limit in a year. The credit limit was sufficient. I have not used the Flexi option so don't know the charges.
      Was this review helpful? 0
      , thane
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 2.5/5 "Just OK"
      I had been using this credit card for the last two years and the services which they had been providing so far has been pretty good. But they had been making many hidden charges and there was not much offers other than the reward points. The credit limit with the card is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I got this credit for making my essential needs and is very useful for me.It is best card for doing shopping and there is no annual fee charges as well.I am using this often.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card just for the last six months and the services with them was good so far. I am satisfied with the credit limit with this card and there has also been some better offers with this card on reward points. I am happy with the credit limit with this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • RBL Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last one and a half years where i am satisfied with the services which they had provided so far. They had given me with a good credit limit and there has not been any annual charges with this card as well. I had been getting some good benefits in using this card as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • RBL Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I also bank with Ratnakar Bank for the credit card. The customer support is good and they also have a good online banking system. I can check the status of the EMI conversion and I can also login with ease. There are good offers and the credit limit is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good. Online banking needs to be user friendly"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card which has a annual fee of Rs.500. The credit limit is good. I am also fine with the customer services and response too. The online banking is not user friendly, it is very complicated to login and to also convert the emi is not that easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average performance credit card"
      0.5 3.0/5 "Satisfactory"
      While purchasing this SBI Platinum credit card , i got more vouchers during that time . They sold this credit card without proper information .making the credit call bill payment in SBI is very difficult process . This card is not at all applicable for my usage . I thought of blocking this credit card after that i changed my mind .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Need more offers in the future"
      0.5 4.0/5 "Great!"
      I am using the HDFC national card . On initial days, i wont receive much notifications through Email . Impossible to get he Credit card statement also . HDFC taken some time to respond my all these request. HDFC Services wise I am okay .I dint find any hidden charges in HDFC till now .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India. It is a good experience as I can redeem the points with ease. The credit limit is also good and there are no hassles. The statements are clear and sent to me on time. The customer support and response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • Bank Bazaar Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is really good as the portal helps me to track my credit score and also check the banks offers and deals and compare the various options. The team was on time to contact me and inform me the details. They also followed up in the process too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • Citibank Credit Card
      "Good. Can reduce the annual fee"
      0.5 4.5/5 "Excellent!"
      Citibank has been good till date and on time for me to get the credit card. The credit limit is also good. I expected more though. There are annual charges of 1K for the card which gets waived off if I use the card for 30K in the first month or within two months. It is a Indian oil card and since I did not need it as I would not use it much for fuel so I asked for a rewards card, but in between the conversation I got a message that it is already dispatched and would be delivered the same day. So I could not do anything about it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
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