I am a primary cardholder. Will my credit score get affected if the add-on cardholder fails to pay the credit card amount due on time?

Yes, your credit score will be affected if the add-on credit cardholder does not pay the due amount on time. Hence, ensure the credit card bill is paid on time so that your credit score doesn't get affected.

How many Central Bank of India add-on credit cards can people from my family avail?

Only two members of your family can avail the add-on credit card facility.

Can I remove a member of my family from the Central Bank of India add-on credit card list?

Yes, you can remove a person from the list if you don't want them to avail the said facility.

What to do if the add-on credit card is lost or stolen?

If the add-on credit card is lost or stolen then in such cases, the primary cardholder must immediately inform the bank and get the card blocked. A replacement card will then be sent to the communication address.

Is the Club Vistara membership applicable for add-on credit cardholders?

No, the Club Vistara membership is not applicable for add-on cardholders but only the primary cardholder.

Central Bank of India Add-on Credit Cards

If you apply for a credit card from Central Bank of India, you can also avail add-on credit cards for the members of your family. Your family members who are 18 years and above can avail add-on credit cards where they can enjoy the benefits offered by the credit card.

Updated On - 05 Sep 2025

Features of Central Bank of India Add-on Credit Cards

Members of your family who are 18 years and above can avail add-on credit cards. Your parents, in-laws, spouse, siblings, and children (above 18 years) can avail add-on Credit cards. However, only two members of your family can avail this facility.
The benefits offered by the primary credit card will also be applicable for the add-on credit card.
The statement on the add-on credit card will be sent to the primary cardholder via email or SMS.
As a primary cardholder, you can check the expenses for which the credit card has been used.
Any waiver whatsoever will be applicable on the add-on credit card too.
You can also set a limit on the add-on credit card.
On using the add-on credit card, the cardholder will be able to accumulate reward points and redeem it as well.

Eligibility Criteria for Central Bank of India Add-on Credit Cards

The add-on cardholder should be related to the primary cardholder.
The person availing the add-on credit card should be 18 years and above.
The primary cardholder must give the permission for the other person to use the add-on credit card.

Documents Required for Central Bank of India Add-on Credit Cards

Proof of address such as Aadhaar, passport, etc.
Proof of identity such as PAN, voter id, etc.
Other KYC documents.

How to Apply for Central Bank of India Add-on Credit Cards

The primary cardholder will have to visit the nearest Central Bank of India branch and submit an application for add-on credit card facility. The necessary documents are to be submitted which in turn will be verified. If all the details are correct, then an add-on credit card will be issued to the person.

Fees and charges

Annual Fee	Renewal Fee
Rs.2,999	Rs.2,999 from second year onwards

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FAQs on Central Bank of India Add-on Credit Cards

I am a primary cardholder. Will my credit score get affected if the add-on cardholder fails to pay the credit card amount due on time?
Yes, your credit score will be affected if the add-on credit cardholder does not pay the due amount on time. Hence, ensure the credit card bill is paid on time so that your credit score doesn't get affected.
How many Central Bank of India add-on credit cards can people from my family avail?
Only two members of your family can avail the add-on credit card facility.
Can I remove a member of my family from the Central Bank of India add-on credit card list?
Yes, you can remove a person from the list if you don't want them to avail the said facility.
What to do if the add-on credit card is lost or stolen?
If the add-on credit card is lost or stolen then in such cases, the primary cardholder must immediately inform the bank and get the card blocked. A replacement card will then be sent to the communication address.
Is the Club Vistara membership applicable for add-on credit cardholders?
No, the Club Vistara membership is not applicable for add-on cardholders but only the primary cardholder.

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