Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Gift a Credit Card

    Best gift Credit Card
    Gift Credit Card

    Individuals are spoilt for choice when it comes to gifting ideas. There are a number of gifts that individuals can give their loved ones, but the best gifts are the ones that are useful and serve a purpose. However, most individuals would not have considered presenting their loved ones with plastic money. That’s right! Credit cards can also be given as gifts to loved ones which allows them the freedom to purchase whatever it is that they require. And no, this is not the same as a gift card which generally comes with a set prepaid limit. Once this limit is exhausted, individuals will have to either recharge the card or get a new one.

    The advantages and the ease of using plastic money is something every individual knows and loves, but there are times wherein they are unable to avail one. In such circumstances, gifting an add-on credit card will be the perfect solution to all gifting requirements. Its user-friendly features are also an added advantage.

    What exactly is an Add-On card?

    Supplementary or add-on cards are additional cards that can be given to family members of the main credit holder, as per his/her request. This card can only be given to those who are above the age of 18. These add-on/supplementary cards allow the holder to use them in a manner that is similar to credit cards, but as per pre-determined rules and the onus of this spending is on the main credit card holder. All card providers also have a set of rules that will have to be followed in order to procure supplementary cards.

    More than one supplementary card can be issued by the primary card holder for each member of his/her family. However, the total number of cards that can be availed is dependent on the card provider’s policies.

    Additional documents need not be provided by the users of these supplementary cards such as proof of address, income and so on as these add-on cards will be provided based on the documents submitted by the primary account holder. Privileges given to the holders of supplementary cards are the same as that given to primary account holders except perhaps, the credit limit. Supplementary cards generally come with a lower credit limit. The per-day limit as well as the overall limit of these add-on cards are fixed. If more than one add-on card is issued, then the limit is divided by the number of users.

    Supplementary cards are provided by many banks without charging an additional fee, whereas others may provide a limited number for free and charge for additional cards. Certain banks may also charge an additional fee for the very first add-on card. These details will depend on the card provider.

    It must be noted that add-on card transactions are recorded in the primary holder’s statement itself and a consolidated statement is sent to the primary holder. Transactions made by each of these cards can be tracked and monitored by the primary account holder, or even opt for alerts.

    Is it Convenient?

    Certain individuals may find it difficult sometimes, to apply for a credit card such as retired individuals, students or even housewives as they may not have the required documents or financial status. Carrying cash is a viable option but having a credit card is always an advantage.

    In such cases, providing them with a supplementary card is helpful as the primary holder can always track the progress and monitor their spending while allowing supplementary card holders to enjoy the benefits that come with credit cards.

    Caution is Necessary

    Although supplementary cards come with their share of advantages, primary cardholders will have to ultimately bear the brunt of misuse, if it occurs. The responsibility of these cards lies with the primary holder and hence should ensure that add-on cards are used judiciously.

    Extreme credit utilization will harm the primary cardholder’s credit score and reckless use of these add-on cards may cause issues during the time of payment.

    Supplementary cards are a good gifting idea as they provide some measure of financial convenience and independence but can also create problems if misused. Hence, these cards must be used cautiously.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Should be transparent"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC rewards card its a life time free credit card, more than three years I am using it, they gave me the enhancement of the limit. I have redeemed the points into voucher but I didn't get that benefits, I received the message stating I will get voucher within few days, they should be transparent.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "Nice Fuel Card"
      0.5 5.0/5 "Blown Away!"
      From CITI bank I have taken Indian oil card now my spouse is using my card. The points are good for the spends, the limit is good, the bank is sending the statement on time. Payment gateway is very convenient to make bill on time. I am fine with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card more than one year, there was no limit enhancement. Anyway its enough for me, I used to get reward points and also the cash back on the spends. The customer support is good in ICICI, they resolving the queries on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • RBL Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding RBL credit card for long time,They have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Sbi credit card service,their service is not up to the mark,and they have not charged me annual fee in this card,as it is life time free credit card,and the credit limit which they have given me in this card was good,but their offers in this card is not much.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI bank credit card for long time,They have not charged me annual fee in this card, as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, rewards points and i am using it since from last few years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with the CITIBANK where the card is user friendly also it is convenient to access. The credit limit with the card is satisfactory also the card has the good offers with this card which was satisfactory. The service is good with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Bank Bazaar Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com and i have been using it through the website as the portal is convenient also it is user friendly to access. the customer service is good and they are responsive also they are good by helping regarding the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple with the credit card that i have been holding with the the HDFC BANK, i got the card within 10-15days, the credit limit with this card is good and satisfactory with this card and i am not aware of the card offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC BANK Credit card . I am holding this card for past 1.5 year . I am not satisfied with credit limit of HDFC bank credit card , i said to customer support to increase the limit they said they cannot do rite now . I use this card for multipurpose .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HSBC Bank Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for taking the credit card with the HSBC BANK the documentation process was simple and easy to get the card and it took nearly one week. The credit limit was satisfactory with this card. I get good offers with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The application was taken with STATE BANK OF INDIA .This is one of the good card with best service while getting the card . If i do transaction i am getting instant message and mail this is the best part . They charge nominal rate of interest and it is life time free card .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      They were very quick to send me the card and the credit limit is good. It is a life time free card. HDFC BANK has offered me a credit card and the banking process is good.The best about the card is the movie tickets, reward point . The overall customer services are good. Rate of interest is very high and credit limit is 92000 .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • Standard Chartered Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with STANDARD CHARTERED BANK . I am holding this card for past few years The limit is very good, I am getting offers while doing shopping .I never faced any difficulty with their services. It is a very useful card for daily use as well. I am happy with this bank .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the service of HDFC bank as i said it is very safe and secure to use, and even their mobile application is user friendly ,and even their credit card is also good, i hold HDFC corporate credit card,it is life time free credit card, and even the credit limit and offers are good with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using this card for more than 3 years this is life time free card and rewards point offer . I hold kotak mahindra credit card . Net baking is very user friendly with this card and the process is very easy to get the card, My application has been approved with kotak mahindra bank
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold INDUSIND Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 5 year . I am happy with the services they offered me , they keep on updating my limit that is the best part . The billing statement is very clear
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      This is life time free card . customer service provided is very good and their response is good and I am happy with HDFC bank.I am satisfied with credit limit and in this card rewards point offer available. .I got HDFC bank credit card approx four years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services they offered me , they keep on uprating my limit that is the best part . The billing statement is very clear .  I hold YES bank Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 3 year
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
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