With time, add-on credit cards have become quite popular in India. Also known as supplementary credit cards, these can be issued to the family members of a primary cardholder.
What is SBI add-on credit card ?
SBI offers add-on credit cards to make shopping easy for every member of the family. These cards are not only easy to get but are also free of cost. SBI add-on credit cards are loaded with benefits and can be obtained with three simple steps.
Eligibility for an SBI add-on credit card
To get an add-on credit card, the applicant has to fulfill the following conditions:
Applicant has to be more than 18 years of age.
Primary cardholders should permit the issuance of the requested add-on credit card.
Documents required for an SBI add-on credit card
SBI asks an applicant to provide the following details while applying for an add-on credit card:
Date of birth
College/ Place of work
Documents required differ from bank to bank. Based on the norms, SBI might also ask for the following documents:
Proof of age
Proof of income of the primary cardholder
How can i get SBI add-on credit card
The application process to get an SBI add-on credit card is simple. One can apply for it either online or offline. Here is how one can apply for these cards online:
The applicant has to log on to sbicard.com by using the primary cardholder’s username and password.
They need to fill in the required details and information on the form provided.
Final step is to submit the form online.
How to Apply SBI add-on credit card offline
Listed below is how one can apply for an SBI add-on credit card offline:
The applicant can download the application form from www.sbicard.com.
Next step is to fill in the required details with correct information.
The applicant must attach the required documents with the application.
The final step is to send the original application form to SBI Cards and Payment Services Private Ltd., P.O. Box: 16, GPO, New Delhi: 110001.
Features and benefits of an SBI add-on credit card:
The credit limit on the add-on credit cards is shared with the primary card.
SBI add-on credit card 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.
The statement of the add-on card is sent to the primary cardholder as a single consolidated summary.
It is easy for primary cardholders to monitor the expenses being made on the add-on credit cards.
SBI add-on credit cardholders can earn reward points that they can use to avail amazing discounts.
Fee and charges on SBI add-on credit cards
Fees and charges applicable on SBI add-on credit cards are the same as the ones charged on the primary cards.
SBI credit cards that offer add-on cards
Listed below are some of the SBI credit cards covering segments like lifestyle, shopping, rewards, banking partnership, and travel that offer add-on cards for the family members of the primary cardholders:
SBI Card Elite
SBI Card Elite Advantage
SBI Card Prime
SBI Card Prime Advantage
Simply Click SBI Card
Simply SAVE SBI Card
SBI Card Unnati
Capital First SBI Card
Air India SBI Platinum Card
Chennai Metro SBI Card
Yatra SBI Card
Federal Bank SBI Credit Card
Oriental Bank of Commerce-SBI Card
Karur Vysya Bank-SBI Card
Bank of Maharashtra-SBI Card
FAQs on SBI add-on credit card
How can I track my add-on credit card application?
You can visit the website www.sbicard.com, key in your username and password, and track the status of your application. You can also call the helpline number 1860-180-1290 or 39-02-02 (prefix your STD code).
How is CIBIL score calculated on an add-on credit card?
The spending history on the add-on credit cards and all the bills related to them are reflected on the primary cardholder's account. Hence, the CIBIL score is calculated on the basis of the consolidated expenses made on the primary card and the add-on cards.
Will the credit score of the primary cardholder get affected if the add-on cardholder doesn’t make timely payments?
Yes, the credit score of the primary cardholder will get affected if the add-on cardholder doesn’t make timely payments.
Do add-on cardholders avail the same benefits as the primary cardholders?
Yes, add-on cardholders can avail the same benefits as the primary cardholders. In rare cases, certain privileges will be limited to the primary cardholders only.
How many add-on credit cards can a primary cardholder avail?
A primary cardholder can avail 1 to 5 add-on credit cards.
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I got a credit card from State Bank of India which is Co-branch of KVB. I have been using Platinum card for about 3years. The annual fee is not applicable since am a staff of KVB. They have offered a limit of 75K and it wil be happy if they could do higher also. Am getting an offers for fuel filling and Amazon purchase which I never used it. Once I paid the payment delayed for one day, they have charged me highly.
I am using State Bank Of India credit card which was taken through Bank direclty.I am using this credit card for the past 2 years ,The credit limit was really good and it was upto 50,000.This was a free card ,customer service is really good and banking service is also good ,I have got all the required details about the card process very clearly through the agent .
I use SBI credit card for a year, they have provided me a balance transfer option which is good. I haven't interacted with the customer support. The credit limit is decent. The annual fee is applicable of Rs.300 or 400. I am getting reward points and discounts when I am doing shopping from Big Bazaar.
I am using a State Bank of India credit card. I have been using this card for the past two years. Credit limit is only 57 thousand, I was expecting at least 1.5 lakhs. it's a lifetime free credit card. Their bill payment system is very simple and easy.
I am holding a State Bank of India Credit card for the past 2-3 years. I am really happy with the features of this card. Credit limit is also sufficient for me. Annual fee is chargeable. There is reward points and offers. Bill payment is very easy.
SBI credit card rate of interest is huge for the emi I have been holding this card for last two years. I converted Rs.25,000 into emi for nine months of duration with the interest rate of 9.5% per annum its should be reduced as per the market. But I like this card because many offers provided by SBI especially at amazon, big bazaar shoppings.
This is a good card I am using it for last 5 to 6 years but I have concern about my SBI credit card limit though I am an existing customer they didn't increase the limit and I have good credit score as well so they should consider. But they do have airport lounge or travel bookings discounts.
I am holding a State Bank of India credit card. I have been using this card more than 2 years. My credit limit is very less, it's only 35 thousand. Their charges are more in comparison to other banks. I am not satisfied with their customer service, very difficult to reach them.
I had a State Bank of India credit card. I used that card for almost 4 years. I deactivated the card because credit limit was very very low. My credit limit was only 10 thousand. I had to pay annual fee Rs. 500. I am not satisfied with their customer service.
I am using SBI credit card from last one month, so it has very good shopping offers through online purchase. Even I do have cash back offers and reward points offer based on the transactions but they did not generate my first month credit card statement.
I have selected state bank of India simple save credit card past 6 months ago .The Annual charger Rs 499. . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
I am using a State Bank of India credit card. Credit limit is nominal and annual fee is Rs. 499. I have been using this card over 7 years. SBI customer service is very helpful and responsive. Their mobile application is user friendly and bill payment is very simple and easy.
I have selected state bank of india simply save credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
I am holding a State Bank of India credit card. Their customer care is very helpful, they had provided clear information. I have been using this card for the last 5 years. Features of this card are really good. There is good offer but credit limit is very low.
I have a State Bank of India credit card. My credit limit is Rs. 55 thousnd, they have not increased the credit limit much. I have been using this credit card over 2 years. Annual fee is Rs. 500. Their customer service is very good. Bill payment is very easy.
I have been using State Bank of India Credit card. I got the card on time. Credit limit is nominal but there is annual fee of Rs. 499. I have been using this credit card more than two years. I am getting reward points and cashback offers. Bill payment is very easy.
I have selected simply save credit card past 3 months ago The Annual Rs 499. Balance transfer option is applicable, while transaction through online i will receive rewards points and cash back offer through on line 10 percentage cash back , customer service is good and responsive , limit is sufficient is provide from banker end.
I have a State Bank of India Bharat Petroleum credit card. I have been using this card over the last 2.5 years. I am quite satisfied with the revert point system for refilling fuel. Other than reward points other features are good. Credit limit is also enough.
I am holding a State Bank of India Platinum credit card. I have been using this card for the last 3 years. Credit limit is Rs. 65 thousand. The features are good and I am getting good offers. Bill payment is very easy their customer care is very responsive.
I have a State Bank of India credit card. I have been using this card almost 4 months. I had received the card on time. Credit limit is nominal but annual fee is Rs. 6000. It's BPCL card and they are charging for refilling petrol. SBI customer service is good.