Add on Card

What is Add-on Card?

Add-on credit cards are extra cards linked to a primary credit card. They are like supplementary cards that can be given to family members such as a spouse, children over 18, or parents. Depending on the bank, you can get 1 to 5 add-on cards.

Usually, these extra cards are free, but some banks may charge for them. Sometimes, a certain number of add-on cards are complimentary, and any additional ones might come with a fee. All the transactions made with add-on cards are connected to the primary cardholder's account.

Here are the number of add-on credit cards provided by some well-known banks in the country.

Bank Name No. of Add-on Cards Permitted Annual Fee
HDFC Bank Up to 3 Add-on Cards Lifetime Free
SBI Bank Up to 2 Add-on Cards Lifetime Free
ICICI Bank Up to 3 Add-on Cards Varies from card to card
Citibank Up to 5 Add-on Cards Lifetime Free
Axis Bank Up to 4 Add-on Card Lifetime Free

  • Add-on credit cards are great for students over 18, non-working family members, and elderly parents.
  • Add-on cards offer the same rewards, cashbacks, and bonuses as the primary card, with redeemable rewards following the primary card terms.
  • Add-on cards provide financial freedom to those without their own cards.
  • They also offer features like revolving credit, mobile alerts, and interest-free periods.
  • Users of add-on cards enjoy similar benefits as the primary cardholder, but sometimes premium perks are exclusive to the primary cardholder.
  • You can withdraw cash from ATMs using an add-on card with a limit either the same or less than the primary card, depending on the bank.

Credit Score – Paying bills and how add-on cards are used are connected to the main account. If there are issues or mistakes with the add-on card, it can hurt the primary cardholder's credit score. Building a good credit history takes a while, so the main account holder needs to make sure the add-on cards are used responsibly.It's important that the use of add-on cards doesn't negatively affect the main cardholder's credit history.

Credit Limit – The amount of money you can spend with an add-on credit card is either the same as or less than the main card, depending on the issuing bank. The total spending limit for all cards, both main and add-on, is divided from the main card's total limit. So, each card, whether main or add-on, has its own specific spending cap. This also applies when taking out cash from ATMs – there's a limit for each card.

Tracking the Transactions – Every transaction made with add-on cards shows up in the primary account. This means that you can keep track of all the purchases and expenses made by each add-on credit card holder through the primary account statement.

  • All spending shows up in the main account, and the main cardholder is the one responsible for paying the bill.
  • If there's any late payment or misuse of add-on cards, the main cardholder has to pay any extra fees or interest.
  • Misusing add-on cards can also affect the main cardholder's credit score, so it's crucial to keep track to avoid any negative impact.
  • The main cardholder should talk to everyone using add-on cards about how to use them responsibly to prevent any problems.
  • If the benefits on add-on cards are different, the main cardholder needs to know and explain them to the users.
  • It's a good idea to avoid taking out cash with the card because the interest charged is really high.

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Many banks provide add-on credit cards, but the rules for how many you can get and how much you can spend are set by each bank. The way you apply for them and who is allowed to get them also changes from one bank to another. Each bank has its own rules for who is eligible to get an add-on card.

You can apply for an add-on card online by visiting the bank's official website or using their net banking app. Follow these steps:

1. Log in to your bank's net banking or mobile app.

2. Navigate to the Credit Card section and find 'Add-on cards' or 'Supplementary cards.'

3. Enter basic details of the additional cardholder, like their name, address, desired credit limit, cash limit for the add-on card, and their relationship with the primary cardholder.

4. Upload any required documents. In some cases, details of the primary cardholder may be sufficient.

5. Click 'Submit,' and you can expect to receive the add-on card in a few days.

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