What Are Add-on Credit Cards?
An add-on card is a supplementary credit card issued to a family member based on an existing primary credit card. The add-on card shares the same credit limit and benefits as the primary cardholder.
How Do Add-on Cards Work?
- They function just like the primary credit card for transactions
- All add-on card expenses are consolidated into the primary card’s bill
- The primary cardholder is responsible for paying the full bill
- No separate credit limit—all cards share the same credit limit
How to Apply for an Add-on Card?
- Most banks allow 2-3 add-on cards per primary card (some may allow more).
- Apply online via net banking or mobile banking OR visit the branch.
- Required documents: KYC, photograph, proof of relationship.
- Add-on cards are typically issued only to immediate family members (spouse, children, parents, siblings).
- Minimum age: 18 years for most banks.
Benefits of Add-on Credit Cards
- Financial freedom for family members without a credit score
- Earn reward points on eligible spends like the primary card
- Contribute to milestone spends, annual fee waiver, and lounge access
- Some premium cards like HDFC Diners Black & Infinia offer lounge access to add-on cardholders
- Set limits & control spends via net banking
How to Manage Add-on Cards?
- The primary cardholder can enable/disable transactions on the add-on card
- Set spending limits or restrict international transactions
- The primary cardholder’s credit score is affected if the bill isn’t paid on time