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Credit cards make purchases and payments simple. They also help us access some attractive rewards, deals, and offers. But, getting a credit card can be tricky. This is where an add-on or additional credit card can come in handy. They are issued against a primary credit card. Let’s say you have a credit card and would like for your son, spouse, or parents to also enjoy the benefits of the card. You can apply for an add-on credit card and the card issuer will send over a supplementary card that can be used by your loved ones. Discover the nuances of add-on credit cards to optimise shared financial management and elevate your credit experience.

How Do Add-On Credit Cards Work

Add-on credit cards are quite similar to the primary card in the way they work.


Here are some points to note:

  • Credit limits are shared between primary and additional cards. You may choose the limit for the add-on card

  • You can monitor add-on card transactions on your app or credit card statement

  • Be cautious as add-on cards impact your credit score. Defaults or high credit utilisation can lower your score

  • Policies vary among issuers, so it is best to check with yours before obtaining an add-on card


Features and Benefits

Here are some of the features and benefits of add-on cards:

Credit Limit Management

Add-on cards share the same credit limit as the primary card. Some issuers allow setting specific limits for each add-on card

Reward Points Accumulation

Reward points accumulate on add-on cards at the same rate as the primary card

Airport Lounge Access

Access privileges vary; some issuers extend benefits to both primary and add-on cardholders

Exclusive Offers

Offers typically apply to both primary and add-on cardholders independently

Cost-Effective Family Solution

Reduces overall credit card maintenance costs within the family. Grants a credit card to minors below 18 years of age.

Features at No Extra Cost

Add-on cardholders enjoy credit card features without additional charges. Primary cardholders can control credit limits on all add-on cards.

Expense Tracking Simplicity

All add-on card transactions appear on the primary account, simplifying expense tracking.

Financial Independence

Grants financial independence to dependant family members.

Things to Keep in Mind While Using this Card

Keeping the following points in mind will help you have a pleasant experience with add-on cards: 

  • Shared Access:

Despite being separate, the primary cardholder has full access to add-on card transactions. Management of credit limit and transaction value cap is often granted to the primary cardholder.

  • Primary Cardholder Responsibility:

The primary cardholder is accountable for the add-on card. Defaulting on add-on card dues affects the primary cardholder's credit score. All associated fees and charges fall under the primary cardholder's responsibility.

  • Credit Score Impact:

Repayments on the add-on card don't contribute to the add-on cardholder's credit score improvement.

Frequently Asked Questions

How many add-on credit cards can I get on a credit card?

The maximum number of add-on credit cards that you can get with your credit card will depend on your credit card type and the issuer’s policies. Generally, you can get 3 to 5 add-on cards per credit card.

Is there any separate PIN for add-on credit cards?

Yes, each card will have its own PIN.

How to cancel add-on credit cards?

The add-on card cancellation process will vary from one card issuer to another. So, it’s best to get in touch with your card provider on how you can go about cancelling your add-on card. On that note, it’s worth keeping in mind that when you close or cancel your primary card, the add-on card will most likely be cancelled too.

How long does it take to get an add-on credit card?

The turnaround time for add-on cards will generally vary from one issue to another. But, you should get it within a week or two. Check with your card issuer to get an exact idea about timelines.

What is the benefit of an add-on card?

An add-on credit card can help you enjoy the benefits of a credit card without going through the hassle of getting a brand-new card. It’s also a great way to manage and track your and your families’ expenses.

How do I get an add-on card?

You can apply for it through your net banking account or by visiting the bank.

How can I cancel/close an add-on credit card?

Closing or cancelling your add-on credit card is quite easy. Reach out to your card issuer and let them know that you’d like to cancel your add-on card. They will guide you through the entire process.

Whose credit score will get impacted if add-on Credit Cards are misused?

Add-on credit cards are linked to the primary credit card and hence, any activity registered on the add-on card will only affect the primary cardholder’s credit score.

How many add-on cards am I allowed to have?

The number of add-on cards that you can get is dependent on your credit card type and the issuer’s policies.

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