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Find out how to get an add-on SBI credit card for your family members. Understand the eligibility criteria, documents required, key benefits, applicable charges, and other details.
Last updated on: March 20, 2026
An add-on SBI Credit Card is a supplementary card issued on the same account as an existing primary SBI Credit Card. It is given to close family members, so they can use the shared credit limit for their own expenses. The primary cardholder remains responsible for repayment. All add-on cards run on the same card network as the primary card and follow the same overarching cardholder agreement and terms.
Eligibility for an add-on card depends on who the primary cardholder is and which family members they want to include. It may also come with some internal status checks.
Must Hold an Existing SBI Credit Card
Only existing SBI Credit Cardholders can apply for add-on cards. There must be an active primary card account before any supplementary card is issued.
Issued Only for Immediate Family Members
You can request Add-on cards for parents, spouse, siblings and children, provided they meet the minimum age requirement.
Minimum Age of Add-on Applicant
The Add-on card applicant must be at least 18 years old to be eligible for issuance of the card.
Account Should be in Regular Status
The primary card account must be in regular’ status as defined by SBI Card’s internal policies. Tthe issuer may decline add-on applications if the account is not in good standing.
Limit on Number of Add-on Cards
Against each eligible primary card, you can apply for up to three Add-on cards on the same account.
Right to Decline Applications
SBI Card may decline any add-on card application as per internal policies and guidelines, even if basic eligibility appears to be satisfied.
The add-on card journey is an end‑to‑end digital process with minimal paperwork. However, certain details and KYC information are still mandatory. You mainly need Aadhaar-based details and a few personal particulars of the Add-on card applicant to complete the application.
Aadhaar card of the Add-on applicant is mandatory to complete KYC verification during the application process.
Full name, date of birth, and gender of the add-on card applicant
Relationship of the add-on applicant with the primary cardholder (such as parent, spouse, sibling or child)
Optional mobile number of the Add-on card applicant (needed for purposes like enabling UPI on RuPay add-on cards with a distinct mobile number)
Email ID of the Add-on card applicant, where applicable
A valid photo of the add-on card applicant, as per specified size and clarity guidelines
KYC verification is typically done digitally through DigiLocker using the Aadhaar details shared, keeping the overall process paperless.
An add-on SBI credit card allows your family members to enjoy card benefits while keeping control and repayments with the primary cardholder.
The Add-on card shares the credit limit of the primary credit cardholder, enabling family members to use the same overall limit for their own spends.
There is no additional issuance or annual / renewal fee levied on Add-on cards, making it a cost‑effective way to extend card access to family.
All transactions on the primary and Add-on cards appear in a single consolidated statement, which simplifies tracking and repayment of family spends.
The primary cardholder can manage card controls and set specific spend limits for each Add-on card. This can be done from the ‘Manage Card’ section on the SBI Card app or website.
Reward points earned on Add-on card spends are added to the reward points accrued by the primary cardholder, allowing faster accumulation of points.
Add-on cardholders may be eligible for domestic airport lounge access benefits in line with the primary card’s proposition.
RuPay add-on credit cards can also be linked to UPI when mobile number conditions are met and submitted at the time of application.
An add-on SBI credit card works within the same credit and feature framework as the primary card, with clearly defined limits and cost structure. There is no separate joining or annual fee for add-on cards, and their usage is governed by the shared credit limit of the primary account.
Add-on cards are issued on the same card network (like Visa, Mastercard, RuPay) as the primary card. They can be used for domestic, international, online and UPI transactions, subject to the relevant switches being enabled.
A single, shared credit limit applies across the primary and all add-on cards. So, the total spending by all users must stay within this overall limit.
Fuel surcharge waiver limits and similar caps are shared between the primary and add-on cards, not provided separately for each card.
You can get a maximum of three Add-on cards issued against each eligible primary card.
The primary cardholder is fully liable for all transactions, usage and payments on the Add-on cards. They receive all related communication on their registered mobile number and email.
You can apply for an add-on card through a fully digital journey using either the SBI Card website or the SBI Card mobile app. The process is designed to be end‑to‑end online with Aadhaar‑based KYC, so there is usually no need for physical paperwork or in‑person visits.
1. Visit the Official SBI Card Website
Go to www.sbicard.com and log in to your SBI Card account using your existing user ID and password as the primary cardholder.
2. Choose the Add-on Card Option
In your logged in dashboard, select the option to apply for an Add-on card as part of the digital flow on the latest version.
3. Enter Add-on Applicant Details
Provide the add-on applicant’s name, date of birth, gender, relationship with you, mobile number (optional), email ID, Aadhaar number and a clear photo as specified.
4. Complete Aadhaar‑based KYC Via DigiLocker
Use the Aadhaar details to complete KYC verification through DigiLocker as instructed during the online process. Aadhaar is mandatory for add-on card KYC.
5. Submit the Add-on Card Request
Review the information entered and submit the application online; SBI Card may then evaluate the request as per internal policies and confirm issuance.
1. Open the SBI Card Mobile App
Log in using your primary card credentials on the SBI Card app installed on your smartphone.
2. Navigate to Add-on Card Section
From the app menu, choose the option to apply for an add-on card, which starts the same end‑to‑end digital process as on the website.
3. Fill Applicant’s Information and Aadhaar
Enter the add-on applicant’s personal details, including Aadhaar number and relationship with you. Upload a suitable photo as per size and clarity guidelines.
4. Complete KYC via DigiLocker and Submit
Carry out KYC verification using DigiLocker and Aadhaar. Then, submit the add-on card request directly in the app.
After approval, the add-on card will be delivered to the primary cardholder’s registered mailing address. All statements and communications continue to go to the primary customer, who remains solely responsible for credit card bill payments.
Reviewer
An SBI add-on credit card is an additional card issued under your primary SBI Card account that lets another approved family member make transactions using the same shared credit limit. It functions like your primary card but the monthly consolidated statement and repayment responsibility remain with the primary cardholder.
Existing SBI credit cardholders can apply for add-on cards for their parents, spouse, siblings or children who are above 18 years of age. This is subject to the bank’s eligibility checks. The primary cardholder must provide consent and the add-on applicant’s Aadhaar or similar KYC details during application.
Add-on cardholders can use credit for purchases, earn rewards and enjoy similar transaction benefits as the primary card. All spends will be reflected in one consolidated statement. Since the credit limit is shared, spending on add-on cards helps reach reward milestones faster, but repayments and dues remain the primary cardholder’s responsibility.
Yes, SBI Card issues add-on credit cards at no additional cost, with no separate joining or annual fee for the supplementary cards. However, standard charges such as interest, late fees or cash advance fees applicable to the primary card apply equally to transactions made using add-on cards.
Log in to your SBI Card online account or mobile app and go to the ‘Add-on Card; section under Services. Fill in the required applicant details and complete teh Aadhaar-based KYC verification through DigiLocker. After submission and verification, the add-on card will be issued under your primary card account and delivered to the registered address.
An SBI credit cardholder can get up to three SBI Add-on credit cards registered under an SBI credit card.
One of the key benefits of an add-on SBI credit card is that the family members of the primary cardholder can reap the benefits available on the primary card.
The primary credit cardholder's credit score is negatively affected if an SBI add-on credit cardholder becomes a defaulter.
SBI does not charge annual maintenance fees on the SBI Add-on credit card.
The SBI Add-on cardholder is by default granted a similar credit limit as the SBI primary credit cardholder. However, the primary cardholder holds power to alter or change the credit limit of the add-on card.
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