Add-On Card

What is an Add-On Credit Card?

An Add-On Card is a privilege offered to the close family members of a primary credit cardholder. The add-on card comes with the same features of the primary credit cardholder, which can be availed by the closest family member.

Usually, credit card issuers provide two to three cards for free, which means no joining fee or annual fee will be charged on the add-on cards. Some add-on cards do come with a fee ranging from Rs. 125 to Rs. 1,000 depending on the type of card. However, it is much lesser than the annual fee charged for the primary credit card.

Eligibility for Add-On Card

The closest family members of the primary credit cardholder are eligible. However, the closest family member must be above the age of 18. Here is a list of those who can avail an add-on card.

• Parents
• Spouse
• Siblings
• Children
• Parents-in-law
• Sister/Brother-in-law
• Son/Daughter-in-law

3 Must-Knows About Add-On Cards

1. Application

An application has to be filed with the Bank to receive and add-on credit card even if it is offered as complimentary for primary cards.

2. Billing/Statement

The bank will generate one consolidated credit card statement irrespective of the number of the card. This includes all purchases or transactions made on primary as well as add-on cards. The primary cardholder can track all the purchases or withdrawals made by the add-on cardholder. However, the primary cardholder will be responsible for timely payment of any dues.

3. Effect on Credit Score

The primary cardholder is responsible for any payment of dues even if the cash has been consumed by the add-on cardholder. Non-payment of dues on time will reflect on the primary account holder’s account.

Documents Required for Add-On Card

Banks have certain variations in the document submission process. Check with your bank to know the same.

Here is a list of the documents that most of the banks accept:

• Application form for add-on credit card
• KYC documents of the applicant
• Self-attested Identity proof like Aadhar Card, Passport, Driving license, ration card, student ID card, etc.
• Form-60 or PAN Card
• Passport size photo of the applicant