Unlock credit card benefits your whole family can use and save more

Managing a household budget in today’s economy is all about making smarter choices. Whether you're handling school fees, paying utility bills, or stocking up on monthly groceries, stretching every rupee counts. For Indian families looking to cut costs without compromising on quality, an IDFC FIRST Bank Add-on Credit Card provides an easy and effective way to share credit card benefits—and save more—together.

Let’s explore why the IDFC FIRST Bank Add-on Credit Card is a smart choice for families looking to maximise their savings without compromising on convenience.

What is an add-on credit card?
 

An add-on credit card is a supplementary card linked to your existing credit card account. It allows your immediate family members—spouse, parents, or children over 18—to enjoy the same credit card benefits you do, such as discounts, rewards, and offers, without needing to apply for their own credit card.

They can spend independently, but all expenses are billed to a single account. It’s not just convenient—it’s also a practical way to optimise household spending and reduce unnecessary costs.

The cost-saving edge: A financial tool for modern Indian families
 

Mr Nair, an IT professional from Kochi, added his wife and father as add-on cardholders to his IDFC FIRST Bank Credit Card. While his wife uses the card for household shopping and fuel, his father uses it for medical and travel expenses. Since all expenses are charged to a single account with a shared limit, the family can better monitor their spending and avoid overextending.

By using a single account, families like the Nairs streamline their billing and maximise the benefits of their credit card—a true cost-saving financial tool for everyday life.

Shared credit card benefits and simplified budgeting
 

1. Low fees

The joining and annual fees for IDFC FIRST Bank Add-on Credit Cards are as low as ₹499 for most variants (excluding metal credit cards). This makes extending your credit card benefits to your family a low-cost solution. Moreover, it offers immediate savings by removing the hassle of managing separate cards.

For Ashva Credit Card users, the joining fee is ₹2,000 for the metal variant and ₹1,500 for the plastic variant. The annual fee for the add-on card is ₹1,000. For Mayura Credit Cardholders, the joining fee is ₹4,000 for metal variants and ₹3,000 for plastic variants, while the annual fee is ₹2,000.

2. Great rewards and offers
 

You earn 1,000 reward points when you spend a minimum of ₹500 on your first add-on card transaction (within 15 days of issuance). Moreover, the annual fee is waived if you have spent at least ₹60,000 in the previous year for plastic variants or ₹1,20,000 for metal credit cards. The best part? You can activate 10X rewards more quickly through combined spending on the primary and add-on cards.

3. Simplified monthly budgeting

With all transactions recorded in a single monthly statement, tracking personal expenses becomes significantly easier. From groceries to tuition, you know exactly where your money is going—no more second-guessing or juggling bills.

4. Customisable limits and controls

You can set spending limits and category restrictions for each add-on card. This helps keep spending in check and ensures your family enjoys financial independence while staying within budget, promoting responsible financial management at home.

How cashback and rewards help your family save more
 

One of the standout credit card benefits of the IDFC FIRST Bank Add-on Credit Card is the ability to earn cashback and reward points on essential purchases. Think fuel, groceries, dining, and utility payments—every transaction puts money back in your pocket.

Here’s a real-world example –

1. Monthly groceries -  ₹8,000 → ₹400 cashback
2. Utility bills - ₹3,000 → ₹60 cashback
3. Fuel - ₹4,000 → ₹120 cashback

That’s ₹580 per month, or nearly ₹7,000 annually—without doing anything extra. It's like a year-long discount on living costs, simply for spending smarter.

Dining, shopping and travel perks the whole family can enjoy
 

Why limit credit card benefits to just one person in the family? With the IDFC FIRST Bank Add-on Credit Card, your loved ones also enjoy exclusive deals and discounts on restaurants, shopping sites, and even travel bookings.

Take Mrs Iyer from Chennai, for example. She gave her daughter an add-on card when she started college in another city. With a ₹10,000 monthly cap and restrictions on non-essential spending, her daughter used the card for groceries and college materials. Meanwhile, Mrs Iyer earned rewards and cashback on every transaction—all while staying within budget and building her daughter’s sense of financial responsibility.

Full control, strong security—and cost savings
 

Every add-on cardholder can be monitored in real-time via the IDFC FIRST Bank app. You can –

1. Set transaction limits
2. Enable or disable usage for online or international spending
3. Instantly freeze or block the card if needed

This level of control not only protects your finances but also prevents accidental overspending, which helps your household maintain a lean financial approach. In the long run, that’s yet another layer of cost-efficiency your family benefits from.

Standard credit card vs IDFC FIRST Bank Add-on Credit Card
 

From this comparison, it’s easy to see how the add-on card stands out as the more cost-effective and flexible option.

How to apply for an IDFC FIRST Bank Add-on Credit Card
 

Already an IDFC FIRST Bank credit cardholder? Here’s how to apply for an add-on card –

1. Log in to your account via the IDFC FIRST Bank app or website
2. Go to the credit card section and choose ‘Add-on Card’
3. Enter the family member’s details and relationship
4. Upload ID and address proof
5. Set transaction limits and preferences
6. Submit the application

Eligibility – The add-on cardholder must be at least 18 years old and an immediate family member.

Approval is quick, and your add-on card is usually delivered within a few working days.

Why every family needs an add-on card today
 

The IDFC FIRST Bank Add-on Credit Card is designed to deliver genuine credit card benefits that work for the whole family, not just the primary cardholder. From low joining fees and cashback to shared spending and improved oversight, it’s a simple way to support your family’s needs without increasing your financial burden.

You save more, track better, and spend smarter.

Start saving more on your household expenses today with an IDFC FIRST Bank Add-on Credit Card—because your family deserves the best of credit card benefits, without the extra cost.