Add-on credit card: What it is and how to get one

As a credit card holder, you can avail of multiple benefits, such as interest-free loans, cashback, rewards, and discount vouchers. Did you know that you can also share these benefits with your loved ones? With an add-on credit card, you can!

Also known as a supplementary or secondary card, an add-on card is issued against your original or primary credit card. You can take an add-on credit card for your immediate family members, including your parents, spouse, siblings, or children above the age of 18.

Want to know more about an add-on credit card, its benefits, and the process to apply for it? Read on!

What is an add-on credit card?
 

An add-on credit card, or an additional credit card, is issued against a primary credit card and offers all the benefits and features that the primary card offers. Depending on the issuing bank, you can take up to five add-on cards for different family members.

Features of an add-on credit card
 

• The combined credit limit of add-on cards cannot exceed the credit limit of your primary credit card. Usually, the credit limit is divided among the primary and add-on credit cards
• Transactions made through add-on credit cards are reflected in the statement of the primary credit card. The bills are also combined into a single credit card bill
• Any misuse or mismanagement of an add-on credit card may have a direct impact on the credit score of the primary credit card holder
• Any interest or penalty on add-on credit cards is added to the primary credit card statement and has to be borne by the primary credit card holder
• Add-on credit cards offer the same cashback, reward points, and other bonus features as the primary card. The accumulated reward points on an add-on card are redeemable as per the primary credit card terms
• Add-on credit card holders can also use them to withdraw cash from ATMs
• Usually, banks do not charge any joining fee for issuing add-on credit cards. The annual maintenance charge is levied only on the primary credit card and not on add-on cards

How to apply for an add-on credit card?
 

As a primary credit card holder, you can apply for add-on cards for your spouse, parents, siblings, or children. Below are the steps you need to follow -

Step 1 – Visit the official website of your credit card provider

Step 2 – Log in to your account using your unique ID and Password or credit card PIN

Step 3 – Fill up an online form to apply for an add-on credit card

Step 4 – Upload the required documents

Step 5 – Pay the joining fee (if any)

Step 6 – Your add-on card will be dispatched to your mailing address within a few working days

To conclude
 

Getting an add-on card typically means sharing the benefits of your primary credit card with your loved ones. With IDFC FIRST Bank, you can get a credit card suited to your requirements and apply for up to five add-on credit cards on it to gift your family members the financial freedom they deserve. Visit the website for more details.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.