HDFC is the largest issuer of credit cards in India. The bank offers a variety of credit cards each having unique features and benefits. An Add-on Credit Card, as the name suggests, is the additional benefit provided on existing HDFC Bank Credit Cards. The benefits of this card can be used by spouse, parents, siblings (own brother/sister), daughter and son (above 18 years). These cards have become quite popular in India over time. The procedure of getting these cards is easy with a few documentation and charges. The fees for availing HDFC add-on credit card varies from Rs.125 to Rs.1,000 depending on the type of card. All expenses incurred on this card are billed to the primary cardholder.
Eligibility for HDFC Add on Credit Card
HDFC add- on credit card is issued to those who fulfil the eligibility criteria as follows:
- Age of the add-on card user should be more than 18 years.
- User should be a relative of primary cardholder.
- HDFC add on credit is issued on being permitted by primary card holder.
Features and Benefits of Add on Credit Card
Given below are a few features of HDFC add-on credit cards-
- The credit limit on add on cards is shared with primary cardholder.
- These cards can be used in India as well as abroad for shopping only if international payment facility has been activated on the primary card.
- The details of fuel surcharge waiver on this card are to be shared with the primary card.
- It is easy for primary card holder to get the details of all the expenses being incurred by this card through a single consolidated summary.
- HDFC add on credit cardholders can also earn reward points on using the card while shopping and avail great discounts.
Also Read : Pros and Cons of Add on Credit Cards
How to apply for HDFC add-on credit card?
You can apply for HDFC add-on credit card by downloading an application form online and submitting it at the nearest HDFC Bank branch. You can apply for up to 3 cards using a single form. On the application form, you need to mention the primary HDFC card that you own, credit card number, customer ID, primary card holder’s name and mobile number. Then, you are required to mention the details of the add-on cardholder such as name, date of birth, mobile number, Aadhaar number, PAN, HDFC Bank account number and email ID. You should also tick the box for the relation that you have with the add-on card holder.
Documents required for HDFC add-on card application
| Proof of Identity | PAN Card, Passport, Driving Licence, Voter’s ID, Ration Card, Student ID Card, Employee ID Card, OBC Photo Card, Club Membership Card, Insurance Photo Card, Passbook with photo, Senior Citizen ID Card or any other photo ID Card issued by the Government of India. |
| Proof of Address | Passport, Driving Licence, Telephone Bill, Electricity Bill, Bank Account Statement, Ration Card, Voter’s ID Card, Mobile Postpaid Bill, Gas Bill, Water Bill, Society Maintenance Bill, Property Tax Receipt, etc. |
Things to Keep in Mind before applying for HDFC Add-on Credit Card
Since an add-on credit card is offered as a supplementary benefit on the primary credit card by HDFC Bank, there are a few terms and conditions that the bank wants its users to know-
- Primary card holder can set a sub-limit on his add-on credit cards.
- Sub-Limit of the add-on card should be within the overall credit limit of the primary card.
- Cash withdrawal limit on the add-on card will be the cash limit opted for by the primary card holder or the sub-limit chosen on the add-on card whichever is lower.
- Sub-limit on add-on card can be used only at Point of Sale (PoS) or swipe machine transactions and not for online transactions.
- Sub-limit is set for statement cycles and not for annual spending.
- If the primary user does not choose a sub-limit, a default limit of 100% of the primary card’s credit limit will be set as the spending limit for add-on card.
- The sub-limit can be set or reset any time by calling on the bank’s customer care number.
- The credit limit on add on cards is shared with primary cardholder in the form of sub-limit.
- If no sub-limit is set by the primary cardholder, the entire limit on the primary credit card will be taken as sub-limit for the add-on card.