Credit cards with additional cardholders

A supplementary card is an easy way to double your points potential while you keep control of the account. Compare cards that offer this perk for free.

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% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
Citi Clear Card - Balance Transfer Offer
0% p.a. for 36 months
14.99% p.a.
Offers 0% p.a. on balance transfers for 36 months with no balance transfer fee. Plus, complimentary insurance covers.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
Citi Premier Qantas Card
0% p.a. for 6 months
21.49% p.a.
$175 annual fee for the first year ($350 p.a. thereafter)
Get 100,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
Westpac Low Rate Card
0% p.a. for 28 months with 1% balance transfer fee
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Citi Premier Card - Cashback Offer
0% p.a. for 6 months
21.49% p.a.
$150 annual fee for the first year ($300 p.a. thereafter)
Receive $600 cashback when you spend $4,000 through Apple Pay or Samsung Pay in the first 90 days. Plus, save with a $150 first-year annual fee discount.
Qantas American Express Ultimate Card
20.74% p.a.
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer
6.99% p.a. for 12 months
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Get $400 cashback when you spend $4,000 on eligible purchases within the first 4 months. Plus, a $0 first-year annual fee.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months
0% p.a. for 15 months, reverts to 9.9% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Velocity Platinum Card
20.74% p.a.
Earn 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus, a complimentary return domestic flight per year.

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Most credit cards give you the option of having an additional cardholder so that you can both enjoy the convenience and benefits of your account. If you have a rewards credit card or frequent flyer credit card, you can also earn more points if both you and an additional cardholder make purchases with the cards.

Adding a supplementary cardholder could also mean a second (although usually lower) annual fee. If you want to make the most of this feature without paying more, this guide will help you compare credit cards that offer free additional cardholders. We also go through some important information about getting an additional cardholder and look at what else you should consider so that you can decide if this option is right for you.

What is an additional cardholder on a credit card?

An additional cardholder is another person, usually a spouse or family member, who can use your credit card account to make purchases. Also known as supplementary or secondary cardholders, additional cardholders can often enjoy other account benefits, such as complimentary insurance as well.

Additional cardholders are issued with their own card that’s linked to your account. While they need to follow the terms and conditions set out for the account, only you will be held responsible for managing the account and paying off the balance – even if it’s from purchases they’ve made. This is because the account is legally held under your name. You should talk about payment details directly with your additional cardholder to work out a system that’s fair for both of you. Just remember that the primary cardholder (or main account holder) is legally responsible for the account.

What can an additional cardholders do?

The access and features available to additional cardholders can vary between cards. Usually, they’ll be able to do the following:

  • Make purchases
  • Earn reward or frequent flyer points for eligible spending
  • Check balances and transaction histories
  • Set up and change their own personal identification number (PIN) which is different from yours
  • Make payments towards the account balance
  • Report suspicious transactions and/or lost and stolen cards
  • Order a replacement card
  • Cancel their cards

Additional cardholders may also be able to access benefits such as complimentary insurance and have the ability to redeem reward points. Check your credit card’s terms and conditions or ask your bank for specific details of what features an additional cardholder would get through your account.

What’s the difference between additional cardholders and joint credit cards?

While additional cardholders are able to access your credit card account, you remain responsible for managing it and the details of the account are only listed on your credit history. In comparison, a joint credit card account offers shared responsibility and is listed on both your credit file and the credit file of the other person. There are also fewer credit cards that offer joint applications compared to those that offer additional cardholders.

What are the pros and cons to getting an additional cardholder?

  • Shared access to credit. If your partner or family member doesn’t have a credit card and may not be eligible to get one, adding them to your account could be a convenient alternative.
  • Earn more points. With two people spending on the one account, you could be able to earn more points and get rewards faster.
  • Simple process. It’s relatively easy to apply for an additional cardholder, or to remove one from your account.
  • Account responsibility. As the primary cardholder, you will be legally accountable for all transactions and repayments.
  • Credit history. Details of the credit card will be listed on your credit history, so any issues such as late payments could impact on your credit score. Note that additional cardholders won’t have details of the account added to their credit history.
  • Additional fees. Some credit cards charge an additional cardholder annual fee on top of the regular annual fee you’ll pay for the account. Make sure you check this cost before you request a secondary cardholder to help stay on top of fees.

How can I add an additional cardholder to my credit card?

If you want to get a secondary card for your partner or family member, you’ll need to fill out an application. This could be available through your credit card provider’s website or online banking service. It may also be included when you apply for a new credit card.

To complete the application for an additional cardholder, you’ll need to make sure they meet the eligibility requirements and provide a range of other personal details. These vary between cards but usually include the following:

  • Minimum age. Additional cardholders must be at least 16 years of age. Note that some credit cards have a higher minimum age of 18.
  • Identification. This includes the full name, date of birth, residential address and contact details for the person you want to add as an additional cardholder. They may also have to provide some personal financial details, such as employment status and income.

As part of this process, the additional cardholder also needs to agree to the terms of conditions outlined by your provider. Once you’ve submitted the application and supporting documentation, your credit card provider will review these details. If your request is approved, your additional cardholder should receive their card in around 10 business days.

Getting an additional cardholder for your account can be a convenient way to share your credit card benefits. But it’s important to carefully consider the risks and discuss financial management of the account with your additional cardholder so that you can make this option work for you.

Frequently Asked Questions

How do I remove an additional cardholder?

You can cancel an additional cardholder at any time by calling your credit card provider and requesting the cancellation.

What happens if the supplementary cardholder’s card is lost or stolen?

Either you or your additional cardholder can report a lost or stolen card at any time, either through Internet banking or by calling your credit card provider. Also note that any additional cards linked to your credit card account will get the same security features as your main credit card.

Will my additional cardholder need to know my credit card PIN?

No, additional cardholders will be issued with their own PIN or given the option to set a PIN for their cards.

Can additional cardholders see my transaction history?

This depends on the credit card provider. If your additional cardholder is able to access the account through their Internet banking service, then they will probably be able to see all the account transactions.

Can you set a separate credit limit for an additional cardholder?

While there are business credit cards that offer customisable limits for employees with additional cards, personal credit cards don't offer this feature.

But there are some cards that let you set a spending cap or limit certain types of transactions – such as contactless or overseas payments. For example, you can set limits for international transactions on a CommBank credit card via NetBank or the CommBank App, while HSBC's My Card Controls lets you set a limit per transaction amount. With both these options, the limits you set would apply to both you and any other cardholders linked to the account.

Picture: Shutterstock

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