Credit Cards that offer free additional cardholders

Want to share your credit card account with a partner or family member without paying an additional fee? Compare your options and learn more here.

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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 reward or frequent flyer credit card, you can also earn more points if both you and an additional cardholder charge purchases to the account.

But adding someone to your credit card account can also lead to an additional annual fee. So if you want to make the most of this feature without paying more, use this guide to compare credit cards that offer free additional cardholders. We also go through important details 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.

Compare credit cards that offer free additional cardholders

Updated February 25th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Westpac Altitude Platinum Velocity - Online Offer
20.49% p.a.
0% p.a. for 20 months
$200 p.a.
Receive 40,000 bonus Velocity Points when you spend $2,000 within 90 days. Plus, a 0% p.a. balance transfer and yearly upgrade vouchers.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
St.George Vertigo Card - Exclusive Offer
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Finder Exclusive
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
American Express Velocity Platinum Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
Bank of Melbourne Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Enjoy 0% p.a. interest for up to 18 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
Bank of Melbourne Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
Bankwest Breeze Classic Mastercard
12.99% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$39 p.a. annual fee for the first year ($79 p.a. thereafter)
0% interest on balance transfers for the first 26 months, with a 2% balance transfer fee. Plus, a discounted first year annual fee.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Bank of Melbourne Amplify Platinum
19.74% p.a.
0% p.a. for 6 months
$99 p.a.
Get $400 e-gift gard when you spend $3,000 on eligible purchases within the first 90 days. Plus, complimentary travel insurance.

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What is an additional cardholder on a credit card?

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Also known as supplementary or secondary cardholders, the term “additional cardholder” refers to a person who can use your credit card account to pay for purchases. In some cases, additional cardholders can also enjoy other benefits, such as complimentary insurance.

Additional cardholders are issued with their own card that’s linked to your account. This means you’ll still be responsible for managing the account and paying off the balance – even if it’s from purchases they’ve made. You can discuss 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 enjoy 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 as the primary cardholder and 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.
  • You’re responsible for the account. 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.

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.

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Credit Cards Comparison

Updated February 25th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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