Credit cards with additional cardholders

An easy way to double your points potential, give a family member financial freedom and more. Compare cards with complimentary supplementary cardholders.


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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.

Compare credit cards that offer free additional cardholders

Data indicated here is updated regularly
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
Qantas American Express Premium Card
20.74% p.a.
Enjoy 80,000 bonus Qantas Points, $200 back and 2 complimentary Qantas Club lounge invitations per year. Ends 2 Feb 2021.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.74% p.a.
A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.
Bankwest Breeze Classic Mastercard
0% p.a. for 26 months with 2% balance transfer fee
10.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
Citi Clear Card
0.9% p.a. for 15 months
0.9% p.a. for 15 months, reverts to 14.99% p.a.
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
American Express Velocity Platinum Card
20.74% 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.
Qantas American Express Ultimate Card
20.74% p.a.
Receive 100,000 bonus Qantas Points and $200 back on your card when you spend $3,000 within the first 3 months. Ends 2 Feb 2021.
Citi Simplicity Card
0% p.a. for 6 months
0% p.a. for 6 months, reverts to 21.49% p.a.
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
American Express Qantas Business Rewards Card
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 2 yearly Qantas Club lounge passes and 3x points on eligible Qantas flights.

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What is a supplementary 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 benefits, such as complimentary insurance as well.

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 should 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 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.

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.

Picture: Shutterstock

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