Credit Cards that offer free additional cardholders

There are a number of credit cards in the Australian market that let you add additional cardholders for no extra charges.

What is a credit card that offers additional credit cardholders for free?

These are a group of credit cards that allow you to have someone else access your credit card account for free. Some credit cards will allow you to have one additional cardholder for free, some will allow up to nine.

This feature is particularly useful when you, as the primary cardholder, want to share the benefits of your credit card with an additional family member. You’ll both share the same line of credit and you’ll be able to use the credit card according to your individual needs.

NAB Premium Card - Exclusive Offer

0% p.a. for 24 months on balance transfers
Exclusive to

Offer ends 12 November 2017

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive Balance Transfer Offer

The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to

  • 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee when BT requested upon application.
  • Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
  • Request an additional cardholder at no extra cost.
  • Must apply through to take advantage of this offer.
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What are the credit cards with free additional cardholder?

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Emirates Citi World Mastercard
20.99% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 4 additional cards without paying any additional card fee.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee. Plus, use of the Westpac mobile banking app.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 6 months
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.
ANZ Low Rate
12.49% p.a.
$58 p.a.
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
Westpac Altitude Black - 100k Bonus Points
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Altitude Points when you meet the spend requirement. Ends 26 October 2017.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
$29 p.a.
For customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
Bendigo Bank Platinum Rewards Mastercard
19.99% p.a.
$89 p.a.
Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.
American Express Platinum Business Card
$1,500 p.a.
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Qantas American Express Premium Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
NAB Velocity Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
This dual AMEX and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
Citi Clear Platinum
14.99% p.a.
$99 p.a.
Receive complimentary insurance covers and a 24-hour concierge service. Also enjoy free wine when you dine with the Citibank Dining Program.
American Express Essential®  Credit Card
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB flybuys Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.

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What are the types of credit cards available that offer additional credit cardholders?

Free additional cardholders are offered with a variety of credit card types, the most common being:

  • Platinum credit cards. This feature is most commonly found in Platinum credit cards, as the high annual fee supports the benefit of additional cardholders. These credit cards provide many benefits to its cardholder, but eligibility requirements are normally higher than standard credit cards.
  • Rewards credit cards. Rewards credit cards allow you to have additional cardholders so you can accrue points more quickly. Your whole family can pool in points together. Remember that with reward credit cards you always need to maximise the value from the points earned, relative to the annual fee.

How do free additional cardholders work?

An additional cardholder will get a separate credit card that has access to your credit card account, and any other account that you may have linked to it. They may also have access to your account through online banking, so they can see all of your credit card activity.

As a general rule, banks and financial institutions require the additional cardholder to be over 16 years of age, with some even requiring the cardholder be over 18. As the primary cardholder, you are liable for how the account is used, including purchases made by the additional cardholder.

Usually the easiest way to add another cardholder onto your credit card account is through your bank’s online banking system. You can login and change the details of account. The banks can also provide you with a request form where you can return it in branch, by fax or post.

It takes about two weeks to process an additional cardholder onto your account, and a new card is sent to the primary cardholder’s address after that, which could take a few extra business days to arrive.

Normally, if the additional cardholder you’ve nominated isn’t an existing customer of your bank, then an ID check may be required. Suitable ID documents include passports, birth certificates, driver’s license, medicare cards etc.

How to compare credit cards that offer free additional cardholders

  • The amount of free additional cardholders you can have. Most credit cards allow up to one extra cardholder at no extra cost. So if you want to allocate more than one credit card, you will need to compare more credit cards. If you already have an existing credit card and don’t want to switch then you can usually add more for a fee.
  • Credit limit. Before you set up an additional cardholder, you need to ensure that your spending combined cannot exceed the credit limit. If your credit limit is too small, consider an alternative solution.

Pros and cons of credit cards that offer free additional cardholders


  • Pool your reward points together. This is a great way to accumulate points quickly, which means you can offset some of the spending by redeeming points for rewards.
  • No need to open another account. Manage your finances easier without the need of opening a new account. All your purchases and transactions will be recorded onto the one statement and account.


  • Liability. Be mindful that as the primary account holder, you are liable for all transactions. This means that if the additional cardholder carelessly uses the credit card, ultimately paying it all back is up to you.
  • Harder to keep track of spending. If you’re trying to budget, having an extra spender on your account could make things harder depending on how disciplined they are.

Tips and things to avoid when it comes to credit cards that offer free additional cardholders

  • Cash advances. Cash advances charge an incredibly high rate of interest, so these should be avoided at all costs. Especially if there are multiple cash advances happening at the one time with multiple card holders.
  • Teach your additional cardholder You may know the ins and outs of credit card interest for example, but your 16 year old child may not. This means you should teach them how interest free days work, what purchases are eligible to earn rewards points and more.

How do interest free days work?

Frequently asked questions

To cancel an additional cardholder, please contact your credit card provider to request this.

You will need to contact your bank immediately and report it as lost or stolen. The bank will then cancel the account which means all of those who have access to it will be affected. You can set up a replacement account and reissue the cards.

For security purposes, each cardholder has a different PIN.

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