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Providers that allow joint credit card accounts

Find out which banks offer joint credit cards so you can share an account with your partner.

Updated

Only a few credit card providers in Australia allow you to apply for a joint credit card with your partner or a family member. With this option, both people get access to all the credit card's features and share responsibility for managing and paying off the account.

Use this guide to compare credit card brands that offer joint accounts and weigh up the pros and cons of getting a credit card with another person.

Financial institutions that allow joint-account holders

The following table outlines different banks that accept joint credit card applications. Where possible, we have included specific conditions for the application process.

Banks that allow joint-account holdersConditions
St.GeorgeYou can only request a joint application in a branch or over the phone. Joint accounts are not eligible for balance transfers.
Bendigo BankAll joint account applications must be opened in a branch.
BankSAYou can only request a joint application in a branch or over the phone. Joint accounts are not eligible for balance transfers.
Hume BankYou can apply for a joint account online or by downloading and filling in the joint credit card application form that's available on the Hume Bank website.
Community FirstThe online application includes a section for additional applicants. The Community First website also includes a downloadable application form with the option of a joint applicant.
People's Choice When you apply for a credit card online, you will be asked how many people are applying. This gives you the option to select two people if you want a joint credit card account.
Bank of MelbourneYou can only request a joint application in a branch or over the phone. Joint accounts are not eligible for balance transfers.
Heritage BankYou can apply in a branch or call 13 14 22 and apply over the phone, as long as both of the joint applicants are present at the time of the application.
Bank Australia When you apply online, you can select between one or two applicants.
The downloadable credit card application form on the Australian Military Bank website includes a section for the second applicant.

Compare credit cards that allow joint applications

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
BankSA Amplify Platinum - Bonus Points
19.74% p.a.
0% p.a. for 6 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 100,000 bonus Amplify Points (70k in the first year & 30k in the second year) when you spend $6k/year for the first 2 years. Ends 2 June 2020.
Bank of Melbourne No Annual Fee Card
20.74% p.a.
6.99% p.a. for 12 months
$0 p.a.
Enjoy up to 55 days interest-free on purchases and ongoing $0 annual fee. Plus, mobile payment compatibility.
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. Ends 2 June 2020.
Hume Value Visa
11.95% p.a.
$0 p.a.
A no-frills, basic credit that offers up to 55 days interest-free on purchases and $0 for additional cardholders.
Australian Military Bank Low Rate Visa Credit Card
11.99% p.a.
0% p.a. for 12 months
$49 p.a.
Enjoy a 0% p.a. for 12 month balance transfer offer with no BT fee, up to 45 days interest-free on purchases, add an additional cardholder for $0.
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. Ends 2 June 2020.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate. Ends 2 June 2020.
BankSA Vertigo
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Enjoy a 0% p.a. interest rate for up to 18 months on balance transfers. Plus, a low annual fee and purchase interest rate. Ends 2 June 2020.
BankSA 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. Ends 2 June 2020.
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. Ends 2 June 2020.
St.George Vertigo Classic Rainbow
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community. Ends 2 June 2020.
St.George Rainbow 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)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community. Ends 2 June 2020.
BankSA No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee. Ends 2 June 2020.
St.George No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer. Ends 2 June 2020.
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How do joint credit card accounts work?

A joint credit card gives you and another person equal account access and status. This means you can both use the card and both share financial responsibility for the account.

When you apply for a joint credit card, the issuer will consider the personal and financial details of both you and your partner. If your joint application is approved, the details of the account are listed on both your credit files and can impact on your individual credit ratings.

What are the pros and cons of a joint credit card account?

Pros

  • Can help get your application approved. If you have a poorer credit score and credit history than your partner, a joint credit card application can improve your chances of getting approved. This is because the credit card provider will assess both applicants jointly and a strong credit score can balance out the weaker one.
  • More flexible credit limits. The combined income of two people usually results in a higher credit limit or a more flexible one than the limit you might be offered when you apply individually.
  • Can improve your credit score. If you're approved for a joint credit card account, you can use it to help repair your credit score (or your partner's credit score) by making payments on time and avoiding carrying debt. Learn more about how to improve your credit rating.
  • Reduces bills and fees. Having a joint credit card account means you get one bill each month instead of two or more. This makes it easier for you to manage shared bills and also saves on costs such as interest and annual fees.

Cons

  • Limited options. Not all credit card brands offer joint credit card accounts, which means you will have fewer options to choose from and compare.
  • Application risks. If you or your partner has a bad credit score, your application for a joint credit card could be declined. This is because the credit card provider will assess both applicants jointly and a bad credit score can outweigh an average or good one. In this case, the result could be a rejection for both applicants and a black mark on both your credit reports. Learn more and check your credit score for free.
  • Overspending. With two people spending on one card at the same time, there is a higher change of going over your credit limit. Make sure you both track the account balance and share spending details so that you can avoid fees and other issues that can come from maxing out a card.
  • Shared debt. Sharing legal responsibility for the joint account credit card means you also run the risk of taking on debt that is not your own. If one party is not able to manage spending and repayments responsibly, both cardholders will suffer the consequences for it – including possible legal repercussions and a bad credit rating.

What other options are there for sharing a credit card account?

Most credit card issuers give you the option of requesting a supplementary or additional card for someone. In this case, you become the "primary cardholder" and your partner becomes a the "secondary cardholder".

This means you are the only person responsible for managing the account. The supplementary cardholder, on the other hand, is just an “authorised user” and has no liability for any debt owing on the credit card.

Compare credit cards that offer free additional cardholders

Joint account credit cards are a handy tool for couples who want to share a budget and take on the equal responsibility of a credit account. However, as not every bank offers joint bank accounts, you’ll need to compare your options to determine which card is right for you and your partner.

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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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