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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.

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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 Balance transfer rate Annual fee
BankSA Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Save with a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus a $0 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 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.
Bank of Melbourne Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
BankSA Vertigo
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.
BankSA Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
St.George Vertigo Classic Rainbow
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Rainbow Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 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.
BankSA No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
St.George No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
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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. Find out what your credit score is.
  • 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

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 20 months with 1% balance transfer fee
$59
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$49
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Suncorp Clear Options Platinum Credit Card
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
0.9% p.a. for 15 months
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover. Ends 16 November 2020.
American Express Velocity Platinum Card
20.74% p.a.
$375
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
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
Bank of Melbourne Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 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
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
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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.

Frequently asked questions

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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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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