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Demystifying Add-On Credit Cards: How to Apply for One?
Posted on Monday, October 30th, 2023 | By IndusInd Bank
Credit cards have become an essential financial tool for many, offering convenience and flexibility in managing expenses. But did you know that you can extend the benefits of your credit card to your family members or loved ones? That’s where an add-on credit cards come into play. In this blog, we’ll demystify what an add-on credit card is and guide you through the process of applying for one, while also highlighting the benefits of IndusInd Bank credit cards at the end.
What Is an Add-On Credit Card?
An add-on credit card, also known as a supplementary or secondary card, is an extension of your primary credit card account. It allows you to share your credit limit with a family member or trusted individual, such as a spouse, child, or parent. Add-on cards are issued under the primary cardholder’s account and offer the same features and benefits.
Benefits of Add-On Credit Cards:
- Sharing Financial Responsibility:
Add-on cardholders can enjoy the convenience of a credit card without the burden of owning a separate account. It’s a great way to teach responsible spending to family members or provide financial support when needed.
- Streamlined Budgeting:
With an add-on card, tracking expenses becomes more manageable, as all charges are consolidated into a single statement. This can be especially helpful for keeping family finances organized.
How to Apply for an Add-On Credit Card?
Different credit card issuing banks or institutions have different processes to apply for an add-on credit card. Although applying for an add-on credit card generally is a straightforward process, it varies from lender to lender.
- Contact Your Credit Card Provider:
Reach out to your credit card issuer, such as IndusInd Bank, to inquire about their add-on card policy.
- Provide Necessary Documentation:
You will typically need to provide identification and address proof documents for the add-on cardholder. Ensure that all documents are in order to expedite the application.
- Fill Out an Application:
Your credit card provider will have an application form for add-on cards. Complete the form, including the details of the individual for whom you want to issue the supplementary card.
- Wait for Approval:
Once you’ve submitted the application, the credit card provider will review it and, if everything is in order, issue the add-on card.
- Activate the Card:
Upon receiving the add-on card, activate it by following the instructions provided. The add-on cardholder can now start using the card within the shared credit limit.
Conclusion
IndusInd Bank offers a wide range of credit cards, each designed to cater to specific needs and preferences. Whether you’re looking for a card with cashback rewards, travel benefits, or lifestyle privileges, IndusInd Bank has you covered. Moreover, the bank provides an efficient process for obtaining add-on credit cards, making it an excellent choice for those who want to share the advantages of their credit card with family members.
In conclusion, add-on credit cards are a valuable tool for managing family finances and providing financial assistance.
To explore a variety of credit card options and the ease of obtaining credit cards, consider the offerings from IndusInd Bank. Get instant approval on your IndusInd Bank credit card application now.
Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.
