HDFC Add-on Credit Cards

With time, add-on credit cards have become quite popular in India. Also known as supplementary credit cards, these can be issued to the family members of a primary cardholder. HDFC bank offers add-on credit cards to make shopping easy for every member of the family.

These credit cards are not only easy to get but are also free of cost. HDFC add-on credit cards are loaded with benefits and can be obtained easily.

Updated On - 06 Sep 2025
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Features and Benefits of HDFC Add-On Credit Card

  1. The credit limit on the add-on credit cards is shared with the primary card.
  2. HDFC add-on credit card can be used in India as well as abroad for shopping provided the international payment facility is enabled on the primary card.
  3. The waiver limit on fuel surcharge on the add-on card is shared with the primary card.
  4. The statement of the add-on card is sent to the primary cardholder as a single consolidated summary.
  5. It is easy for primary cardholders to monitor the expenses being made on the add-on credit cards.
  6. HDFC add-on credit cardholders can earn reward points that they can use to avail amazing discounts.

Eligibility for HDFC Add-On Credit Cards

To get an HDFC add-on credit card, the applicant has to fulfill the following conditions:

  1. Applicant has to be more than 18 years of age.
  2. Applicant has to be related to the primary cardholder.
  3. Primary cardholders should permit the issuance of the requested HDFC add-on credit card.
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Documents Required for HDFC Add-On Credit Cards

HDFC asks the applicant to submit any of the photo ID documents that have been listed below to get an add-on credit card:

  1. Any government organization ID card with photo and signature of the applicant
  2. PAN Card
  3. Senior Citizen ID Card (if applicable)
  4. Passport
  5. Railway Station Pass ID (recognized by the government)
  6. Driving Licence or Learner's License
  7. Passbook bearing a photo of the applicant
  8. Voter's ID Card
  9. Mediclaim/Insurance photo card
  10. Ration Card (with applicant's name)
  11. OBC photo card
  12. Workplace/College photo ID card
  13. Club membership ID card (with photo of the applicant)
  14. Student ID card (wherever applicable)

Applicants are asked by the bank to submit copies of one of the following documents as a proof of address:

  1. Driving Licence
  2. Property tax receipt
  3. Passport
  4. Society maintenance bill
  5. Telephone bill (BSNL/MTNL)
  6. Water Bill
  7. Electricity Bill
  8. Gas Bill
  9. Bank account statement
  10. Address confirmation by the corporate on company letterhead as valid address proof
  11. Ration card
  12. LIC Premium Receipt
  13. Voter's ID
  14. Company ID card
  15. Letter from the society
  16. Letter from any recognized public authority
  17. Monthly outgoing bill from registered housing society
  18. Mobile postpaid bill
  19. Registration documents/ownership proof copy
  20. Senior citizens card from Indian Railways/Indian Airlines
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How to Apply for HDFC Add-On Credit Card Online

An applicant needs to visit the website, mailer.hdfcbank.com and download the application form. After filling in the details, the applicant can submit it at the nearest HDFC bank.

Fees and Charges for HDFC Add-On Credit Cards

Fees and charges applicable on HDFC add-on credit cards are the same as the ones charged on the primary cards.

FAQs on HDFC Add-On Credit Cards

  • How can I track my add-on credit card application?

    You can call the toll free number 61606161/6160616 to track the status of your application for an HDFC add-on credit card.

  • How is CIBIL score calculated on an add-on credit card?

    The spending history on the add-on credit cards and all the bills related to them are reflected on the primary cardholder's account. Hence, the CIBIL score is calculated on the basis of the consolidated expenses made on the primary card and the add-on cards.

  • Will the credit score of the primary cardholder get affected if the add-on cardholder doesn't make timely payments?

    Yes, the credit score of the primary cardholder will get affected if the add-on cardholder misses doesn't make timely payments.

  • Do add-on cardholders avail the same benefits as the primary cardholders?

    Yes, add-on cardholders can avail the same benefits as the primary cardholders. In rare cases, certain privileges will be limited to the primary cardholders only.

  • How many add-on credit cards can a primary cardholder avail?

    A primary cardholder can avail 1 to 5 add-on credit cards.

  • Should the applicant be related to the primary account holder to avail an add-on credit card?

    Yes, the applicant must be related to the primary account holder to avail an add-on credit card.

  • Should the primary cardholder provide permission for the issuance of an add-on credit card?

    Yes, the primary cardholder must provide permission for the issuance of an add-on credit card.

  • What should be the minimum age of the applicant to avail an add-on card?

    The applicant must be at least 18 years of age to avail an add-on credit card.

  • Can I apply for an add-on credit card on the official website of the bank?

    Yes, you can apply for an add-on credit card on the official website of the bank.

  • Will the fee that is levied on the add-on credit card be the same as the primary credit card?

    Yes, the fee that is levied on the add-on credit card will be the same as the primary credit card.

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