By vaibhav singh
Updated On April 17, 2023

Axis Bank is one of the major credit card issuers in India and offers a wide range of services including credit cards. The Bank is trusted by millions of customers who enjoy using the privileges and benefits associated with the Axis Bank Credit Card. If you hold any Axis Credit card then the bank provides you the facility to share your card as a duplicate with your family members. This can be done with the Axis Add-on cards. With an add-on card, you can share the same benefits and even the same reward rate with your family members. The card is issued against the primary card and has the same features as the primary card. With your Axis Bank Credit Card, you can apply for up to 4 Add-on credit cards. You can get the add-on card for your spouse, parents, siblings, and your children.

axis bank add-on-credit cards

With the Axis Add-on card, your family member can enjoy the same experience that you get with your primary card. If your card offers complimentary lounge access then you can get the same with them. Also, if your card supports international transactions, then the add-on card can also use the card for international purchases. Moreover, add-on cards are very beneficial if your family member loves shopping, as the card will also reward them with reward points or with cashback. Not only this, the Axis Add-on credit cards come with zero cost and with zero annual fee, which makes them lifetime free. To know more about Axis Bank Add-on credit cards, keep scrolling.

Features of the Axis Add-on Cards

The features and Benefits of an Add-on card are the same as the primary card. Moreover, the responsibility of handling an add-on card is completely on the primary cardholder. Following are the features of the Axis bank Add-on card:

  • The Axis Bank add-on cards come at zero cost, as they are issued without any cost, moreover, the annual fee of the add-on cards is also zero which makes them free for a lifetime.
  • The primary cardholder can get up to 4 add-on credit cards, and for all additional cards, the bank will share one consolidated statement with the primary cardholder.
  • The primary cardholder is liable to settle the bills generated for the add-on cards and will be liable in case of any dispute.
  • The credit limit for the add-on cards can be shared with the primary cardholder and can be adjusted anytime by them.
  • The application process for axis add-on cards is very simple and quick as there is a minimal requirement of paperwork.
  • The primary cardholder can manage the add-on card and can also restrict the usage of the card in certain categories.

Fees for Axis Add-on Credit Cards

The fees applicable for any Axis Add-on credit card are similar to the primary Axis card. Therefore all the charges on the card like finance charges, cash advance fees, late payment fees, etc. would be the same as the primary card. But the issuance cost of an add-on credit card is completely zero and also there is no annual charge applicable. Therefore, the Axis Add-on credit cards are lifetime free. However, other charges still apply. For example, if you apply for an add-on card against the primary Axis Bank SELECT Credit Card then the charges applicable on the card will same. For better understanding, the following are some of the charges that are applicable for the SELECT card and the same would apply to the add-on credit card:

Charges Amount
Finance Charges 3.49% per month (40.8% annually)
Cash Advance Fee 2.5% of the amount withdrawn or Rs. 250 (whichever is higher)
Rewards Redemption Fee NIL
Foreign Currency Markup 3.5% of the transaction amount

Eligibility Criteria for Axis Add-on Credit Cards

Following are the Eligibility Criteria you must keep in mind before applying for the Add-on card:

– The applicant for the Add-on card must be above 18 years of age.
– The applicant must be related to the primary cardholder.
– The Primary cardholder must maintain a good credit score.
– The applicant must have the consent of the Primary cardholder.

Documents Required for Axis Add-on Credit Cards:

Following are the documents that are required to apply for an Axis Bank add-on credit card:

  • ID Proof: PAN Card. Passport, Voters ID, Ration Card, Aadhaar Card, or Driving License.
  • Address proof: Passport, Ration Card, Driving License, Copy of Utility Bills, Bank account statement, or any other valid government-issued address proof.

How to Apply for Axis Add-on credit card

Now we know about the eligibility criteria and the documents required to apply for the Axis Add-on credit card, now let’s understand the process of applying for the same. Following are the steps to apply for an Axis Add-on credit card:

– Download the Application form for Add-on cards.
– SMS ADDON to +91 8691000002 or to 56161600
– Fill out the form and ready the documents.
– Visit the bank’s branch and submit the documents.

Axis Add-on Credit Card PIN generation

The PIN for the Add-on credit card is sent to the cardholder along with the Add-on card. The PIN for the card will be different from that of the primary card. If you want to change the PIN for your Add-on card, then the process is very simple. Following is the way by which you can change your Axis Add-on Credit card PIN:

Through ATM:

– Insert your Add-on credit card at the Axis Bank ATM
– Enter Date Of Birth, Card Expiry Date & Registered Mobile No.
– Enter activation code / OTP
– Set your 4-digit PIN.

Best Axis Bank Add-On Credit Cards

There are many Axis Credit cards offered by the Axis Bank that come with the Add-on Credit card facility, following are some of such cards that offer great benefits and must be considered:

Card Fee Structure Main Features
Axis Bank Magnus Credit Card Interest Rate: 3.0% per month (or 42.58% per annum)

Forex Mark-up Fee:
 2% of the transaction amount.

Cash Advance Charges: NIL
Unlimited domestic airport lounge access every year.

Unlimited complimentary international lounge visits every year with Priority Pass.

Discounted stays at Oberoi Hotels.

Travel-related insurance benefits24×7 dedicated concierge service
Axis Bank Select Credit Card Interest Rate: 3.6% per month (52.86% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 250 (whichever is higher)
6 complimentary international airport lounge access

2 complimentary domestic lounge access

6 complimentary golf rounds every year

Comprehensive insurance cover

24×7 concierge service
Flipkart Axis Bank Credit Card Interest Rate: 3.4% per month (49.36% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the transaction amount or Rs. 500
4 complimentary domestic airport lounge access.

Welcome benefits from Myntra, and Swiggy.

5% cashback on Flipkart and Myntra.

4% cashback on preferred partners including Swiggy, Uber, PVR, and
Axis Bank Vistara Infinite Credit Card Interest Rate: 3.6% per month (52.86% per annum)

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: 2.5% of the transaction amount or Rs. 500
Complimentary Business Class ticket voucher as a welcome gift.

Complimentary Club Vistara Gold membership.

Complimentary domestic lounge access

24×7 concierge service

Air accident cover up to Rs. 2.5 crore.

Bottom Line

If someone from your family is senior citizen or if your child is in college then the add-on card facility would be very beneficial for them. The card offers the same benefits and rewards to your family members at zero cost. Also, if your card is enabled for international transaction, then add-on cardholder may also enjoy the benefit of the same.


Reward redemption fee is charged by the bank to redeem the rewards. Whenever you make a request to redeem the point you have accumulated, you will have to pay this fee.  With Axis bank add-on credit cards, you don’t have to pay the reward redemption fee.

Yes, add-on credit cards are free or they do not occur any joining / renewal fee to the primary holder.

Yes, the pin on the add-0n credit card will be different from that of your primary credit card. You can even change the pin for the add-on credit card whenever you want.

Yes, add-on credit cards can help you make international transactions. However, how much you can transact depends on the limit set by either default or the primary account holder.