HDFC Bank Add-on Credit Cards

Credit cards are one of the best financial instruments ever made, as they not only allow you to use the privileges they provide but also provide access to short-term funds if the need arises. For years, the credit card industry has changed, and many new credit cards with world-class features have been introduced. However, some things have remained the same, like a person’s financial position and credit score requirements. This acts as a barrier for individuals with low starting incomes and students who can not enjoy the privilege of credit cards. Though there are a few cards designed for such individuals, the choices are limited, and the benefits are also limited.

This is where the Add-on cards come into the picture. The Add-on cards, also known as Additional Cards, are issued against the primary credit card. These cards can be issued to the family members of the primary cardholder, and they provide the same benefits and privileges as the primary card. The process to get the Add-on card is very easy, and moreover, these are issued without any charge.

HDFC Bank offers Add-on cards for the family members of the primary cardholder so that they can also enjoy the privileges and benefits. So, if you are already holding an HDFC credit card but don’t know how to apply for an add-on card for your family members, then you have come to the right place. In this article, we are going to talk about everything you need to know about HDFC Add-on credit cards, including their features, eligibility criteria, charges (if any), document requirements, and how to apply for Add-on Cards.

Features of the HDFC Add-on Cards

The features and Benefits of an Add-on card are similar to those of the primary card. The same privileges and the same reward rate are shared with the Add-on cardholders. However, some things come with the Add-on cards, which are:

• The additional cards can be used by the add-on members for international transactions as well.
• Transactions made with the additional cards receive the same reward rate as the primary card, and the cardholder can redeem them as per their choice.
• The primary cardholder has full access to the Add-on cards. Therefore, they can manage the card and keep track of transactions on it.
• The primary cardholder can set the credit limit for the Add-on cards. The primary cardholder can also change the limit for a cash advance, online purchases, and more anytime. The bank may also intervene in the limit on the add-on cards.
• All the bills and monthly statements for the Add-on card are sent to the primary cardholder. Therefore, the primary cardholder will be liable to make payments on behalf of the Add-on cardholders. Also, note that any late payment for the add-on card will impact the credit score of the primary cardholder only.
• The add-on card members can also avail of the airport lounge benefit with the primary cardholder, provided that such benefit is offered with the primary card as well.

Fees and Charges for HDFC Add-on Credit Cards

The fees applicable for any HDFC Add-on credit card are similar to those of the primary 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. However, the annual charges for the HDFC Add-on cards are completely zero as the HDFC Add-on cards are lifetime free. For example, if you apply for the Add-on HDFC Regalia credit card, the charges would be similar to the primary Regalia card.

Charges	Amount
Charges on Revolving Credit	3.75% Per Month (45% Annually)
Cash Advance Fee	2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
Rewards Redemption Fee	Rs. 99 Per Redemption

Eligibility Criteria for HDFC Add-on Credit Cards

The eligibility criteria for applying for the HDFC add-on credit card are very basic but also important. The following are some points 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 HDFC Add-on Credit Cards:

To apply for the HDFC Add-on credit card, the Bank may ask for certain documents required to issue the card. However, if the applicant already has a bank account in HDFC, then the process becomes very easy, and the bank may not ask for any documents, or the requirement for the documents becomes very minimal. But if the applicant does not have an account in HDFC, then the following are some of the documents that are asked for

• Photo ID Proof: PAN Card, Passport, Student ID Card, Voter’s ID, Ration Card, Company ID Card, and Passbook.
• Address Proof: Passport, Driving License, Telephone/Electricity Bill, Bank account statement, Voter ID, Gas Bill, and Water Bill.

How to Apply for an HDFC Add-on Credit Card?

After ensuring that you are eligible for the Add-on card and preparing the required documents, now is the time to apply for the HDFC Add-on credit card. To apply for the card, applicants have two options. The first way is for those applicants who already have a bank account in HDFC Bank, and the other way is for those who do not have an account with the Bank.

Applying With the Bank Account:

If the applicant already has a bank account with HDFC Bank, then they can apply for the Add-on Credit card online on HDFC NetBanking. The process of applying online is straightforward and fast via NetBanking:

– Log in to NetBanking
– Go to the Cards page
– Search for Transact and click on it
– Click on the request Add-on card
– Follow the instructions and add the details asked

HDFC 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 straightforward. The following is the way by which you can change your HDFC Add-on Credit card PIN:

Through ATM:

– Call customer care to get the OTP on your registered mobile number for PIN generation at the ATM.
– Insert your Add-on credit card at the HDFC Bank ATM and choose to create a new ATM PIN using the OTP option
– Enter the OTP received on your mobile
– Set your 4-digit PIN.

HDFC Credit Cards That Offer an Add-on Credit Card Facility

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

Card	Fee Structure	Main Features
HDFC Bank Infinia Credit Card	Interest Rate: 1.99% per month (23.8% annually) Forex Mark-up Fee: 2% of the transaction amount. Cash Advance Charges: NIL	Complimentary Club Marriott membership. Unlimited access to airport lounges. 24×7 global concierge service. Unlimited golf games at leading golf destinations
HDFC Bank Regalia Gold Credit Card	Interest Rate: 3.6% per month (43.2% per annum) Forex Mark-up Fee: 2% of the transaction amount. Cash Advance Charges: 2.5% of the transaction amount or Rs. 500	Complimentary Priority Pass membership. Low international transaction charges of 2%.

Bottom Line

Add-on cards are a great facility for primary cardholders, as they provide the benefits of a credit card while offering financial freedom to family members. These additional cards are especially beneficial for students and young professionals who have little to no income. With add-on cards, cardholders can enjoy the same benefits as the primary card. Moreover, having more than one card in the family can help reach milestone benefits more quickly.