By Kartik Kanwar
Updated On May 20, 2024

Do your parents have a bad credit score and aren’t able to get a credit card for their financial freedom or did your children enter college or a new job with low income and aren’t able to get many credit card options? Then you can give them a duplicate of your credit card and they can enjoy the same benefits as you are, and yes this is possible.

ICICI Bank Add-on Credit Cards

If you are holding an ICICI Bank credit card, then you must be enjoying the privileges and the benefits of the card, like the travel benefits, dining benefits or the golf program, and much more. However, there are many other things that you can do with your ICICI credit card. One of those things is availing of the Add-on card facility. The Add-on card is an additional card or a supplementary card which can be issued to a family member or a related person of the primary cardholder. The Add-on cardholders having the Add-on card can enjoy all the benefits that come with the primary card. Moreover, your family member need not to pay any Annual charge for the card. The ICICI cardholder can get a maximum of 3 Add-on cards for their family members. With the additional card, the cardholder can also get the benefit of reward points or cash back and can use the same for further purchases. If the primary cardholder is getting complimentary lounge access, then the add-on cardholder can also enjoy the same with the primary member.

Features of the ICICI Add-on Cards

If you are an ICICI primary Credit Cardholder, you can opt for an add-on Card facility for your spouse, parents, and even children. The features and Benefits of an Add-on card are similar to the primary card. The same privileges and also the same reward rate is shared with the Add-on cardholders. Following are the features of the Add-on credit cards:

  • The benefits or the privileges offered with the Add-on credit cards are the same as the primary card. So if the primary card offers 5 reward points on online spending or it offers complimentary international lounge access, then the add-on card will also offer the same benefits.
  • The Annual fee for all ICICI Add-on cards is zero, which makes the add-on cards lifetime free cards.
  • The primary cardholder has the option to manage and track the spending made on the add-on credit card.
  • The credit limit for the add-on card can be adjusted by the primary cardholder anytime.
  • The ICICI Bank offers up to 3 add-on credit cards against the primary card. The statement of all the add-on cards will be shared with the primary cardholder as one consolidated statement.
  • The primary cardholder is liable on behalf of all the add-on cardholders and has to make payments for the additional cards.

Fees and Charges for ICICI Add-on Credit Cards

The fees and charges applicable for any ICICI Add-on credit card are similar to 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 ICICI Add-on cards are completely zero as the ICICI Add-on cards are lifetime free. For example, if you apply for the Add-on ICICI Bank Sapphiro Credit Card then the charges for the card would be similar to the primary Sapphiro card. For better understanding following is the table that summarizes some of the charges applicable on the regalia card, which would also be applicable for the Sapphiro Add-on card:

Charges Amount
Finance Charges 3.4% per month (40.8% annually)
Cash Advance Fee 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
Rewards Redemption Fee Rs. 99 Per redemption
Foreign Currency Markup 3.5% of the transaction amount

As mentioned most of the ICICI credit cards have a zero annual fee, however, there are some cards by ICICI that comes with an annual fee for the Add-on cards. Following is the list of such cards:
Add-on Cards Annual Fee
InterMiles ICICI Credit Cards 250
ICICI Bank HPCL Super Saver Credit Card 100
Manchester United Signature/ Platinum Credit Card by ICICI Bank 100
MakeMyTrip ICICI Bank /Platinum Credit Card 250
Emirates Skywards ICICI Bank Emerald / Sapphiro Credit Card 250

Eligibility Criteria for ICICI Add-on Credit Cards

The Eligibility Criteria to apply for the ICICI Add-on credit card is very simple. 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 ICICI Add-on Credit Cards:

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

  • Photo ID proof: PAN Card, Passport, Student ID Card, Voters ID, Aadhaar Card, and Government ID Card
  • Address proof: Passport, Driving License, Aadhaar Card, Bank account statement, Voter ID, and Utility Bills.

How to Apply for ICICI Add-on credit card

If you are eligible to apply for an ICICI add-on card and have all the necessary documents that are required by the Bank, you can easily apply for the ICICI add-on card. Follow the steps below to apply for the additional card:

– Download the application form from the Bank’s website.
– Fill in all the details in the form.
– Attach the required documents asked along with the form.
– Once you are done with the form, you can submit it to ICICI Bank’s branch or the Bank’s email address.

ICICI 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 ICICI Add-on Credit card PIN:

Through ATM:

– Insert your Add-on credit card at the ICICI 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.

Through Netbanking:

– Visit the Bank’s Website
– Log into your net banking account using your credentials
– Under the ‘My Account section, click on the ‘Credit Card’ option
– Select ‘Change PIN’
– The bank will send an OTP to your registered mobile number
– Enter the OTP for authentication and click on ‘Continue’
– You will be redirected to a new page. Now set a PIN.
– Re-enter the PIN and click on ‘Submit’

Best ICICI Add-On Credit Cards

There are many ICICI Credit cards offered by the Bank that come with the Add-on Credit card facility, following are some of such cards:

Card Fee Structure Main Features
ICICI Bank Sapphiro Credit Card Interest Rate: 3.4% per month (or 40.8% per annum)

Forex Mark-up Fee: 3.50% of the transaction amount.

Cash Advance Charges: 2.5% of the total transaction amount (minimum Rs. 300)
Complimentary Lounge Access within and outside India

Complimentary spa sessions at selected domestic airports.

Complimentary golf sessions up to 4 times a month.

24×7 concierge services
ICICI Bank Emeralde Credit Card Interest Rate: 3.4% per month (40.8% per annum)

Forex Mark-up Fee: 1.5% of the transaction amount.

Cash Advance Charges: NIL
Unlimited complimentary domestic and international airport lounge access

Complimentary golf round/lesson on every Rs. 50,000 spent

24×7 concierge service

Insurance Benefit up to Rs. 3 crore.
ICICI Bank HPCL Coral Credit Card Interest Rate: 3.4% per month (40.8% per annum)

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

Cash Advance Charges: 2.5% of the transaction amount or Rs. 300
Save 3.5% on fuel transactions.

Exciting discount offers on dining through the Culinary Treats Programme.

Spend-based renewal fee waiver.
InterMilesICICI Bank Sapphiro Credit Card Interest Rate: 3.5% per month (42% per annum)

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

Cash Advance Charges: 2.5% of the transaction amount or Rs. 300
InterMiles Silver Tier membership

Complimentary DreamFolks membership

One complimentary round of golf for every Rs. 50,000 spent

Dining benefits under the Culinary Treats program.

24×7 concierge service.

Bottom Line

With ICICI add-on cards, the primary cardholder can share the benefits of a credit card with their family members as well. Also, if every family member holds a credit card for themselves, the annual maintenance cost is also increased, whereas with add-on cards family members can enjoy lifetime free credit card benefits. Moreover, the add-on card members can enjoy the same privilege as the primary card.


You can get a maximum of 3 add-on credit cards with one primary credit card. A primary credit card holder can apply for  3 add-on credit cards for their close family.
ICICI bank charges Rs. 99 on every redemption request as a reward redemption fee.
Yes, you can do net-banking with your add-on credit card. As long as net-banking is activated, it can be used by the add-on credit card holders.
As long as the primary credit card has the benefits, add-on credit cards will also give you the same. However, some credit cards do not provide lounge access benefits on add-on credit cards but ICICI Bank allows add-on credit cards to have all the benefits present with the primary card.