In today’s age, credit cards have become a useful financial tool for individuals and families alike. Many credit card holders may also wonder whether they can extend the benefits of their credit card to their loved ones. This is possible – the main credit card holder, also called the primary cardholder, can assign another individual as the secondary credit card holder. 

However, not everyone fully understands the distinction between a primary and secondary credit card holder, especially when managing responsibilities and benefits are concerned. Here’s a guide on the same.

Understanding Primary and Secondary Credit Card Holders

• A primary credit card holder is the person who applies for the credit card. Upon approval, they are solely responsible for managing the account. 

• The primary cardholder is legally bound to pay off any outstanding balances. This is applicable even if the secondary credit card holder made the transactions.

• A secondary cardholder is an individual who has been granted access to the credit card by the primary holder. 

• Secondary cardholders are also referred as authorised users. They can use the credit card just like the primary holder. However, they do not hold any legal responsibility for the repayment of the debt incurred.

• A primary and secondary credit card holdercan use a single credit card account separately with the help of an add-on credit card.  

An Overview of Add-on Credit Cards

Banks issue add-on credit cards under the primary credit card account. However, it is given to a secondary credit card holder. It allows the secondary holder to make purchases, withdraw cash, and enjoy the benefits associated with the card.

The credit limit on an add-on card is shared with the primary card. So, the total spending limit is divided between the primary and secondary cardholders. This setup can be beneficial for families. With such a setup, parents can provide their children or other dependents with a card for emergencies or daily expenses.  

Roles and Responsibilities of a Primary Card Holder

The primary credit card holder bears the full responsibility of managing the credit card account. This includes:

1. Account Management

The primary holder must manage the credit card account. This includes paying off the balance, monitoring transactions, and keeping the account in good standing.

2. Liability for Debt

The primary holder is legally responsible for repaying any debt on the card. This includes purchases made by secondary cardholders.

3. Credit Score Impact

How each cardholder uses the card directly impacts the primary holder’s credit score. Late payments, high balances, and defaults can affect the credit score negatively. 

4. Setting Limits

The primary credit card holder can set spending limits on add-on cards to control expenses and avoid exceeding the credit limit.

5. Access to Rewards

The primary holder is entitled to all the rewards, cashback, and points earned on the primary and add-on cards.

Roles and Responsibilities of a Secondary Card Holder

A secondary credit card holder enjoys many of the benefits of credit card. However, they also have certain responsibilities:

1. Responsible Usage

The secondary credit card holder should use the card responsibly. They should keep in mind the spending limits and the impact their transactions have on the primary holder.

2. Follow the Limits

If the primary cardholder has set spending limits on the add-on card, the secondary holder must adhere to them.

3. Communication

The secondary holder must have communication with the primary holder. This is particularly relevant in the case of large purchases or issues to avoid misunderstandings.

4. Impact on Primary Holder’s Credit

The spending habits of the secondary credit card holder can impact the credit score of the primary holder. Hence, they must keep this in mind when using the add-on card.

Also Read: Credit Card Repayment- Watch Out For APR Interest

Conclusion

It is important to know the roles and responsibilities of both primary and secondary credit card holders for smooth card management. While the primary cardholder carries legal and financial responsibility, the secondary cardholder must use the card responsibly to maintain a healthy financial relationship. 

Whether you are looking to apply for a credit card or share one with a family member, it is essential to choose the right provider. With IndusInd Bank’s range of Credit Cards, you have access to robust features, rewards, and financial security. By selecting an IndusInd Bank Credit Card, you can enjoy a wide range of benefits while sharing the card with your loved ones.

Apply now for an IndusInd Bank Credit Card now! 

Disclaimer:

The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your 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 making any financial decisions based on the contents and information.

Among the many ways that UPI (Unified Payments Interface) has transformed the way people transact, one of them is the feature to make UPI payments from credit cards. By linking your RuPay credit cardto your UPI, you can pay directly to merchants without having to physically carry your credit card.   

However, there are specific limits to using RuPay credit cards via UPI. Understanding the RuPay credit card limit is crucial for making the most of the benefits of your credit card.

Understanding UPI Transaction Limits on RuPay Credit Card

• When using a RuPay credit card for UPI payments, there are daily transaction limits that users must know. 

• These limits help to protect users from fraudulent activities and to ensure secure transactions. 

• As per NPCI (National Payments Corporation of India), the UPI transaction limit for RuPay credit cards is set at ₹1 lakh per day. This means that you can make UPI payments using your RuPay credit card up to ₹1 lakh in a single day.

• In some cases, the RuPay credit card UPI limit can be extended to ₹2 lakhs per day for specific Merchant Category Codes (MCCs).

• However, it is essential to note that the UPI transactions are also subject to the available credit limit on your RuPay credit card limit. For instance, if your credit limit is ₹50,000, you cannot exceed this amount, even if the UPI daily limit is ₹1 lakh.

• It is also advisable to check with your bank regarding the specific UPI transaction limits applicable to your RuPay credit card. 

Are you wondering how to use your UPI app for credit card transactions? It starts with linking your credit card to UPI. With the IndusInd Bank Platinum RuPay Credit Card, the process is easy, swift, and secure. 

How to Link Your RuPay Credit Card with UPI?

Here’s how to link your RuPay credit cardwith UPI:

1. Download and open a UPI-enabled app. Register on the app by linking your bank account and setting up a UPI ID.

2. Navigate to the ‘Add/Link Credit Card’ option within the app. 

3. Select ‘IndusInd Bank’ as the ‘Credit Card Issuer Bank’.

4. Select IndusInd Bank Platinum RuPay Credit Card.

5. Enter card details, such as the credit card number, expiry date, and CVV. After entering these details, you will receive an OTP (One-Time Password) on your registered mobile number.

6. Verify the OTP to set a UPI PIN for your RuPay credit card.

Benefits of UPI Transactions via Credit Card

Using a RuPay credit card for UPI transactions comes with a range of benefits:

1. Ease of Use

You can easily carry out UPI transactions via your RuPay credit card in just a few clicks. There is no need to carry cash or your physical credit card.

2. Wide Acceptance

UPI has wide acceptance amongst lakhs of merchants across India, both online and offline. You can make payments almost anywhere by linking your RuPay credit card to UPI. 

3. Reward Points

A major benefit of using your RuPay credit cardthrough UPI is the ability to earn reward points. Each time you make a payment via UPI, you can accumulate reward points. 

With the IndusInd Bank Platinum RuPay Credit Card, you can earn 2 reward points for every ₹100 on UPI transactions, and 1 reward point on non-UPI transactions. 

4. Secure Transactions

UPI transactions are secure because of multiple layers of encryption and authentication. This ensures your transactions are safe.

5. Real-time Tracking

UPI apps provide real-time tracking of your transactions. This makes it easier to monitor your spending and stay within your budget.

6. Interest-free Period

When you use your RuPay credit card via UPI, you may still enjoy the interest-free period offered by your bank. This allows you to defer payments without incurring interest. However, you must pay off the balance in full by the due date to enjoy this benefit. 

Also Read: How to Check the Credit Card Due Date?

Conclusion

Understanding the RuPay credit card UPI limit allows you to enjoy seamless transactions and make the right payment decisions. Whether it is earning reward points, enjoying seamless transactions, or managing your expenses, using your RuPay credit card through UPI is a smart financial choice. 

If you are looking to explore these benefits further, consider the IndusInd Bank Platinum RuPay Credit Card. Along with reward points, also enjoy travel insurance coverage, fuel surcharge waiver, protection against loss/ theft of card, and more. 

Apply now for an IndusInd Bank Credit Card! 

Are high-interest credit card debts weighing you down? If you’re seeking a strategic way to manage and reduce your financial burden, a credit card balance transfer might be the solution. This financial tool allows you to move your existing credit card debt to a new card, often with a lower interest rate, helping you save money and pay off your debt more efficiently.

Understanding Credit Card Balance Transfer: A Powerful Debt Management Tool

A credit card balance transfer allows you to move your outstanding debt to a new credit card. This can be from one or multiple credit cards.

Applying for a balance transfer credit card means opening a new credit card account. The specific purpose of this card is to accommodate transferred balances. Banks may offer a balance transfer option with attractive promotional rates. This means that you may not have to pay any interest on your transferred balance for a specified duration. This allows you to focus on repaying the principal amount.

How Does Credit Card Balance Transfer Work

Here’s how to get started with credit card balance transfer.

1. Evaluate Your Current Credit Card Debt

Assess the total debt on your existing credit cards before initiating a balance transfer. This helps you determine how much you need to transfer. It also tells you whether the new balance transfer credit card can accommodate the entire amount.

2. Research for Balance Transfer Credit Cards

Look for balance transfer credit cards that offer favourable terms. Ensure the credit limit on the new card is enough to cover your outstanding balance.

3. Apply for a Balance Transfer Credit Card

Once you have researched the right balance transfer credit card, apply for the one that you find to be the best. Provide accurate information regarding your current credit card balance and the amount you wish to transfer when you apply.

4. Initiate the Balance Transfer

After your new credit card gets approved, you can request the balance transfer. You can do this online or by calling the credit card issuer’s customer service. Provide necessary details, including your existing credit card account numbers and the amount you want to transfer.

5. Monitor the Transfer and Make Payments

Once the transfer is complete, work on repaying the balance on your old credit card. Then, focus on repaying the balance on your new credit card.

Benefits of a Credit Card Balance Transfer: Why Consider It?

Here are the benefits you need to consider:

· Interest Savings

The most significant benefit of a balance transfer is the potential savings on interest. You can transfer your balance to a card with a lower interest rate, which can lower interest outflow.

·  Simplified Payments

A balance transfer allows you to merge multiple debts into one manageable payment. This can make it easier to track your progress and stay on top of your finances.

· Debt Repayment Focus

With a lower interest rate, more of your payment goes toward reducing your debt. This enables you to pay off your credit card balance faster.

· Improved Credit Score

Successfully repaying debt can have a positive impact on your credit score. It reduces your credit utilisation ratio. This shows the lenders you are managing your credit with care.

Things to Keep in Mind: Maximise the Benefits of a Balance Transfer

While a balance transfer offers several advantages, there are a few key points to consider:

• Balance Transfer Fees: Some cards charge a fee for transferring balances, typically a percentage of the amount transferred. Ensure that the interest savings outweigh these fees.
• Promotional Period: The ‘low’ or 0% interest rate is usually temporary. Plan to pay off the transferred balance before the promotional period ends to avoid higher interest rates.
• New Purchases: Purchases made on the new card may not benefit from the promotional rate. Focus on paying off the transferred balance before making additional purchases.
• Credit Limit: Ensure that the new card’s credit limit is sufficient to cover the amount you wish to transfer.

Also Read: How Does a Fixed Deposit Credit Card Work?

The Bottom Line

A credit card balance transfer can be a powerful tool in your debt management arsenal, offering the potential for significant interest savings and a more straightforward path to becoming debt-free. By carefully evaluating your options and adhering to a disciplined repayment plan, you can take control of your financial future.

Choosing the right credit card can be overwhelming. A vast number of credit card options are available in India, each with its own features and benefits tailored to different needs. From travel and dining to shopping and fuel purchases, credit cards have evolved to provide a host of benefits in different categories.

Hence, it is essential to understand your spending habits and lifestyle to select the best credit cards that best suit you. 

This guide will help you navigate the landscape, understand key selection criteria, and explore top offerings from IndusInd Bank.

How to Choose the Best Credit Card in India?

Selecting the ideal credit card requires a thorough assessment of your financial habits and preferences. Here’s a breakdown of essential factors to consider:

1. Assess Your Spending Habits

Understanding your spending patterns is crucial. Are you a frequent traveler, an avid shopper, or someone who dines out regularly? Identifying your primary expenses will help you choose a card that offers maximum benefits in those categories. For instance, travel enthusiasts might prefer cards with air mile rewards, while shoppers might look for cashback or discount offers.

2. Compare Fees and Charges

Credit cards come with various charges, including annual fees, joining fees, and renewal fees. It’s essential to weigh these costs against the benefits offered. Some cards may waive the annual fee if you meet specific spending thresholds, making them more economical in the long run.

3. Evaluate Reward Points and Offers

Many credit cards offer reward programs that let you earn points on every purchase. These points can be redeemed for merchandise, travel bookings, or statement credits. Additionally, look for cards that provide exclusive discounts, cashback offers, or access to special events

4. Check Interest Rates

If you carry a balance on your credit card, the interest rate becomes a significant factor. Lower interest rates can save you money over time. Always compare the annual percentage rates (APRs) of different cards to find the most cost-effective option.

5. Look at Additional Perks (Lounge Access, Insurance, Concierge)

Beyond the basics, many credit cards offer supplementary benefits such as airport lounge access, concierge services, insurance coverage, and more. Evaluate these perks to see which align with your lifestyle and can add value to your overall experience.

To ensure a seamless experience with your credit card, it is crucial to choose the right credit card provider. When looking for the best credit card in India in 2025, consider some contenders from IndusInd Bank. 

Top Credit Card Offerings from IndusInd Bank

Here’s a list of some of the top credit cards offered by IndusInd Bank:

1. IndusInd Bank Platinum RuPay Credit Card

This RuPay Credit Card merges the benefits of UPI (United Payments Interface) and rewards programme into one. Its key features and benefits include: 

• Credit Card enabled on UPI.
• 2 reward points on every ₹100 transaction done through UPI and 1 reward point on non-UPI transactions. 
• 1% fuel surcharge waiver, and more. 

2. IndusInd Bank EazyDiner Credit Card

If you are a food enthusiast who dines out regularly, then this is the card for you. Its key features and benefits include:    

• EazyDiner Prime membership for 12 months, amounting to ₹2,495.
• Guaranteed 25% up to 50% off at over 2000+ restaurants.
• Opportunity to earn 3X EazyPoints, which you can redeem for free luxury stays and meals.
• 2000 welcome bonus EazyPoints.
• EazyDiner Membership and 2000 welcome bonus points on payment of the Card’s renewal fee. 

3. IndusInd Bank Legend Credit Card

Designed for those who demand the best in everything, the key features and benefits of this legend credit card include:

• 1 reward point for every ₹100 spent on weekdays and 2 reward points on weekends.
• Bonus rewards on spending ₹5 lakhs or more in a year.
• 1.8% discounted foreign currency markup on foreign currency transactions.
• Concierge services, airport lounge access, and more.  

4. IndusInd Bank Platinum Aura Edge Visa/Master Credit Card

This contactless credit card offers a host of benefits, including: 

• A variety of reward plans which you can choose as per your lifestyle.
• Opportunity to earn up to 8x reward points on select merchant categories.
• 1% fuel surcharge waiver.
• Travel insurance coverage, and more. 

5. IndusInd Bank Avios Visa Infinite Credit Card

Designed for frequent flyers and those who seek an affluent lifestyle, this ultra-premium credit card offers: 

• 5X Avios points on every ₹200 spent at preferred international destinations.
• 1.5% discounted forex markup.
• Milestone benefits of up to 50000 bonus Avios in a year.
• Host of renewal benefits with the preferred airline loyalty programme.

6. IndusInd Bank Pinnacle Credit Card

If you are looking to earn rewards at an accelerated rate, the Pinnacle Credit Card is the right option with benefits, such as:

• 2.5 reward points for every ₹100 of transactions.
• Comprehensive golf games and lessons. 
• Fuel Surcharge Waiver.
• Complimentary movie tickets of up to ₹7,200. 

7. IndusInd Bank Nexxt Credit Card

This is India’s first interactive credit card, with benefits, such as: 

• Flexibility to select payments through EMI, reward points, or credit.
• 1 reward point for every ₹150 transacted through the card. 
• 1% fuel surcharge waiver.
• Complimentary movie tickets every month, and more. 

Also Read: How To Get a Lifetime Free Credit Card With No Annual Fee In India

Mistakes to Avoid When Selecting a Credit Card

• Choosing a card only because it is called the “best” without checking your spending habits.
• Ignoring annual or renewal fees because the joining offer looks attractive.
• Spending more than you can repay to earn rewards or meet a fee-waiver condition.
• Not checking reward caps, exclusions, expiry dates and redemption rules.
• Applying for several cards without checking your eligibility and existing credit commitments.
• Choosing lounge, travel or dining benefits that you are unlikely to use.
• Treating a credit card as extra income instead of a payment facility that must be repaid.

Summing Up

The best credit card in India is the one that suits your spending and repayment ability. Compare the fees with the benefits, read the applicable terms and choose a card that you can use responsibly. IndusInd Bank offers a diverse range of Credit Cards tailored to suit various lifestyle needs. Whether you are a frequent traveller, a dining enthusiast, or someone who prefers online shopping, there is a card that fits your profile.

 You can apply online for an IndusInd Bank Credit Card through the official digital application journey.

Also Read: Best Credit Cards for International Travel

Frequently Asked Questions

Q1. Which credit card is best for everyday expenses?

It depends on where you spend most often. The Platinum RuPay Credit Card may suit eligible UPI spending, while another card may be better for dining, travel or general rewards.

Q2. What should I check before applying for a credit card?

Check the fees, reward structure, exclusions, interest charges, additional benefits and eligibility criteria. Also see whether the card matches your regular spending.

Q3. Is an annual fee important when choosing a credit card?

Yes. Compare the annual fee and any fee-waiver condition with the benefits you are likely to use. A card is worth considering only when the benefits justify the cost.

Q4. How can I maximise credit card rewards?

Use the card for the categories where it offers rewards, track spending caps and check excluded transactions. Pay the total amount due on time so interest does not reduce the value of your rewards.

Q5. What credit score is required to get a good credit card?

There is no single score that guarantees approval. The bank may consider your credit history, income, existing obligations, repayment behaviour and other eligibility factors.