Want to share the benefits of your credit card with your family—without the hassle of applying for multiple new cards? That’s where add-on credit cards come in. Designed to offer financial freedom with control, these secondary cards are issued under your primary credit card account. Whether it’s for your spouse, kids above 18, or even your retired parents, add-on credit cards let you extend your credit limit and lifestyle benefits to them—while you stay in charge.

From dining discounts and reward points to easy spending tracking, add-on cards are a smart way to empower your family while managing all expenses under one account. Let’s break down how they work and why they could be a game-changer for your household budgeting.

Here’s How it Works

An add-on credit card is like a copy of your primary credit card—with its own card number, but linked to the same credit account. The bank issues this card to your family members based on your existing credit profile—no separate credit check or income documents required from the add-on cardholder.

All expenses made via add-on cards are charged to your main account, and you’ll receive a single consolidated bill every month. So whether your sibling is shopping online, your child is paying college fees, or your partner is dining out—you’ll be able to track every swipe from one place.

With IndusInd Bank, you can apply for multiple add-on cards (often up to 3 or more), and they usually come at zero or minimal additional cost. Plus, the benefits of your primary card—such as fuel surcharge waiver, complimentary lounge access, and reward points—are often extended to add-on users too.

Now you can experience our all- new seamless and paperless digital journey to apply for Add-on Credit Card!

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Also Read: How to Use Credit Card

Things to Know About Add-On Credit Cards

While add-on credit cards bring plenty of convenience, there are a few key points you should keep in mind before issuing one.

Credit Limit

Add-on cards share the overall credit limit of the primary card. So if your card has a ₹1,50,000 limit, that’s the total cap across all transactions—whether by you or any add-on holder. To avoid overspending, many banks (including IndusInd) let you set individual spending caps on each add-on card. It’s a handy way to teach budgeting and keep usage in check.

Credit Score

Since all transactions reflect under the primary cardholder’s name, it’s your credit score on the line. If dues from add-on card usage are not paid in full or on time, it can negatively impact your credit history. On the flip side, responsible usage can help you maintain a strong score—but it won’t help the add-on user build their own credit profile, as they’re not the legal account holder.

Are Add-On Cards Right For You?

Add-on credit cards blend convenience, control, and shared benefits, making them ideal for families who want simplified expense management. Whether you’re equipping your college-going child with financial tools, giving your spouse more spending freedom, or covering medical needs for your parents—these cards offer a flexible way to support your loved ones while you stay in charge.

With features like custom limits, shared perks, and no extra paperwork, add-on credit cards from IndusInd Bank make financial inclusion easy and rewarding. Just remember—while the benefits are shared, so are the responsibilities. Use them wisely, and they’ll serve you well.

Having a low CIBIL score does not necessarily mean that one cannot get a credit card. There are some credit card options for individuals with low or no credit history. This article will discuss the various possibilities of getting a credit card even with a low CIBIL score.

Credit Cards for Low CIBIL Score

There is no minimum CIBIL score for a credit card. But if your CIBIL score is below 750, you may find it difficult to get an unsecured credit card from most banks. However, there are some credit card options available for such applicants.

FD-Backed Credit Cards

One of the main options available is fixed deposit (FD) backed credit cards. With these cards, you need to maintain a fixed deposit with the bank that acts as collateral against the credit limit. The credit limit provided is usually a percentage of the deposited FD amount, usually around 60-70%.  For example, if you deposit an FD of Rs. 1 lakh, the likely credit limit provided could be Rs. 60,000 – Rs. 70,000. The advantage is that even with a low CIBIL score, you can get a credit card as long as you maintain the required FD amount. Low credit limit cards 

Some banks may consider applications for credit cards even with low CIBIL scores but will only provide a very low credit limit initially. Over time and with timely repayment, you can look to increase the credit limit through upgrade offers from the bank.

Co-Signed or Family Credit Cards

A co-signed or family credit card allows cardholders to add their family members as additional cardholders to their existing credit cards. This is beneficial for individuals who are not eligible to get a credit card as a primary holder. They can leverage the good credit history and repayment track record of their family member and access their credit card and its benefits. The family member acts as a guarantor for timely repayment.

How to Increase Your Credit Score for Availing a Credit Card?

If you are looking to get a credit card but have a low score currently, here are some tips to improve it –

• Make timely repayment of all existing loans such as personal/home/vehicle loans.
• Avoid maxing out credit limits on existing credit cards.
• Check for any errors on a credit report and get them resolved.
• Limit applying for multiple credit products at once.
• Register for CIBIL reports regularly to monitor the score.
• Maintain a healthy credit utilization ratio below 30% of the limit.
• Show regular savings/investments in bank statements.
• Maintain a stable job profile for at least 2-3 years.
• Build a relationship with the bank for 6-12 months.

Regularly tracking and maintaining a good repayment discipline could help boost the credit score by 50-100 points within 6-12 months in many cases. This makes you eligible for better credit card options from more banks.

Documents Required for Credit Card Application

The basic KYC documents required for a credit card application include, but not limited to –

–              Address and identity proof like an Aadhaar card, Voter ID, Passport etc.
–              Recent salary slips (last 3 months) 
–              Form 16 or ITR for Income proof.
–              Bank account statements (last 6 months)
–              Existing credit report
–              In the case of FD-backed cards, proof of maintained FD

IndusInd Bank offers a 100% digital and paperless credit card application process. You can easily apply for a credit card online in three simple steps and get instant approval.

Conclusion

Having a low CIBIL score need not bar individuals from getting a credit card. With options like FD-backed cards and gradual improvements to credit profiles, you as an applicant can start building your credit history responsibly. Proper management of repayments is important to gain higher eligibility for other credit products going forward. Regular score tracking and dispute resolution help optimize the credit score over the long term as well. You can check offerings from IndusInd Bank for free lifetime credit cards with the best offers. From a completely digital application process and instant approvals to exciting cashback and comprehensive insurance coverage, IndusInd Credit Cards offer a range of benefits.

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

In today’s digital age, more and more people are shopping online. From booking flight tickets and paying bills to ordering groceries and buying electronics, online purchases have become a big part of our lives. While e-commerce offers unparalleled convenience, it also means parting with your hard-earned money. That’s where rewards credit cards come into play. The right online shopping credit card can help you earn rewards with every purchase and get the most value from your spending. Here is the ultimate guide to picking the best credit card for maximising online shopping rewards.

Choosing the Right Card

When it comes to selecting the best credit card for online shopping, the most important factor is the earning rate. Look for cards that offer high rewards in the form of cashback, points, or miles for online purchases. Many credit cards offer 2%-5% back on all online transactions. You should also check the categories that are eligible – most cover purchases from major e-tailers, food delivery platforms, and bill payments but may exclude certain items or websites.

Apart from the earning rate, consider joining bonuses or welcome offers. Some cards provide joining bonuses in rewards points or cashback when you spend a minimum amount within three months. This is an easy way to maximise your rewards right from the start. Check card limits and annual fees as well –online spend-heavy cards often have higher limits for convenience.

Maximising Online Shopping Rewards

Once you have the best credit card for online purchases, focus on maximising your earnings with smart usage. Use the card for as many online transactions as possible – whether it’s monthly budgeting apps, smartphone recharges, rent payments, or clothing purchases. Set the card as the default payment option on all your regular online shopping sites and apps for recurrent bills. You should also look out for category bonuses as some cards offer 10%-15% extra cashback on purchases from select popular e-tailers or food tech platforms.

Redeeming rewards is another important factor. Many cards let you redeem earned rewards in the form of cashback or gift vouchers. The best card for points also has partner redemption options where you can convert points into flight miles, hotel stays, or shopping vouchers for higher value. Always aim to redeem your rewards as and when you accumulate decent amounts rather than waiting indefinitely.

Managing Fees

Most online shopping-focused credit cards are free for the first year to attract customers. However, many cards charge an annual fee of ₹500 to ₹1,500 from the second year onwards. Some may waive the fee if you spend a minimum amount annually. Read terms and conditions carefully to avoid paying unnecessary charges. Also, pay bills on time to avoid late payment penalties which can eat into your earnings. Set autopay reminders if managing payments manually.  

Best Cards for Online Purchases

IndusInd Bank’s EazyDiner card is one of the best cards for maximising credit card rewards. You can enjoy instant discounts on shopping, entertainment, dining, and more with your EazyDiner card. In addition to enjoying benefits on online purchases, you can also make the most of your offline purchases with this card. For every ₹100 you spend on shopping, entertainment, and dining, you earn up to 10 reward points. The best part is that you can easily apply for the card online in three simple steps. The application process is 100% paperless and you can get an instant approval. So, click on the ‘credit card apply online’ option and get your EazyDiner card today!

Conclusion

With responsible usage, the right online shopping credit card can help supercharge your rewards-earning potential. Look beyond joining offers to long-term value and flexibility of redemption options. Always pay bills on time to avoid any fees. Compare multiple cards to find the best fit based on your spending habits and primary online transaction categories. Disciplined usage of rewards cards is a hassle-free way to earn freebies and discounts with every digital purchase.

Apply Now.

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