Best add-on credit card for spouse in India
Yamuna Gupta
Asked 14 Apr 2026
21
I want to issue an add-on card to my spouse on my primary credit card. What are the charges, benefits, and the best primary card for add-ons?
2 Answers
22
Nayanthara Vemuri·23 Apr 2026
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
14
Satish Goel·5 Apr 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.