Best add-on credit card for spouse in India

The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.

The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.

On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.

Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.