Best add-on credit card for spouse in India
Ramadevi De
Asked 14 May 2026
13
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
21
Sudeep Ranjan·24 Feb 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.
21
Siddharth Chauhan·12 Mar 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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