Best add-on credit card for spouse in India
Shruti Mishra
Asked 16 Mar 2026
26
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
14
Raima Bhatt·26 Mar 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.
9
Ritika Tiwari·26 May 2026
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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