Can I have two credit cards from the same bank?
Asha Kannan
Asked 12 Mar 2026
I already have a ICICI Bank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
2 Answers
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.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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