Can I have two credit cards from the same bank?
Fahadh Jadhav
Asked 23 May 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
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.
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.
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