Verified 6 Aug
Riddhi Pal
Asked 19 May 2026
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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A Mastercard premium tier card.
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I just made a big purchase on my ICICI Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
