Verified 6 Aug
Gita Deshpande
Asked 12 Jun 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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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
glossary
A Mastercard premium tier card.
glossary
A Mastercard basic card.
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
