Verified 6 Aug
Maya Pereira
Asked 16 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.
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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I currently have a CIBIL score of 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹40,000.
