Verified 6 Aug
Ankit Srivastava
Asked 14 Mar 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.
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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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 ₹2,00,000.
