Free Additional Credit Cardholders

Updated 6 October 2020

When you apply for a credit card, you will receive one credit card as standard, for your own personal use. However, should you want to add another cardholder onto your account, you will find most card providers allow for this. Unlike a joint cardholder, an additional cardholder is not liable for their spending, and is not assessed for their creditworthiness.

So, what do you need to know about adding an additional cardholder to your account? First up, you will need to check if there is a cost involved. Just as you pay an annual fee as the primary cardholder, you may need to pay an additional annual fee for each additional cardholder. With that in mind though, there are plenty of card providers that allow additional cardholders to be added for free – which is what we’ll be focusing on here.

Well then, why would you want to add an additional cardholder to your account? One of the main reasons to add an additional cardholder would be to enjoy shared access to credit. By giving a card to your partner or any other eligible member of your family, you can simplify your finances by providing access to credit to those who need it – with only one credit card account to keep track of.

However, there are other reasons you may want to add additional cardholders to your account. If you have a rewards card, your additional cardholders could help you earn points faster with their additional spending. Some card providers also extend card features to additional cardholders, allowing them to access many of the same perks as the primary cardholder.

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Adding Additional Cardholders To Your Account

Want to earn points faster? Want to get more value from your card? Want to provide family members access to credit while simplifying your finances? You can do all that and more when you add additional cardholders to your card account. But what about the extra cost? All the cards featured on this page allow additional cardholders to be added for free, so there is no extra cost involved.

Free Additional Cardholder Credit Cards

As the primary cardholder on your credit card account, you can choose whether you want to add an additional cardholder, or even a number of additional cardholders, if your card provider allows for it. Doing this will mean you remain in charge of the account, but your additional cardholders will have their own card to use as and when they need it.

Providing shared access to credit, this could perhaps provide one of your eligible kids a card for emergencies, or alternatively, it could allow your partner to have their own card for day-to-day use. What is worth noting here is that all additional cardholder spending will be added to your account balance, and as primary cardholder, you are legally responsible for paying it off.

So, what can additional cardholders do aside from spend on their card? While each card provider has different rules regarding this, most allow additional cardholders to set and change their own PIN (which is different to yours), order a replacement card, make payments towards the account balance, check their balance and account history, and cancel their card.

Additional cardholders may also benefit from some of the perks provided to the primary cardholder. This could allow them to earn rewards (with points added directly to the primary cardholder’s rewards balance), and to enjoy certain perks, such as lounge access and insurance cover (although this will depend on the card provider).

Benefits of Adding An Additional Cardholder

You can simplify your family finances: Instead of each member of your family having their own credit card account, you have one primary account that provides shared access to all who need it. With just one card account, you only have one repayment date to remember, one balance to keep track of, and one interest rate to be aware of.

You can share access with someone with poor credit: If someone in your family has poor credit and would be unable to get approved for a credit card of their own, you could allow them to use their own card on your account. Be aware that this won’t allow them to build their credit, and of course, you remain liable for their spending.

You can educate your kids about credit: With their own credit card, your eligible kids can learn how credit cards work – and under your guidance, learn how to deal with credit responsibly. That doesn’t mean letting them have unrestricted access to spend as they want. Instead, you can involve them in the process of managing your balance, tracking spending, and budgeting month-to-month.

You can earn more rewards: If you have a rewards card, your additional cardholders could help you earn more points faster. With their everyday spending, points will stack up faster, allowing you to get more value from your rewards program.

You can get more value from your card: While this will depend on the type of card you have, your additional cardholders may be able to enjoy the same perks as you. This could provide them travel insurance on travel purchased using their card, or even access to airport lounges and hotel membership.

Drawbacks of Adding An Additional Cardholder

You could exceed your credit limit: If you don’t manage your account properly, you could find yourself paying out fees for exceeding your credit limit. With multiple users on one account, it becomes even more important to track spending so you don’t spend more than you can afford, or go over your credit limit.

You are liable for additional cardholder spending: As the primary cardholder, you are responsible for all spending on the account. That means, even if your additional cardholder overspends, you are responsible for paying back that debt, and any fees involved.

Your credit may be negatively affected: Whether your additional cardholders are responsible with credit or irresponsible, it is your credit that will be affected. Going over your limit, making a late payment, spending more than you can afford to pay back. This could all affect your credit score.

You could reach your points cap faster: If your card places a points cap on your earn, you may find that you reach that cap faster with additional cardholders on your account. You can, however, avoid this happening by choosing a card with a higher points cap, or no points cap at all.

You may have to pay more to add additional cardholders: Some card providers allow one free additional cardholder, while some provide up to ten. Before adding any additional cardholders to your account, find out what costs are involved, including annual fees and fees to opt in to rewards programs.

How To Make It Work

So, you want to add an additional cardholder to your account. What do you need to do to make it work for you?

Step 1. Choose the right card

Compare your options to find the card that suits your needs – and the needs of your additional cardholders. Keep in mind all costs involved, and read the small print to check whether there are any points caps in place, whether features are offered to additional cardholders, and how many additional cardholders can be added at no extra cost.

Step 2. Keep track of your spending

With multiple cardholders on one account, it’s important to keep a close eye on spending day-to-day. Make use of your card’s app to see how much is being spent on the account every few days, or at least once a week. This not only helps you manage your cardholders’ spending, it can also help you avoid going over your credit limit.

Step 3. Make every cardholder accountable

While this probably won’t be an issue with your partner, it’s probably a good idea to set ground rules if you are adding your kids to the account – especially if this is their first foray into the world of credit. Try involving them in management of the account, tracking spending, and paying the bills at the end of the month. It may be helpful to use the experience to teach them about credit, so they are better prepared when they eventually get their own card in their own name.

When you have joint cardholders on one account, both are assessed for their creditworthiness on application – and both are jointly responsible for any spending on the account. That means, if there is a default on the account, both cardholders are liable. It is worth pointing out that most Australian card providers don’t offer joint accounts on personal credit cards.

Which is why most cardholders who want multiple cardholders on one account nominate one person to be the primary cardholder, and then add the other person as an additional cardholder. When this is the case, the primary cardholder is the one who is assessed for creditworthiness, while additional cardholders simply need to meet the card provider’s age eligibility requirements.

In terms of liability, only the primary cardholder is liable for the account. That means any spending – whether it is done by the primary cardholder or the additional cardholders – is the responsibility of the primary cardholder alone. As for building – or knocking down – credit, only the primary cardholder’s credit will be affected.

If you want to add an additional cardholder to your account, you may be able to do so when you apply for the card – or, you may have to fill in a separate application once you’ve been approved. If you’ve had the card a while, you simply complete the application (either online or on paper, as your card provider allows).

While additional cardholders are not subject to a credit check, they will have to meet your card provider’s eligibility requirements. These may stipulate additional cardholders are residents or citizens of Australia, who are aged 16 or over. In some cases, additional cardholders must be aged 18 or over.

For each additional cardholder, you will have to provide all relevant personal details as requested by your card provider. These will typically include the cardholder’s full name, date of birth, residential address and contact details. Other details – such as employment status and income – may also be required, along with supporting documentation.

Once you have submitted your request, your card provider will assess all the details and documentation provided, to decide whether or not to add your requested additional cardholder to your account. As long as all goes well, your additional cardholder will receive their card in the post within one to two weeks.

You can remove an additional cardholder from your account at any time. You may be able to do this either by calling your card provider, or if there are facilities available, you may be able to process the request online. Your additional cardholder can also cancel their card at any time, should they choose to do so.
Unlike business cards, which allow the primary accountholder to set individual spending limits for each cardholder, with a personal credit card, there is no way to do this. Instead, there is one overall credit limit, which is shared by all cardholders.
No. Each card on the account has a different number. Why? With a different number on each card, it makes it easier to identify who made each transaction on the account. When you receive the monthly statement, you should be able to see which card was used to make each transaction, allowing for easier account management and tracking.

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