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Credit Cards with Free Additional Cardholders

If your credit card charges you a yearly fee for extra cardholders it could really add up. Compare credit cards with free additional cardholders.

$50 off one Coles Supermarket shop if you apply and are approved by 30th April 2017. New customers only, use promo code 'promo1’.
Earn 1 flybuys point for every $2 spent – everywhere, everyday.^
No annual fee to pay, ever.
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Westpac Low Rate Credit Card Exclusive Offer
APPLY BY 28 jun 17
EXCLUSIVE OFFER
0% p.a. for 24 months on balance transfers.
Low balance transfer revert rate of only 13.49% p.a.
An annual fee of $59 p.a.
More info
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$0 p.a.
1
13.49% p.a.
ongoing
HSBC Platinum Credit Card
APPLY BY 30 jun 17
13 reviews
Earn 1 Rewards Point per $1 spent.
0% p.a. on balances transferred for 15 months.
Annual fee refunded – (conditions apply)
Max credit limits of up to $25,000
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$0 p.a.
Unlimited
19.99% p.a.
ongoing
The American Express Essential® Credit Card
4 reviews
Receive a $50 credit when you apply online, are approved and spend $750 on your new Card within the first 3 months. Conditions apply.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone (Conditions apply)
Works with Apple Pay.
More info
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$0 p.a.
4
14.99% p.a.
ongoing
NAB Low Rate Card
APPLY BY 31 may 17
76 reviews
0% p.a. on balance transfers for 18 months.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
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$0 p.a.
1
13.99% p.a.
ongoing
NAB Low Rate Platinum Card
APPLY BY 31 may 17
0% p.a. on balance transfers for 18 months.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
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$0 p.a.
1
13.99% p.a.
ongoing
No international transaction fees on purchases.
No currency conversion fees.
Low $0 p.a. annual fee.
More info
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$0 p.a.
9
22.74% p.a.
ongoing
St.George Vertigo Platinum Credit Card
APPLY BY 01 may 17
6 reviews
0% p.a. for 12 months on balance transfers.
Complimentary insurance for overseas travel for 6 months.
Low ongoing purchase interest rate of 12.74% p.a.
More info
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$0 p.a.
3
6 months
0% p.a.
then 12.74%
St.George Vertigo Platinum Credit Card Exclusive Offer
3% p.a. for 36 months on balance transfers.
Complimentary insurance for overseas travel for 6 months.
Low ongoing purchase interest rate of 12.74% p.a.
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$0 p.a.
3
12.74% p.a.
ongoing
0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Low 12.49% p.a. ongoing rate on purchases.
Low Annual fee of $58 p.a.
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$0 p.a.
3
12.49% p.a.
ongoing
Citi Simplicity Card
APPLY BY 30 jun 17
No annual fee.
Enjoy up to $50 cash back, 5% cash back on all retail purchases in the first 90 days from account approval.
0% p.a. for 15 months on balance transfers (1.5% BT fee applies).
More info
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$0 p.a.
4
19.99% p.a.
ongoing
$0 p.a. annual fee for the first year, then $195 p.a.
Receive 5,000 points when you apply, are approved and spend $750 on your card within the first 3 months. Conditions apply.
0% p.a. for 12 months for balance transfers and a one-off credit plan establishment fee of 1%.
More info
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$0 p.a.
Unlimited
20.74% p.a.
ongoing
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Q&As about Free Additional Cardholders from Customers

Q: Why do people get extra cardholders?

Most people will have an extra cardholders added to their account because it is convenient for them, they extra cardholder doesn’t earn enough money on their own or they are too young. A husband may get an extra card for his wife (or vice versa) or a mum or dad will get an extra card to give to their 18 year old teenage son or daughter. In a business, directors often get extra cards to give to trusted employees as a way of managing their expenses.

Q: Who is responsible for the card?

The primary cardholder has full responsibility for the spending of the additional cardholder(s).

Q: Will the additional cardholder be able to establish a credit report or improve their credit score?

No, in Australia only the primary cardholder interacts with the credit reporting system.

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