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.

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Westpac Altitude Black Credit Card Exclusive Offer
APPLY BY 26 oct 17
EXCLUSIVE OFFER
80,000 + Bonus 20,000 Qantas or Altitude Points. New cards only. Min spend and T&Cs; apply.
$200 off the first year annual card fee (bringing the fee to $195).
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
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$0 p.a.
1
20.24% p.a.
ongoing
HSBC Platinum Credit Card
APPLY BY 31 oct 17
14 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Earn 1 Rewards Point per $1 spent.
Annual fee refunded – a potential saving of $99 a year (conditions apply)
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$0 p.a.
Unlimited
19.99% p.a.
ongoing
The American Express Essential® Credit Card
5 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)
Eligible for use with Android Pay, Apple Pay and Samsung Pay.
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$0 p.a.
4
14.99% p.a.
ongoing
$0 p.a. annual fee.
One low 11.99% p.a. rate on purchases.
Up to 55 days on purchases if you pay your balance in full each month.
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$0 p.a.
8
11.99% p.a.
ongoing
NAB Low Rate Card
APPLY BY 12 nov 17
77 reviews
0% p.a. on balance transfers for 16 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 12 nov 17
0% p.a. on balance transfers for 16 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.
$0 p.a. annual fee.
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$0 p.a.
9
21.99% p.a.
ongoing
St.George Vertigo Platinum Credit Card
APPLY BY 22 nov 17
6 reviews
0% p.a. for 24 months on balance transfers. Reverts to cash advance rate. (2% balance transfer fee applies).
Low ongoing variable purchase interest rate of 12.74% p.a.
Complimentary insurance for overseas travel for 6 months.
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$0 p.a.
3
12.74% p.a.
ongoing
Enjoy $100 back when you spend $500 on eligible purchases in the first 60 days of approval.
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 31 jan 18
No annual fee.
Enjoy up to $50 cash back: 5% cash back on all retail purchases (up to $1000 spend) in the first 90 days from approval.
0% p.a. for 15 months on balance transfers. (1.5% BT fee applies).
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$0 p.a.
4
19.99% p.a.
ongoing
0% p.a. for 12 months for balance transfers and a one-off credit plan establishment fee of 1%.
Start your holiday with a $200 Travel Credit every year.
Range of travel insurances including overseas medical emergency expenses, travel cancellation cover and more.
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$0 p.a.
Unlimited
20.74% p.a.
ongoing
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80,000 + Bonus 20,000 Qantas or Altitude Points.
Plus $200 off the first year annual card fee.
80,000 Qantas or Altitude Points when you spend $5,000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval + BONUS 20,000 Points on card approval.
$200 off the first year annual card fee.
Earn 1.25 pts per $1 spent on the Amex worldwide and 0.625 pts per $1 spent on the Mastercard in Australia.
24/7 Altitude Black Card Priority Service line.
Redeem Altitude points through Altitude Black Travel Service or convert your points into Virgin Australia’s Velocity, Malaysia Airline’s Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
2 complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services.
2 complimentary American Express Sydney international Airport lounge passes.

Promotion: The bonus points promotion is available when you apply for a new Westpac Altitude Black credit card via this page between 4 September 2017 and 26th October 2017. The bonus points will be credited to your points balance as follows: 20,000 points within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. To be eligible, the account must be open and not in arrears at the time of crediting points. Existing Westpac customers who currently hold an Altitude Platinum credit card, or who have held one in the last 12 months are not eligible for this offer. You must be a member of the Qantas Frequent Flyer program to earn Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions.

 

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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