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.

$100 off one Coles Supermarket shop if you apply and are approved by 30th June 2017, and make a purchase within the first 30 days.
Earn 1 flybuys point for every $2 spent – everywhere, everyday.^
Protected by the Coles Shield.
No annual fee to pay, ever.
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extra cardholder fee
max extra cardholders
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HSBC Platinum Credit Card
APPLY BY 31 aug 17
13 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 01 oct 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 01 oct 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.
Low $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 20 sep 17
6 reviews
0% p.a. for 20 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 31 aug 17
No annual fee.
Enjoy 10% cash back on all eligible purchases capped at $50 per month for first 4 months from card approval.
0% p.a. for 6 months on balance transfers.
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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.
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.
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$0 p.a.
Unlimited
20.74% p.a.
ongoing
Westpac Low Rate Credit Card
APPLY BY 28 jun 17
43 reviews
0% p.a. interest on purchases for up to 6 months.
0% p.a. for 12 months on balance transfers.
No balance transfer fee.
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$0 p.a.
1
6 months
0% p.a.
then 13.49%
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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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