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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.

$100 off one Coles Supermarket shop if you apply and are approved by 28th Feb 2017.
No annual fee to pay, ever.
Earn 1 flybuys point for every $2 spent.
Up to 62 days on purchases
New customers only.
Promotion
extra cardholder fee
max extra cardholders
purchase rate
apply
Westpac Low Rate Credit Card Exclusive Offer
APPLY BY 30 jan 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
More info
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$0 p.a.
Unlimited
19.99% p.a.
ongoing
The American Express Essential® Credit Card
3 reviews
Receive a $50 credit when you apply online, are approved and spend $750 on your new Card within the first 3 months of Card Membership.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card.
More info
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$0 p.a.
4
14.99% p.a.
ongoing
NAB Low Rate Card
APPLY BY 22 jan 17
73 reviews
0% p.a. on purchases and 0% p.a. on balance transfers for 15 months.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
More info
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$0 p.a.
1
15 months
0% p.a.
then 13.99%
NAB Low Rate Platinum Card
APPLY BY 22 jan 17
0% p.a. on purchases and 0% p.a. on balance transfers for 15 months.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
More info
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$0 p.a.
1
15 months
0% p.a.
then 13.99%
St.George Vertigo Platinum Credit Card
APPLY BY 30 mar 17
6 reviews
0% p.a. for 18 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%
$100 Back to your new ANZ Low Rate Credit Card.
0% p.a. for the first 6 months on purchases from approval.
Low annual fee of $58 p.a.
More info
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$0 p.a.
3
6 months
0% p.a.
then 13.49%
NEW
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
Enjoy $200 travel credit every year.
0% p.a. on balance transfers for 12 months.
10,000 points bonus Membership Rewards points when you spend $750 in 3 months.
More info
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$0 p.a.
Unlimited
20.74% p.a.
ongoing
Virgin Money No Annual Fee Credit Card
APPLY BY 28 feb 17
12 reviews
$0 annual fee for the life of the card.
0% p.a. for 18 months on balance transfers. 2% balance transfer fee applies.
$100 cashback on your card when you spend $2,000 or more in the first 3 months.
More info
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$0 p.a.
4
18.99% p.a.
ongoing
Westpac Low Rate Credit Card
APPLY BY 30 jan 17
42 reviews
1% p.a. interest on purchases for up to 12 months.
0% p.a. for 16 months on balance transfers.
No balance transfer fee.
More info
Add to comparison
$0 p.a.
1
12 months
1% 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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