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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
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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
4 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 31 may 17
73 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.
More info
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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.
More info
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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
21.99% 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%
$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%
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
American Express Platinum Edge Credit Card
APPLY BY 27 mar 17
21 reviews
$0 p.a. annual fee for the first year, then $195 p.a.
5,000 points bonus Membership Rewards points when you spend $750 in 3 months.
0% p.a. on balance transfers for 12 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 20 apr 17
42 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.
More info
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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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