Credit Cards with Free Additional Cardholders | Apply Online

Credit Cards with Free Additional Cardholders

If your credit card charges you an annual fee for extra cardholders, it could really add up. Start saving with free additional cardholders.

5 reviews
$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.
extra cardholder fee
max extra cardholders
purchase rate
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American Express Qantas Ultimate Credit Card
Apply by 06 nov 19
2 reviews
Get 120,000 bonus Qantas Points when you apply by 6 November 2019, are approved and spend $4,500 on your new Card within the first 3 months.
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
$450 Qantas Travel Credit each year. (Conditions Apply)
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$0 p.a.
4
20.74% p.a.
ongoing
0% p.a. for 6 months on purchases.
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
6 months
0% p.a.
then 13.99%
NEW
Westpac Low Rate Credit Card
Apply by 31 mar 20
38 reviews
0% p.a. for 16 months on balance transfers. Reverts to variable cash advance rate.
Low purchase rate of 13.74% p.a..
Up to 55 days on purchases
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$0 p.a.
1
13.74% p.a.
ongoing
NAB Qantas Rewards Signature Card
Earn up to 120,000 Qantas Points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
Seven complimentary insurances when you make an eligible purchase.
Reduced Annual Card Fee of $295 in first year (reverts to $395 after first year).
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$0 p.a.
1
19.99% p.a.
ongoing
NAB Low Rate Platinum Card
0% p.a. for 15 months on purchases.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
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$0 p.a.
1
15 months
0% p.a.
then 13.99%
0% p.a. for the first 15 months on balance transfers with no balance transfer fee.
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
Receive 30,000 Membership Rewards points or 15,000 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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$0 p.a.
4
20.74% p.a.
ongoing
Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
T&Cs and eligibility criteria apply. Available to new card members only.
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$0 p.a.
4
20.74% p.a.
ongoing
Receive 50,000 bonus Velocity Points when you apply online, are approved and spend $3,000 within the first 3 months. This offer is available to new Card Members only.
Earn 1.25 Velocity Points per $1 spent, except government bodies where you will earn 0.5 Velocity Points per $1 spent.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
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$0 p.a.
4
20.74% p.a.
ongoing
NAB Rewards Signature Card
Earn up to 120,000 points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
Earn triple points when travelling overseas or overseas purchases made here in Australia.
Earn double points on purchases made in major department and hardware stores.
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$0 p.a.
1
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.
4
20.74% p.a.
ongoing
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Q&As about Free Additional Cardholders from customers

Why should I consider adding an extra cardholder?

There are various reasons for having a supplementary cardholder on your credit card account:

  • Convenience: Family finances are consolidated and easier to track. (E.g. cardholder and spouse use a single account.)
  • Insufficient income or lack of credit history: The additional cardholder may have little or no income and credit history. (E.g. a parent supplies an additional card to their child, who is a student or only working part-time.)
  • Poor credit history: It may be that a close family member is unable to get a card in their own name because of a problem with their credit history. (But remember that you are responsible for their debt on your card.)
  • Earn rewards points faster: With more than one person making purchases, rewards points accumulate more quickly and are consolidated into one account.
  • Business credit cards: Trusted employees of a business may receive supplementary cards to manage their business expenses, where the primary account holder is an individual (the business owner) or a company.

Who is responsible for the debt on the card?

The primary cardholder is solely responsible for any debt incurred on the card account. This includes any purchases made or cash advances received by the additional cardholders. Although in practice the account may be managed, and repayments made, by an additional cardholder, the final responsibility rests with the primary cardholder.

Is there a limit to the number of free extra cards on one account?

The limit varies from card to card. Some cards have no free supplementary cards, while others may allow one only, or up to 10 or more, or an unlimited number.

Is there a minimum age for individual cardholders?

Yes. Most card providers require supplementary cardholders to be at least 16 years of age.

Can additional cardholders have online access to the credit card account?

Yes, if the primary cardholder grants them permission and instructs the bank to give them online access.

Do cards with free additional cardholders have the same features as cards where there is a fee payable for additional cards?

Yes. You will find exactly the same range of features – a variety of interest rates and annual fees, balance transfers, rewards points and other complimentary benefits – in both kinds of cards.

Can I set individual credit limits for supplementary cards on my account?

No. The card account has a global limit, which is shared by all cards participating in the account.

Will the primary cardholder’s name appear on the supplementary card?

No. The name on the supplementary card will be the name of the supplementary cardholder. It looks just like a primary card.

Will the supplementary card have the same number as the primary card?

No. Each card on the account has a different number. This helps to identify who made each transaction on the account. The monthly statement should identify the card number used for each transaction.

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. However, being an additional cardholder may be a way of establishing a credit history with an individual bank or card issuer.

What is the difference between a joint account credit card and a supplementary credit card?

A supplementary cardholder is not held responsible for the debt by the issuing bank. But for a joint account credit card, the responsibility for the debt is shared by the joint account holders. This is called ‘joint and several liability’. It means that, in the event of a payment default, each of the account holders could be pursued for a part of the debt or the entire debt. However, the largest Australian financial institutions do not offer joint accounts for personal credit cards, so if you want this kind of account you will be limited to the smaller banks or credit unions.

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