What is an additional cardholder on a credit card?
An additional cardholder is sometimes called a supplementary cardholder and it's when someone you authorise to have their own card linked to your credit card account. This is often a spouse, partner or family member.
- The additional cardholder can make purchases using their own card, with all transactions charged to the primary account holder’s credit card account.
- It can be a convenient way to manage shared expenses, such as household spending or travel, and may help maximise rewards points if your card earns them.
- While the additional cardholder receives their own physical card, they are not legally responsible for the account. The primary cardholder remains fully liable for all charges, including those made by the additional cardholder.
Before adding someone to your account, it’s important to consider whether you trust them to use the card responsibly, as any spending will affect your balance and credit obligations.
