An add-on credit card is a supplementary credit card issued against a primary credit card. It is a form of secondary or supplementary credit card that allows the primary cardholder to apply for additional cards for their children, spouse, or even parents. The benefits and features of the add-on card are similar to that of the primary credit card, and the number of add-on cards one can own varies from bank to bank, usually between three and five. The add-on cardholder has the same credit limit as that of the primary cardholder and cannot be held legally responsible for credit card payments. All expenses incurred on an add-on card are billed to the primary cardholder, and any delay in payment would reflect in their CIBIL report and affect their credit score. The primary cardholder has the option of tracking all their cards to be aware of the transactions done on their add-on card and control the same. Add-on cards also come with various benefits, such as increased credit limit, accumulate higher rewards, achieve spending milestones easily, and much more. The fees and charges levied on both primary and add-on cards are also similar in most cases.