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Suggest me good add-on credit cards that can co-exist in the same wallet or help build the add-on holders' credit scores

2025

TF Legend
Dear friends,
I am looking to apply for some add-on credit cards for my wife, who resigned from her (good) government job six years ago.

Which of the following credit cards has separate benefits for its add-on cards? I'm looking for ideas. Please note that if the benefits are shared and there is just an increase in the card number, then it has no real impact because we usually stay and travel together. Only I will be using both cards.

This will also help others decide which banks to choose for add-on cards. Many would like to know about add-on credit cards that can co-exist in the primary cardholder's wallet or help build the add-on holder's credit score.

For reference, I currently hold the following credit cards: (in your comment, you can add more banks/cards for others to benefit from it)
-SBI Cashback CC
-SBI SimplySave CC
-AU LIT CC
-HDFC Millennia CC
-HDFC TataNeu Infinity CC
-ICICI Apay CC
-ICICI Platinum CC
-ICICI Coral CC

-Axis Airtel CC
-Axis IOCL CC
-Axis Privilege CC
-IDFC Power+ CC
-IDFC Select CC
-IDFC Virtual CC (will be surrendered soon)
-Indusind Legend CC
-BoB One CC

Thank you for your time and efforts to help me and others.
If you think your detailed answer might devalue the benefits, just mention the card name. I will search for the rest, myself.
 
Last edited:
Dear friends,
I am looking to apply for some add-on credit cards for my wife, who resigned from her (good) government job six years ago.

Which of the following credit cards has separate benefits for its add-on cards? I'm looking for ideas. Please note that if the benefits are shared and there is just an increase in the card number, then it has no real impact because we usually stay and travel together. Only I will be using both cards.

This will also help others decide which banks to choose for add-on cards. Many would like to know about add-on credit cards that can co-exist in the primary cardholder's wallet or help build the add-on holder's credit score.

For reference, I currently hold the following credit cards: (in your comment, you can add more banks/cards for others to benefit from it)
-SBI Cashback CC
-SBI SimplySave CC
-AU LIT CC
-HDFC Millennia CC
-HDFC TataNeu Infinity CC
-ICICI Apay CC
-ICICI Platinum CC
-ICICI Coral CC

-Axis Airtel CC
-Axis IOCL CC
-Axis Privilege CC
-IDFC Power+ CC
-IDFC Select CC
-IDFC Virtual CC (will be surrendered soon)
-Indusind Legend CC
-BoB One CC

Thank you for your time and efforts to help me and others.
If you think your detailed answer might devalue the benefits, just mention the card name. I will search for the rest, myself.
All in your name only ?
Do Mrs 4050 have any card ?
Any previous credit history ?
You already know more than enough, but will suggest based on your answer 🤔
 
I would strongly recommend to not apply add on cards for the above mentioned purposes. First get her 2-3 best cards, and then apply whatever add-ons you want.

Reason: Users faces issue with getting core cards, if already having addon cc
 
All in your name only ?
Do Mrs 4050 have any card ?
Any previous credit history ?
You already know more than enough, but will suggest based on your answer 🤔
& All friends, her card/cibil history for further reference.

1. Her cibil currently showing only two gold loan of few lacs both that she took for me. 8-9 months cibil history. It's an overdraft (secured) gold loan so, no installment required to be paid back before one year (interest rate 8.8%). Her cibil score 760 - 775 (fluctuating, with every new application, because it's new).

2. December, 2024 applied first credit card ICICI Apay but rejected, possibly due to address mismatch (different state) and no usage of that apay account in last 2-3 years, plus no track record.

3. Applied two cc simultaneously in March, 2025, SBI Cashback, and HDFC Pixel Play (it was showing pre-approved LTF), Pixel play rejected instantly. Cashback still on hold. Under processing stage since last 20 days.

Waiting for pre-approved offers from HDFC. Her salary was good enough for all the cards that I am holding these days, but we did not know about the benefits of CC back then.

------
Unnecessary note:
We could have delayed her resignation for few more years but, we are honest people, we did not wanted concerned stakeholders to suffer for our fantasy (personal choice).

Now, due to my stupidity, we are in a financial breakdown (for two more years, maybe), that's another story, irrelevant here.
 
& All friends, her card/cibil history for further reference.

1. Her cibil currently showing only two gold loan of few lacs both that she took for me. 8-9 months cibil history. It's an overdraft (secured) gold loan so, no installment required to be paid back before one year (interest rate 8.8%). Her cibil score 760 - 775 (fluctuating, with every new application, because it's new).

2. December, 2024 applied first credit card ICICI Apay but rejected, possibly due to address mismatch (different state) and no usage of that apay account in last 2-3 years, plus no track record.

3. Applied two cc simultaneously in March, 2025, SBI Cashback, and HDFC Pixel Play (it was showing pre-approved LTF), Pixel play rejected instantly. Cashback still on hold. Under processing stage since last 20 days.

Waiting for pre-approved offers from HDFC. Her salary was good enough for all the cards that I am holding these days, but we did not know about the benefits of CC back then.

------
Unnecessary note:
We could have delayed her resignation for few more years but, we are honest people, we did not wanted concerned stakeholders to suffer for our fantasy (personal choice).

Now, due to my stupidity, we are in a financial breakdown (for two more years, maybe), that's another story, irrelevant here.
Nothing is irrelevant,
You already doing more than enough to get her Card.
Some time , TIME Rules.
All the best 👍
 
Dear friends,
I am looking to apply for some add-on credit cards for my wife, who resigned from her (good) government job six years ago.

Which of the following credit cards has separate benefits for its add-on cards? I'm looking for ideas. Please note that if the benefits are shared and there is just an increase in the card number, then it has no real impact because we usually stay and travel together. Only I will be using both cards.

This will also help others decide which banks to choose for add-on cards. Many would like to know about add-on credit cards that can co-exist in the primary cardholder's wallet or help build the add-on holder's credit score.

For reference, I currently hold the following credit cards: (in your comment, you can add more banks/cards for others to benefit from it)
-SBI Cashback CC
-SBI SimplySave CC
-AU LIT CC
-HDFC Millennia CC
-HDFC TataNeu Infinity CC
-ICICI Apay CC
-ICICI Platinum CC
-ICICI Coral CC

-Axis Airtel CC
-Axis IOCL CC
-Axis Privilege CC
-IDFC Power+ CC
-IDFC Select CC
-IDFC Virtual CC (will be surrendered soon)
-Indusind Legend CC
-BoB One CC

Thank you for your time and efforts to help me and others.
If you think your detailed answer might devalue the benefits, just mention the card name. I will search for the rest, myself.
ICICI shares all the credit history with add on card user as an Authorised user. Don't know about others.
 
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