Addon Cards Pro and Cons

[card_enthusiast]

Did somebody provide real pros & cons associated with add-on cards i.e
(1) are Discount offers separately applicable on addon cards
(2) are Lounge access is applicable on addon card if yes then its shared or separated
(3) Will addon card help to build CIBIL score for family members on the name of which card is issued
etc...

 

[hariselio]

i think answers for your questions varies based on the card provider.

i've SBI and CITI add-on card and very recently got HDFC add-on as well. i could use offers independently for CITI add-on, but hdfc is not possible because of same card number.

HDFC shares lounge access between add-on and primary, but SBI is not.

In my case, none of the add-on cards helped in CIBIL in anyway. I know this when i applied car loan on family member name(who had CITI and SBI add-ons for four years at least) and cibil score came as -1. So i had to go with joint loan using my cibil score.

 

[card_enthusiast]

i think answers for your questions varies based on the card provider.

i've SBI and CITI add-on card and very recently got HDFC add-on as well. i could use offers independently for CITI add-on, but hdfc is not possible because of same card number.

HDFC shares lounge access between add-on and primary, but SBI is not.

In my case, none of the add-on cards helped in CIBIL in anyway. I know this when i applied car loan on family member name(who had CITI and SBI add-ons for four years at least) and cibil score came as -1. So i had to go with joint loan using my cibil score.

ok thanx for the info 👍
👍

 

[bhaveshS]

Did somebody provide real pros & cons associated with add-on cards i.e
(1) are Discount offers separately applicable on addon cards
(2) are Lounge access is applicable on addon card if yes then its shared or separated
(3) Will addon card help to build CIBIL score for family members on the name of which card is issued
etc...

3) HSBC

 

[bhaveshS]

3) HSBC

Icici also joins the club

 

[bhaveshS]

to which email id you sent docs for add-on?

I don't have hsbc, i read thread about hsbc addon