HDFC Tata Neu Add-on card Query

[newIntern]

I recently got a addon nue infinity card, I read their charges PDF and it seems like it is completely FREE, the limit is same as primary card, expiry date also same, card number is different and I was able to add it to my UPI app.

1. All the points I earn from this card for transactios, will they be added to my account? or will primary card holder will get the points.
2. will I get a separate bill for add-on card or does primary card holder have to pay it?
3. does the limit of add-on card dependent upon primary card? or can i individually get offer to increase the limit.
4. Will i get separate lounge access benefit or is that charge between primary card and add-on card
5. are there any other benefit which are shared between primary card and add-on card?
6. if primary card owner decides to deactivate/close card or upgrade/downgrade it to any other card, will it affect me? will add-on card will also get the upgrade/downgrade?
7. in their PDF they say if any card (primary or add-on) gets lost and had to be blocked, they will also block all linked card (all other add-on and primary card), how come? if they dont share limit and are separate card, why block all cards?


Note 1: I have my own relationship with HDFC as well, I hold nue plus FYF and Millennia LTF. I also hold a savings account from which all these 3 (2 mine & this add-on card) card are connected.

 

[harshgupta940]

I recently got a addon nue infinity card, I read their charges PDF and it seems like it is completely FREE, the limit is same as primary card, expiry date also same, card number is different and I was able to add it to my UPI app.

1. All the points I earn from this card for transactios, will they be added to my account? or will primary card holder will get the points.

They will be combined in one statement and will be credited to the primary card holder's tata neu account

2. will I get a separate bill for add-on card or does primary card holder have to pay it?

No only one bill and will be received on primary holder's account. Either of you can pay obviously through various payment modes

3. does the limit of add-on card dependent upon primary card? or can i individually get offer to increase the limit.

Yes limit of add on is shared and dependent on primary card. And hence the limit will be dependent upon primary card holder's profile and not yours.

4. Will i get separate lounge access benefit or is that charge between primary card and add-on card

No the total quota of the lounge access will combined. (Not personally tested but this is what I know as per my knowledge as I have DCB & it has unlimited lounge)

5. are there any other benefit which are shared between primary card and add-on card?

Yes you can maybe add your card to use on upi if rupay

6. if primary card owner decides to deactivate/close card or upgrade/downgrade it to any other card, will it affect me? will add-on card will also get the upgrade/downgrade?

Yes it will definitely close your card as the entire cc account will be closed

7. in their PDF they say if any card (primary or add-on) gets lost and had to be blocked, they will also block all linked card (all other add-on and primary card), how come? if they dont share limit and are separate card, why block all cards?

Not sure about this as generally when you block and replace only that card is affected maybe someone else can confirm

 

[newIntern]

so the add-on card is not that beneficial to me, I was hoping that I will also get the benefit separate from primary card holder.

No only one bill and will be received on primary holder's account. Either of you can pay obviously through various payment modes

and based on this then total limit is also shared between us? and its not 2 separate card with 2 separate limits?

 

[harshgupta940]

so the add-on card is not that beneficial to me, I was hoping that I will also get the benefit separate from primary card holder.

Add on is technically meant for family only but can be shared with friends. Also add on means that all the responsibility of the credit card is of the primary card holder.

and based on this then total limit is also shared between us? and its not 2 separate card with 2 separate limits?

No your CIBIL etc isn't checked at all for add on so how can they give an additional limit to you, in this way anyone with no credit history or income can get an addon from a HNI and enjoy high CL which no bank would want.

 

[newIntern]

Add on is technically meant for family only but can be shared with friends. Also add on means that all the responsibility of the credit card is of the primary card holder.

is there a way to convert this LTF infinity card to my own card?
my nue + is FYF is the date for fee is on march, a few months back i tried emailing them to make the card LTF and upgrading to infinity but they denied.

 

[harshgupta940]

is there a way to convert this LTF infinity card to my own card?

No you cannot transfer anyone else's card to you as I said your credentials as an individual will matter to the bank for your card.

my nue + is FYF is the date for fee is on march, a few months back i tried emailing them to make the card LTF and upgrading to infinity but they denied.

For infinity you need 1.5lk limit and they might upgrade you from neu+ then. But LTF is rare you still can try again and again by requesting them.