SBI Add-on Credit Card - Share Benefits, Zero Fees

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Features of SBI Add-on Credit Card

Lifetime Free with No Additional Costs: The SBI Add-on Credit Card is completely free of cost with no joining, annual, or renewal fees, making it a cost-effective option for families.
Shared Credit Limit: Operates under the primary card's credit limit with the flexibility to set specific spending limits for add-on cardholders.
Consolidated Billing: All transactions from primary and add-on cards appear in a single monthly statement for easy tracking and management.
Reward Points on Every Transaction: Add-on cardholders earn the same reward points as the primary card, contributing to the primary account's rewards balance.
Access to Exclusive Offers: Add-on cardholders enjoy the same discounts and promotions as the primary cardholder across SBI's partner network.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500-₹4,000, shared with the primary card's benefits.

International Transaction Capabilities: Can be used globally when international transactions are enabled on the primary card.
Contactless Payments: Supports tap-and-pay technology for secure, convenient transactions.
Airport Lounge Access: For premium cards, add-on cardholders may receive complimentary lounge visits.
Flexipay and EMI Conversion: Add-on cardholders can convert large purchases into EMIs, just like the primary cardholder.
Enhanced Security Features: Includes chip-and-PIN technology, fraud liability cover up to ₹1 lakh, and emergency card replacement.
Easy Application Process: Digital KYC through DigiLocker makes application quick and paperless.
Customizable PIN: Add-on cardholders can set their own secure PIN for transactions.
Wide Range of Eligible Cards: Available for most SBI card variants including PRIME, Elite, Cashback, and Air India cards.
International Transaction Capabilities: Can be used globally when international transactions are enabled on the primary card.
Contactless Payments: Supports tap-and-pay technology for secure, convenient transactions.
Airport Lounge Access: For premium cards, add-on cardholders may receive complimentary lounge visits.
Flexipay and EMI Conversion: Add-on cardholders can convert large purchases into EMIs, just like the primary cardholder.
Enhanced Security Features: Includes chip-and-PIN technology, fraud liability cover up to ₹1 lakh, and emergency card replacement.
Easy Application Process: Digital KYC through DigiLocker makes application quick and paperless.
Customizable PIN: Add-on cardholders can set their own secure PIN for transactions.
Wide Range of Eligible Cards: Available for most SBI card variants including PRIME, Elite, Cashback, and Air India cards.
Primary Cardholder Control: The primary cardholder can monitor all add-on card transactions, set spending limits, and block the card if needed through the SBI Card app or website.
Emergency Services: Includes 24/7 helpline (1860-180-1290) for lost card reporting, emergency cash advance, and global card replacement.
Utility Bill Payments: Add-on cardholders can pay utility bills and earn reward points when using standing instructions.
Golf Privileges: For premium cards, add-on cardholders may access golf benefits like complimentary green fees.
Hotel Discounts: Special discounts at partner hotels are extended to add-on cardholders when booking with the card.
Balance Transfer Facility: Add-on cardholders can transfer balances from other cards to the SBI card at lower interest rates.
Cash Withdrawal: Allows cash advances from ATMs worldwide, though interest applies immediately from transaction date.
Insurance Benefits: Some cards extend travel insurance or purchase protection to add-on cardholders.

Benefits of SBI Add-on Credit Card

Seamless Sharing of Credit Card Privileges: Family members enjoy the same features as the primary cardholder, including rewards, discounts, and cashback offers.
Lifetime Free with No Additional Costs: No joining fees, annual fees, or renewal charges, making it economically beneficial for families.
Simplified Application Process: Easy online application through SBI Card website or mobile app with digital KYC via DigiLocker.
Shared Credit Limit with Flexible Control: Primary cardholder can set spending limits for add-on cards to manage family expenses effectively.

- Consolidated Billing for Easy Management: Single monthly statement for all cards simplifies tracking and ensures timely payments.
- Access to Reward Points and Cashback: All transactions earn rewards that accumulate in the primary account for greater redemption value.
- Fuel Surcharge Waiver and Contactless Payments: 1% waiver on fuel purchases and tap-and-pay convenience for everyday transactions.
- International Usage for Global Convenience: Accepted worldwide when enabled, ideal for family members traveling or studying abroad.
- Empowering Financial Independence: Gives family members access to credit without requiring their own credit history or income proof.
- Robust Security and Fraud Protection: Chip-and-PIN technology, ₹1 lakh fraud liability cover, and 24/7 emergency support.
- Travel Benefits: Complimentary lounge access (for eligible cards), travel insurance, and discounts on hotel bookings.
- Dining and Entertainment: Special discounts at partner restaurants and movie ticket offers.
- Shopping Perks: Exclusive discounts at retail partners and online shopping portals.
- Emergency Cash Advance: Available at ATMs worldwide in case of urgent financial needs.
- Flexible Payment Options: Convert purchases to EMIs or transfer balances from other cards.
- Digital Wallet Compatibility: Can be added to Paytm, Google Pay, and other digital wallets for contactless payments.
- Complimentary Memberships: Access to premium memberships like Club Vistara or Priority Pass depending on card variant.
- Purchase Protection: Some cards offer insurance coverage for purchases made with the card.
- Global Acceptance: Accepted at over 24 million locations worldwide.
- Easy Replacement: Lost or stolen cards can be replaced quickly, often with express delivery options.

How to Apply for SBI Add-on Credit Card

Step 1: Check Eligibility
Ensure you meet basic criteria:
- Primary cardholder must have an active SBI credit card in good standing
- Add-on cardholder must be 18+ years old
- Relationship must be immediate family (spouse, parents, children, siblings)
- Primary cardholder's credit score should be 750+
- Indian residency required for both cardholders
Step 2: Gather Required Documents
For Primary Cardholder:
- SBI credit card details
- Identity proof (PAN card mandatory)
- Address proof (Aadhaar, utility bill)

For Add-on Cardholder:
- Identity proof (Aadhaar, PAN, passport, etc.)
- Address proof (if different from primary cardholder)
- Relationship proof (marriage/birth certificate if names differ)
- Recent passport-sized photograph
Step 3: Choose Application Mode
Online Method:
1. Log in to your SBI Card account at www.sbicard.com
2. Navigate to 'Add-on Card' section under 'Services'
3. Fill in add-on cardholder details
4. Upload documents via DigiLocker or manual upload
5. Submit application

Mobile App Method:
1. Open SBI Card mobile app and log in
2. Go to 'Manage Cards' and select 'Apply for Add-on Card'
3. Complete the digital form and submit

Offline Method:
1. Download add-on card form from sbicard.com
2. Fill out form and attach documents
3. Mail to SBI Cards and Payment Services Pvt. Ltd.
Step 4: Submit Application
- Review all details before submission
- Ensure documents are clear and valid
- Receive application reference number for tracking
- Application typically processed within 3-5 working days
Step 5: Verification Process
- SBI verifies submitted documents
- May conduct tele-verification with primary cardholder
- In some cases, video KYC may be required
- Address verification if needed
Step 6: Approval and Dispatch
- Receive SMS/email upon approval
- Card dispatched to primary cardholder's registered address
- Typically delivered within 7-10 working days
- Track delivery status using reference number
Step 7: Activation and Usage
- Receive card and activation instructions
- Set PIN via SBI Card website/app/IVR
- Start using for purchases and payments
- Monitor spending through primary card account

Eligibility Criteria for SBI Add-on Credit Card

Primary Cardholder Requirements:
- Must hold an active SBI credit card with good payment history
- Age between 21-70 years (varies by card variant)
- Indian resident with verifiable address
- Minimum income requirements met (varies by card type)
- CIBIL score of 750+ preferred
- No recent defaults or late payments on primary card
Add-on Cardholder Requirements:
- Minimum age: 18 years (21 for some premium cards)
- Must be immediate family member:
  - Spouse (marriage certificate may be required)
  - Parents (birth certificate may be required)
  - Children above 18 (birth certificate)
  - Siblings (proof of relationship)
- No income proof required
- Indian resident (NRIs may have additional requirements)
- Valid KYC documents
Card-Specific Eligibility:
- SBI Prime Add-on Card: Primary card must be SBI Prime
- SBI Elite Add-on Card: Primary card must be SBI Elite
- Cashback SBI Card Add-on: Primary must be Cashback variant
- Co-branded Cards: Some co-branded cards may not offer add-on facility
Credit Limit Considerations:
- Add-on card shares primary card's credit limit
- Primary cardholder can set sub-limits for add-on card
- Total outstanding cannot exceed primary card's limit
Documentation Requirements:
- Identity Proof: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License
- Address Proof: Aadhaar, Utility bill, Passport, Bank statement
- Relationship Proof: Marriage certificate, Birth certificate, Affidavit if names differ
- Photograph: Recent passport-sized color photo
Application Process:
- Primary cardholder must initiate application
- Digital submission preferred (website/mobile app)
- Offline submission available via downloaded form
- Processing time: 3-7 working days typically
Approval Factors:
- Primary cardholder's credit history
- Accuracy and completeness of documentation
- Primary card's current status and limit utilization
- Verification process results
Restrictions:
- Maximum 2-3 add-on cards per primary card (varies by variant)

Documents Required for SBI Add-on Credit Card

Primary Cardholder Documents:
- SBI Credit Card Details: Card number and account information
- Identity Proof: PAN Card (mandatory) + any one: Aadhaar, Passport, Voter ID, Driving License
- Address Proof: Any one: Aadhaar, Utility bill (not older than 3 months), Passport, Bank Statement
Add-on Cardholder Documents:
- Identity Proof (Any one):
  - PAN Card (mandatory for certain cards)
  - Aadhaar Card
  - Passport
  - Voter's ID
  - Driving License
- Address Proof (Any one):
  - Aadhaar Card
  - Utility Bill (not older than 3 months)
  - Passport
  - Bank Statement
- Relationship Proof (If required):
  - Marriage Certificate (for spouse)
  - Birth Certificate (for parents/children)
  - Affidavit for siblings or other relationships
  - Family ration card showing relationship
- Photograph: Recent passport-sized color photograph
Additional Notes:
- All documents must be clear, legible copies
- Names should match across all documents
- For name discrepancies, provide supporting documents
- Digital copies accepted for online applications

Factors Affecting SBI Add-on Credit Card Approval

Primary Cardholder's Credit Score: CIBIL score of 750+ preferred; lower scores may face rejection or require additional documentation.
Primary Card Status: Card must be active with no overdue payments or defaults; high utilization may reduce approval chances.
Relationship Verification: Clear proof of relationship required if surnames differ between primary and add-on cardholders.
Document Accuracy: Incomplete, expired, or unclear documents can delay or prevent approval.
Primary Card Variant: Some co-branded or specialty cards may not support add-on facilities.
Existing Add-on Cards: Maximum limit of 2-3 add-on cards per primary card may apply depending on card type.
KYC Compliance: Strict adherence to RBI's KYC norms; digital KYC via DigiLocker speeds up processing.
Address Verification: Mismatch between application address and documents may require additional verification.
Primary Cardholder's Income: While not directly assessed, very low credit limits may restrict add-on card utility.
Fraud or Security Flags: Any suspicious activity on primary card may temporarily block add-on applications.
Application Timing: Applying during promotional periods may increase approval chances or provide additional benefits.
Age of Add-on Applicant: Add-on cardholders must be at least 18 years old to be eligible as per SBI norms.
Primary Card Tenure: Recently issued primary cards (less than 3–6 months old) may not be eligible for add-on requests.
Geographical Restrictions: Certain rural or remote areas may face longer verification times or service unavailability.
Pending Disputes: Ongoing disputes or chargebacks on the primary card can delay or halt approval of add-on cards.
System or Technical Errors: Temporary issues in SBI’s backend systems or partner portals may result in failed processing or delays.

Frequently Asked Questions (FAQs)

What is an SBI Add-on Credit Card, and how does it work?

An SBI Add-on Credit Card is an additional card linked to a primary SBI credit card, allowing family members or dependents to make purchases using the primary cardholder’s credit limit.

Who is eligible to get an SBI Add-on Credit Card?

The primary cardholder can request an Add-on card for immediate family members (spouse, parents, children above 18, or siblings), subject to SBI’s approval.

Is there a separate credit limit for the Add-on card?

No, the Add-on card shares the credit limit of the primary card. All expenses are billed to the primary cardholder’s account.

Are there any fees or charges for issuing an SBI Add-on Credit Card?

SBI may levy a nominal fee for issuing an Add-on card, depending on the card variant. Some premium cards may offer Add-on cards for free.

Can I set a spending limit on my SBI Add-on Credit Card?

Yes, primary cardholders can request SBI to set a monthly spending limit for the Add-on card to control expenses.

Do Add-on cardholders earn reward points separately?

No, all reward points earned on Add-on card spends are credited to the primary cardholder’s reward account.

Can an Add-on cardholder redeem reward points or avail offers independently?

No, only the primary cardholder can redeem reward points or avail exclusive card offers.

How can I track expenses made on my SBI Add-on Credit Card?

All transactions made on the Add-on card reflect in the primary cardholder’s monthly statement, and they can also check via SBI Card mobile app/internet banking.

What happens if the primary SBI Credit Card is blocked or closed?

If the primary card is blocked or closed, the linked Add-on card(s) will automatically get deactivated.

Can an Add-on cardholder request an upgrade or change in card variant?

No, only the primary cardholder can request upgrades or changes, which will apply to all linked Add-on cards.

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