I need a credit card that can have 2 additional card holders, one for the Mrs and my mum. Both my Citibank and Westpac only allows 1 additional card holder. Without going to a business type credit card, asking the ozbargain community if you know of this feature on any others cards? The only 1 I can find is the ING.
Best Credit Card with 2+ Additional Card Holders
LStingydad on 21/11/2020 - 08:32
Comments
9 additional holders at $65 extra person per year.
Bloody ripoff.
Fintech cards will eat these legacy banks within 5 years.
Fintech cards will eat these legacy banks within 5 years.
I remember someone saying that 10 years ago.
Did you bookmark it?
You can bookmark this and revisit in 4 years.
It's not too bad. The card ends up paying for itself anyways due to reward points.
I'm with Citibank as well, and have been utilising main + 2 additional cards, one for wife + her mum.
This Citibank page says you could have up to 4:
Existing Cardholder > Managing your account > Additional card
Convenience for your family - More reward points for you
Your Citi Credit Card provides the option of having up to 4 Additional Cardholders linked to your account. It's a convenient way of ensuring family members have access to finance when they need it.
Bankwest has it, I have both my parents with a card on my account.
All American Express cards (including the no annual fee ones) allow you to add up to four additional card holders for no extra cost.
Used to have an Amex, and did not realise how spoilt this was… points by the bucketload and bonus Amex cashbacks when they happened!
Not all Amex cards have fee-free additional cardholders; pretty sure the DJs Amex is $29/year for an additional cardholder
Yeah that's true, it's a weird one. However, that $29 additional cardholder fee is waived in the first year of holding the DJs card I believe
It's also free if you have a fee-free DJs Amex
Another option is to just use Android/Apple Pay across multiple devices. Rather than paying the $100 extra or whatever it was for an ANZ second card my wife and I have been doing that and it's been fine.
Although we both have backup/debit cards if for whatever reason apple/android pay wasn't excepted, but haven't run into that issue yet.
This is a really good idea
This works, but be careful. You might find yourself in a pickle should you start getting "unauthorised transactions" and it comes out that you have effectively given out your card details to multiple people.
Actually makes it easier to track the transactions though - GPay and ApplePay get given unique credit card numbers linked to your account; so when searching transactions (depending on the bank) you can trace exactly which number was used and therefore who used it.
I've only ever had unauthorised transactions appear using my physical card number (as copied by a delinquent teenager for their own gains). Sidenote: you can't claim a fraud transaction from someone you know - EVEN IF it wasn't authorised by yourself - unless you're prepared to press police charges.
Bundll, Zip added to GPay, with main CC as funding source.
Wow, $100 for an extra card. What a rip.
I have 2 additional cardholders on my Latitude 28 degrees card.
Coles MC will allow it, from memory.
Sweet, ozbargain to my rescue again, thanks for the responses. Might hit up on the amex then.
hsbc rewards is free for additional holders too
My ANZ Rewards Black allows up to 9 additional holders at $65 extra person per year.