An additional cardholder is an authorised person who can access your credit card account using a card issued in their own name.
This option applies to credit cards only. For savings, transaction, or deposit accounts, access must be set up through a joint account or by Authority to Operate.
When it's commonly used
An additional cardholder on your credit card account may suit you if you want:
- A trusted person to help manage shared or agreed expenses
- Someone to access funds while you’re travelling together
- Support for urgent or temporary spending needs
What are the benefits?
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Can be a convenient way to manage shared or agreed spending from one account.
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Allows someone you trust to make purchases when needed, such as for household or caregiving expenses.
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Having more transactions in one place can make it easier to track spending and review account activity.
Things to consider
- The primary cardholder is responsible for any transactions made by the additional cardholder – including any increased debt – and for meeting all credit card repayment obligations.
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There’s a risk of misuse or spending beyond the credit limit, potentially risking your financial stability and credit rating.
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Regularly reviewing statements and monitoring spending can help reduce risk.