Supplementary credit cards

Learn about the benefits of supplementary credit cards and compare credit cards that offer them.

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Supplementary credit cards allow others to have access to your credit card account. As a cardholder, you can apply to link another card to your account for a partner, child, parent or colleague. Supplementary cards provide financial freedom and flexibility, as well as increased earning potential for rewards.

This guide breaks down supplementary credit cards, how they work, why you might want one and what to be careful of once you apply.

Compare some of the best credit cards with supplementary cards

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
UOB Delight Credit Card
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
Up to 10% SMART$ rebate at over 300 participating outlets islandwide.
S$0 annual fee for the first 1 year and up to S$85.60 thereafter
S$30,000
DBS Woman’s World Card
Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$80,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
DBS Live Fresh Card
Up to 10% cashback on online and contactless spend (including SimplyGo rides)
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB Yolo Card
Wide range of discounts including at Bubble Tea Factory. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. Plus, 0% interest on some purchases for up to 12 months.
POSB Everyday Card
Enjoy up to 15% cash rebates on daily essentials.
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
DBS Woman's Card
Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
Standard Chartered Spree Credit Card
Up to 20% savings on your fuel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending. no minimum spend or cap
S$0 annual fee for the first 1 year and up to S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 in your first month. Ends 30 June 2020

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
Standard Chartered Visa Infinite X Credit Card
3 miles per $1 spent on foreign currency.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$30,000
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 April 2020.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$321 annual fee
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Standard Chartered Prudential Visa Signature Card
Up to 10X rewards points on foreign spend, with no minimum spend required
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend
S$0 annual fee for the first 1 year and up to S$171.20 thereafter
S$30,000
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with AGODA
1% cash rebate on all spend
S$0 annual fee for the first 2 years and up to S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
Maybank Platinum Visa Card
Get complimentary travel cover of up to S$500,000
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and up to S$80 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Family & Friends Credit Card
Earn up to 3X interest on your child's savings with Maybank Family Plus
Up to 8% cashback with minimum spend of S$800 per month
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$0 annual fee for the first 2 years and up to S$80 thereafter
S$30,000
Get American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account a minimum of S$300 in the first 2 months.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
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What are supplementary credit cards?

Supplementary credit cards are credit cards linked to an existing credit account, which is held by the primary cardholder. All charges made on a supplementary card appear on the account of the primary cardholder. The primary cardholder must lodge the application for the supplementary card. Once a supplementary card is issued, it can be used in the same way as a regular credit card. Supplementary cards can make the same range of transactions, while being subjected to a credit limit.

Who can I get a supplementary credit card for?

You can get a supplementary credit card for anyone, so long as they meet the eligibility requirements of your bank. Supplementary credit cards can be appropriate for:

  • Family members. Giving your partner or children access to credit in the case of an emergency can be a reliable security blanket. Banks have varying age requirements for supplementary cardholders.
  • Boyfriends and girlfriends. You do not need to be related to intended supplementary cardholders. This means you can apply for a supplementary card for your boyfriend, girlfriend or even a friend.
  • Colleagues and employees. Business credit cards can offer supplementary cards with benefits such as logo printing and consolidated statements.

Why should I consider supplementary credit cards

Applying for a supplementary credit card can open up a number of advantages, both for the account holder and the card recipient. These advantages include:

  • Financial independence. Once a supplementary credit card is issued, it operates in the same manner as a regular credit card. This means users have the financial freedom to make purchases and withdrawals without the need for prior authorisation. Supplementary cards can be particularly useful for families with dependants, such as a non-working partner or older children.
  • Extra rewards. Once a supplementary card is linked to an account, it can typically accrue rewards at the same rate as the primary card. For account holders, this means the chance to earn extra rewards points, frequent flyer miles and other benefits. If you have more people spending on your account, your reward-earning potential is naturally higher.
  • Easy tracking. While all charges from supplementary cards come to the primary account holder, the charges can be distinguished. This means you’ll get a monthly breakdown stating how much was spent on each card. This allows you to track expenses, apply for limit adjustments and manage finances as you see fit.
  • Financial responsibility. Many parents use supplementary cards as a way to teach their children about financial responsibility and sensible spending. By providing a child with a supplementary card, parents can keep a watchful eye on spending and use monthly statements as discussions tools. The primary account holder can serve as a safety net for the supplementary cardholder until she or he is ready to strike out on their own.
  • Low cost. Many supplementary cards carry no additional charges and have no application costs. Others have an annual fee that may be waived for the first year. If you’ve arrived at the conclusion you want a supplementary card, chances are you won’t be discouraged by surrounding fees. Be sure to check the terms and conditions surrounding supplementary cards for your credit card account.

What should I keep in mind when it comes to supplementary credit cards

While supplementary credit cards offer a number of benefits and advantages, there are some potential drawbacks to be wary of. These include:

  • Credit history. Primary account holders are putting their credit history at stake by linking supplementary cards to their account. All spending, missed payments and surpassed limits are ultimately the responsibility of the primary account holder.
  • Overspending. Having supplementary cards can increase spending. While this may be the desired outcome, you should be sure to check account transactions regularly to ensure spending hasn’t blown out.
  • Risk. Supplementary cards increase risk. Having two, or more, cards exposes you to more chances of lost cards, stolen cards and other card-related issues.

How to apply for a supplementary credit card

Applying for a supplementary card can be a simple process. Different banks have varying procedures and requirements, so you’ll have to check with your card supplier to find out the specifics. In general, you’ll need to check:

  • The application process. You may be able to request a supplementary credit card via an online application form, a phone call to your bank or a visit to your local branch.
  • The eligibility requirements for supplementary cardholders. Some banks require supplementary cardholders to be of a certain age. This may be 16 and older or 18 and older. If you’re looking for a supplementary credit card for your child, be sure to check they’re eligible.
  • The documentation required. Check with your bank. In many cases, you’ll only need the application form and a copy of the intended supplementary cardholder’s identification (NRIC or passport).

Bottom line

Supplementary credit cards can be a versatile and flexible financial tool that aids both the primary account holder and the supplementary cardholder. With considered use, the advantages of supplementary credit cards outweigh the potential drawbacks. If you’re ready for a credit card that offers supplementary cards, click here to start comparing options.

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