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Supplementary credit cards

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

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
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New Citibank customers can get S$250 Lazada & RedMart vouchers upon minimum spend of S$250. T&Cs apply. Ends 26 May 2021.
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Receive S$150 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
UOB One Credit Card
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
Citi Cash Back+ Card
Get up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months. Valid till 31 May 2021.
UOB PRVI Miles World Mastercard
Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping.
Receive S$150 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Receive S$150 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 (first 100 successful applications) plus 3,000 KrisFlyer miles when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas.
Get S$150 cash credit when you apply. T&Cs apply.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Receive S$150 cash credit when you apply for a new credit card. T&C apply.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
UOB Yolo Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on some weekend dining, travel, and entertainment and 3% cashback on online fashion, weekday dining, travel and more.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 May 2021.
American Express True Cashback Card
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
S$0 annual fee for the first 1 year and 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 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 June 2021.
American Express Singapore Airlines KrisFlyer Credit Card
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express.
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
Receive up to S$200 cashback. T&Cs apply. Ends 30 June 2021.
S$0 annual fee
S$30,000
New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 June 2021.
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$80,000
Get up to S$150 statement credit with minimum spend at Love Dining partners and a free Bang & Olufsen Beoplay E8 3rd Gen wireless earbuds (worth S$499) when you spend S$5,000 in the first three months. T&Cs apply. Ends 30 June 2021.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
N/A
S$337.05 annual fee
S$50,000
Get a complimentary stay at Shangri-La Hotel, Singapore, Garden Wing Deluxe City View Room (worth up to S$450++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 June 2021.
HSBC Advance Credit Card
Receive up to S$200 cashback when minimum spend requirements are met.
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 S$192.60 thereafter
S$30,000
New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$30 cashback. T&Cs apply. Ends 30 June 2021.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell. 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month.
S$0 annual fee for the first 1 year and 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.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping and 0.3% savings on all other spend
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and 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.
Citi Rewards Credit Card
10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
S$0 annual fee for the first 1 year and 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. 30 June 2021
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally, 2 Citi Miles for every S$1 spent overseas and 4 Citi Miles for every S$1 spent on food delivery & home entertainment.
Up to 26% cashback at selected merchants
S$192.60 annual fee
S$30,000
Get 45,000 miles when you spend S$9,000 in the first 3 months. Annual fee applies.
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$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2021.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
N/A
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
New card members can receive 120,000 STAR$ (worth S$120 eCapitaVouchers) upon S$2,400 minimum spend at participating CapitaLand Malls merchants within the first 2 months of card approval. T&Cs apply. Ends 30 June 2021.
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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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