Who pays for the supplementary card's spending?

Free additional credit cardholders

These cards add a supplementary cardholder at no fee. Spending on both cards goes to one account and one rewards balance.

Add a family member at no fee
Pool spending into one rewards balance
One statement for the household

Written by Vidhu BajajReviewed by Nilooka Dissanayake

Featured

American Express® Platinum Credit Card

3 points per HK$1 on everyday spend
No fee to add an additional cardholder

Application

Compare 28 free additional cards credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Rewards program	Earn rate	Annual fee	Interest-free days
	Hang Seng enJoy Visa Platinum Card	yuu Points	4 pts per HK$1Uncapped	HK$0	Up to 56	Application
	BOC SaSa Dual Currency Credit Card	Gift Points	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	GBA Youth Card	—	—	HK$0	Up to 56	Application
Bank of China (Hong Kong)Platinum •••• •••• •••• •••• Credit Card Compare	BOC Hospital Authority Credit Card	BOC Gift Point Rewards Program	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	Standard Chartered Smart Credit Card	—	—	HK$0	Up to 56	Application
	BOC "HK GO" Credit Card	—	—	HK$0	Up to 56	Application
	HSBC Red Credit Card	HSBC RewardCash	—	HK$0	Up to 56	Application
	BOC HKMU Dual Currency Platinum Card	—	—	HK$0	Up to 56	Application
	BOC HKCEA Dual Currency Platinum Card	BOC Gift Point Rewards Program	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	HSBC Premier Mastercard®	HSBC RewardCash	0.4 RewardCash dollars per HK$100Uncapped	HK$0	Up to 56	Application
	BOC Shue Yan University Credit Card	BOC Gift Point Rewards Program	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	BOC HKICPA Platinum Card	BOC Gift Points	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	BOC Cheers Visa Infinite Card	BOC Gift Points	1 pt per HK$1Capped	HK$0	Up to 56	Application
	BOC CMHK Dual Currency Diamond Card	—	—	HK$0	Up to 56	Application
	BOC HKUST Platinum Card	—	—	HK$0	Up to 56	Application
	Hang Seng MMPOWER World Mastercard	+FUN Dollars	1 +FUN Dollar per HK$250Uncapped	HK$0	Up to 56	Application
	BOC Taobao World Mastercard	—	—	HK$0	Up to 56	Application
	Standard Chartered Cathay Mastercard	Asia Miles	1 Asia Mile per HK$6Uncapped	HK$0	Up to 56	Application
	American Express® Platinum Credit Card	American Express Platinum Credit Card Membership Rewards	3 pts per HK$1Uncapped	HK$2,200	Up to 56	Application
	BOC Esso World Mastercard	—	—	HK$0	Up to 56	Application
	Standard Chartered Simply Cash Visa Card	—	—	HK$2,000	Up to 56	Application
	BOC Go Card	BOC Gift Points	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
	BOC Hong Kong Airlines Visa Card	Fortune Wings Club Points	1 FWC Point per HK$5Uncapped	HK$0	Up to 56	Application
	BOC Chill World Mastercard	—	—	HK$0	Up to 56	Application
	BOC Bliss Card	—	—	HK$0	Up to 56	Application
	BOC Henderson Club Visa Card	BOC Gift Points	1 pt per HK$1Uncapped	HK$0	Up to 56	Application
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express	Blue Cash® Credit Card from American Express	—	—	HK$0	Up to 56	Application
	BOC GOOD DAY Platinum Card	BOC Gift Points	1 pt per HK$1Uncapped	HK$0	Up to 56	Application

Free additional cards by the numbers

Cards compared

Cards earning rewards

HK$150

Average annual fee

HK$0

Lowest annual fee

What is a supplementary card?

A supplementary card is a second card on your account for someone you choose, such as a partner, parent or child. It carries their name, but the account and the bill are yours.

Why add a cardholder

Spend on both cards earns points or cashback into one balance, so you reach a reward sooner. You also see the household's spend on one statement, and on these cards the supplementary card costs nothing.

Things to consider

You are responsible for everything a supplementary cardholder spends. Some banks let you set a lower spending limit for each supplementary card. Check whether caps on bonus rates are shared across both cards.

Free additional cards credit card FAQs

The main cardholder. The bank sends one statement and the main cardholder is responsible for all of it.

Questions and answers

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Related card types

No annual fee credit cards

Sources

Credit Card Compare: Credit card statistics for Hong Kong