Are you someone who wants to manage your family’s expenses better without the stress of multiple credit cards and statements? Do you want your loved ones—your spouse, children, parents, or siblings—to enjoy the benefits of a credit card without needing one of their own? Then the ICICI Bank Plus Add-on Credit Card is a perfect option for you.
This card allows your immediate family members to use a supplementary credit card linked to your existing ICICI credit card. It shares your credit limit but keeps spending in control. With benefits like shared rewards, lifestyle perks, and secure individual alerts, it becomes easier to plan a family budget.
This article will explain everything you need to know—how it works, who can get it, how to apply, benefits, fees, and security features. If you’ve ever wondered how to give your family financial flexibility, this article is for you.
What is the ICICI Bank Plus Add-on Credit Card?
The ICICI Bank Plus Add-on Credit Card is a supplementary credit card that is linked to your main ICICI credit card. It is not a separate credit account but shares the same credit limit and billing cycle. This card can be given to your immediate family members like your spouse, children, parents, or siblings.
You can apply for up to three add-on cards under one primary ICICI credit card. It comes with its own card number and usage alerts but uses the credit and reward system of the main card.
Who Can Apply for the ICICI Add-on Credit Card?
To get an ICICI Bank Plus Add-on Card, the primary cardholder must already have an ICICI Bank credit card. The person who will receive the add-on card must be:
- An immediate family member (Spouse, Parents, Children, or Siblings)
- At least 18 years old
- Willing to share the same credit limit as the primary cardholder
No additional income or credit history is required for the add-on member.
Benefits of the ICICI Bank Plus Add-on Credit Card
Below are the main benefits of having an ICICI Plus Add-on Credit Card. These make it a smart and useful choice for families:
1. Consolidated Billing Statement
Instead of receiving multiple bills, all transactions from both the primary and add-on cards are shown in one single monthly bill. This helps you:
- Track family expenses easily
- Plan budgets better
- Avoid overspending
2. Security With Independent Alerts and OTPs
Even though the card shares the same account, each Plus Cardholder gets:
- Personal OTPs (One-Time Passwords)
- Transaction alerts on their own mobile number
This ensures privacy and secure usage, even for young users.
3. Shared Rewards and Cashback
Every time the add-on card is used:
- It earns rewards or cashback under the same program as the primary card
- Whether it’s shopping, dining, or fuel – it contributes to the family’s total rewards
This makes every purchase more rewarding.
4. Access to Lifestyle Privileges
Add-on cardholders can enjoy the same exclusive perks as the primary user, such as:
- BookMyShow and INOX movie ticket offers
- Dining discounts
- Travel privileges (if applicable on the primary card)
5. No Extra Credit Check Needed
The bank does not conduct a separate credit check for the add-on user because:
- The card is issued under the existing credit line
- The responsibility of payment lies with the primary cardholder
This makes the approval process faster and simpler.
6. Easy Online Application Process
There’s no need to visit a branch or fill out papers. You can apply online through:
- iMobile Pay App
- ICICI Net Banking
The process is digital, fast, and user-friendly.
7. Cost-Effective Option
Each add-on card has a small annual fee of ₹199 + GST. Considering the shared benefits and control, it’s an affordable way to:
- Introduce young adults to credit
- Manage household expenses under one umbrella
8. Controlled and Shared Credit Limit
The add-on card doesn’t increase your credit limit. Instead:
- It uses the existing credit line
- You can monitor and manage usage easily
This is helpful in teaching responsible spending to teenagers or first-time users.
How to Apply for ICICI Bank Plus Add-on Credit Card
Applying is very simple and can be done in two ways: through the iMobile Pay App or Net Banking.
A. Steps to Apply Using iMobile Pay App
- Open the iMobile Pay app and log in.
- Tap on Cards/Forex/PayLater section.
- Choose your existing credit card.
- Tap Manage Card → Select Plus Card.
- Fill in the details of the family member and submit.
B. Steps to Apply Using Net Banking
- Log in to ICICI Net Banking.
- Go to Cards & Loans → Select Credit Cards.
- Click on your primary card.
- Choose the Plus Card option.
- Enter the necessary details and submit the form.
Things to Keep in Mind Before Applying
Before you apply, take note of the following:
- You can apply for up to 3 Plus Cards.
- The add-on holder must be an immediate family member.
- The primary cardholder is fully responsible for repayment.
- All features and charges of the primary card apply.
Fees and Charges
- Annual Fee: ₹199 + GST per add-on card
- No extra charges for separate bills or application
- Same transaction fees (like fuel surcharge) as the primary card
When is the Add-on Card Useful?
Here are some common situations when the Plus Card becomes very useful:
- Teaching your children or students about responsible credit use
- Helping elderly parents manage digital payments
- Letting your spouse enjoy privileges and benefits without a separate card
- Tracking and controlling overall family expenses in one place
ICICI Bank Plus Add-on Credit Card – Key Highlights Table
| Feature | Details |
|---|---|
| Who Can Get It | Spouse, Children, Parents, Siblings |
| Max Number of Add-on Cards | 3 |
| Annual Fee | ₹199 + GST |
| Credit Check for Add-on User | Not Required |
| Separate Credit Limit | No (Shared with Primary Card) |
| Reward Sharing | Yes |
| Alerts/OTPs | Sent to individual mobile numbers |
| Application Mode | iMobile App / Net Banking |
| Privileges Shared | Yes (Movie, Dining, Cashback, etc.) |
FAQs about ICICI Bank Plus Add-on Credit Card
1. Is the ICICI Add-on Card free?
No, there is a small annual fee of ₹199 + GST for each add-on card.
2. Can I set a spending limit for the add-on card?
Currently, there is no fixed individual limit setting in the app. However, you can monitor and control usage via billing.
3. Can my 17-year-old son get an add-on card?
No, the minimum age required for an add-on cardholder is 18 years.
4. Do add-on cards affect the credit score of the secondary user?
No, only the primary cardholder’s credit score is impacted.
5. Can I apply offline for a Plus Card?
Yes, you may apply by visiting a branch, but online application through iMobile or Net Banking is quicker.
6. Are the BookMyShow and INOX offers available on add-on cards?
Yes, add-on cardholders can enjoy the same offers as the primary cardholder.
7. How long does it take to get the add-on card after applying?
Generally, it takes 7–10 working days for the card to be delivered.
Conclusion
The ICICI Bank Plus Add-on Credit Card is a simple, budget-friendly, and secure way to give your family access to credit benefits without opening new accounts. With shared rewards, easy tracking, and digital application, it fits the modern lifestyle perfectly.
Whether you want to manage your household budget, teach credit responsibility, or enjoy lifestyle perks together, this add-on card is a great option to consider.
Keep control, stay safe, and enjoy the convenience—all in one card family.
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