What is a Sub Credit Card? Know Details 2023

What is a Sub Credit Card?
What is a Sub Credit Card?


A sub credit card is an additional card linked to an existing credit card account. It is typically issued to a family member, such as a spouse, child, or another authorized user. Sub credit cards have their own credit limit, but they share the same payment history and credit score as the primary card.

What is a Sub Credit Card?
What is a Sub Credit Card?

Why Choose a Sub Credit Card?

There are several compelling reasons to consider opting for a sub credit card:

  1. Building Credit History: A sub credit card can serve as an excellent tool for establishing a positive credit history, particularly for young adults or individuals with limited credit history.
  2. Teaching Responsible Credit Use: Bestowing a sub credit card upon your children can be an invaluable way to impart financial responsibility and proper credit card usage from an early age.
  3. Convenient Family Purchases: A sub credit card offers a convenient means of allowing your family members to make purchases on your behalf when needed, especially during busy times.

How Does a Sub Credit Card Work?

To acquire a sub credit card, you typically need to apply through your primary credit card issuer. The issuer will assess your credit history and income to determine eligibility. Once approved, you will receive a sub credit card with its credit limit, which is usually lower than that of the primary card.

Payments made using the sub credit card will be reported to the credit bureaus, aiding in building a positive credit history and potentially improving your credit score over time.

What are the Fees Associated with Sub Credit Cards?

Sub credit cards generally do not carry annual fees. However, it is essential to be aware of any possible monthly fees that some issuers might charge. Additionally, late payment fees or other charges could apply, so it’s crucial to thoroughly read and understand the terms and conditions associated with the sub credit card.

How to Choose a Sub Credit Card?

When selecting a sub credit card, consider the following factors:

  1. Credit Limit: Ensure that the credit limit provided on the sub credit card is sufficient to meet your needs.
  2. Fees: Check for any associated fees, including annual fees or monthly charges, and opt for a card with reasonable costs.
  3. Rewards: Some sub credit cards offer rewards such as cash back or travel points. Evaluate the rewards program to see if it aligns with your spending habits and preferences.
  4. Benefits: Certain sub credit cards provide additional perks, such as travel insurance or purchase protection. Assess these benefits and choose a card that offers the most relevant advantages to you.


In conclusion, a sub credit card can be a valuable tool for building or enhancing your credit history, teaching financial responsibility to family members, and facilitating family purchases. When choosing a sub credit card, carefully compare various options, considering factors like credit limits, fees, rewards, and benefits. By using a sub credit card responsibly, you can harness its potential benefits and work toward a stronger financial future. Always remember to manage your credit responsibly and make timely payments to maintain a positive credit profile.

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