A supplementary card is a financial card product issued against a primary card, with its own distinct card number, expiration date, authority, limit, and PIN.
A supplementary card is ideal for making purchases from more than one card while still having all spending collected in a single place (the primary card's statement). Another feature that makes a supplementary card advantageous is that it cannot exceed the primary card's limit, while still allowing a requested limit to be assigned to it.
How can I apply for a supplementary card?
To get a supplementary card, you must first have a primary card. A supplementary card can be issued against that primary card.
A supplementary card can be requested through a bank's internet banking, phone banking, or ATM channels, or by filling out an application form at a branch. The information of the person who will hold the supplementary card must be collected at the time of application. The bank then carries out the necessary checks on the supplementary cardholder.
Is there an age limit for issuing a supplementary card?
As a general rule, a person must be 18 years old to hold a supplementary card. However, a supplementary card can be issued to someone under 18 with a family consent form.
How many supplementary cards can be issued against one credit card?
Although the number of supplementary cards that can be issued against a single credit card varies by bank, it is generally limited to 10, for reasons such as how supplementary card spending is displayed on the statement and how linked cards are shown in internet banking.
Can I earn points with supplementary cards?
Points can be earned with supplementary cards. Points earned through a supplementary card are held on that supplementary card and can be used by it. If desired, they can also be transferred to the primary card.
Do supplementary cards have any advantages?
Banks often run campaigns to encourage supplementary card applications. Campaigns that encourage the use of supplementary cards may include bonus points for requesting a supplementary card or extra discounts exclusive to supplementary cards.
Is there an annual fee for a supplementary card?
The supplementary card fee varies from bank to bank. Some banks do not charge a fee for supplementary cards, while others charge up to half of the primary card's fee. According to the following provision in paragraph 4 of Article 11 of the regulation on the procedures and principles regarding fees charged to financial consumers, the annual membership fee for a supplementary card cannot exceed 50% of the primary card's annual membership fee.
(4) Credit cards other than those referred to in the first and second paragraphs may be charged an annual fee determined according to their features. The annual membership fee for each supplementary credit card issued against a primary card may not exceed fifty percent of the primary card's annual membership fee.
How Is Supplementary Card Debt Paid?
Because supplementary card transactions appear on the primary card's statement, supplementary card debt is paid together with the primary card's debt payment. Once the primary card's debt is paid, the supplementary card's debt is paid as well.
