General Credit Card addon query

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coolboyzhavi...

I have a onecard with 65k limit, I plan to get an addon for my sister.
My question is she has no cibil.
Will this help in generating cibil.

After that can I get individual onecard through either FD/ preapproved method or this addon will be a hurdle then.

Also it shows 5000 bonus points.
Whats the funda of that.
Just because I have metal card will she also get metal?

Please need genuine answers.

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1. Free Add-on will give Plastic card and you have to pay ₹3000 something to get Metal card which will give 5000 bonus points (Not worth it imo)
2. To get actual credit card (even via FD), you would have to close the Add-on card first

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MrMonkey wrote:

Free Add-on will give Plastic card and you have to pay ₹3000 something to get Metal card which will give 5000 bonus points (Not worth it imo)

Oh okay

Can I get individual onecard for her afterwards. Or I need to cancel addon.
And will this generate cibil for her?

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coolboyzhavingfun780 wrote:

Oh okay

Can I get individual onecard for her afterwards. Or I need to cancel addon.
And will this generate cibil for her?

You would have to close the Add-on card first (Not sure about premature charges for closing Addon). And CIBIL won’t be created as the credit card loan account would still be under your CIBIL only.

If you have CIBIL to be generated, best is to go with FD based credit card, but in this case, not sure if OneCard is best for FD based cards or not, so once explore other banks like SBI/Kotak which have FD based cards

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