Credit Card - Add-on Cards Tax Liability
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Hey guys!
Hope you all are doing well and have enjoyed yourselves during the festive season!
I have been having a doubt regarding the tax liability regarding add-on cards in credit cards and cannot find a suitable answer.
Consider a case where suppose my father is earning 15L per annum and I’m earning 15L per annum.
My father suppose has a SBI Credit Card and I instead of applying for a new one take an add-on card from my father and do transactions of 10L per annum with the add-on card obtained from his primary card.
Now my question is that if my father doesn’t do a single transaction and I do all the transactions and pay for my add-on card bill from my bank account which is in my name, then will I be liable for the payments done in my credit card or will my father have to pay the taxes since it’s an add on card?
I would be greatful if you can solve this as I have to take a decision based on this.
Note:- All the figures are imaginary just to make you understand. I currently have 0 income 
Thanks!
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All expenses are booked on primary card holders name hence all liabilities also rest on primary card holder.
Addon card is nothing but the same card with a different number
Just like HDFC netsafe where different OTUV cards can be generated but all spend are goin from the real card
Hence using his primary card or addon card does not make any difference
hdfc add on card have same number as well
Bro, all the liabilities in add on card (including tax liabilities) lies only on the primary card Holder. Whatever you pay would be come under the tax preview of your dad. It doesn’t make any difference whether you are paying the bills for your dad credit cards. Credits are are not come under the preview of credit card unless you are doing more than 10lakh transactions in a year and not filling income tax returns or filling it with nominal income. If your father is showing income of 10-15 lakh per annum, you would never face any problem.