An add-on card is a supplementary benefit extended to the spouse, parents, or children of the primary credit card holder. It is a convenient option for family members to access credit facilities without the need for additional credit card applications. However, it is important to note that the fee for an add-on card can range from Rs. 125 to Rs. 1,000, depending on the type of card. Furthermore, all expenses made on an add-on card are billed to the primary cardholder, making it a shared responsibility.