Subscription Modal Banner
Weekly newsletter subscription
Get SingSaver’s top tips and deals, plus an exclusive free guide to investing, sent straight to your inbox.

I agree to the terms and conditions and agree to receive relevant marketing content according to the privacy policy.

Success Tick Icon
Congratulations on successfully joining Singsaver Newsletter

Which Supplementary Cards Offer The Best Benefits?

Aaron Wong

Aaron Wong

Last updated 14 July, 2023

Supplementary cards aren’t just for spending; some of them pack excellent travel and dining benefits too. Here are the best options to offer your family and loved ones.

Supplementary cards are a great way of extending credit facilities to family members and loved ones who may not otherwise qualify.

In one sense, a supplementary card is like cloning your main card. The supplementary cardholder can then make online or in-person transactions in Singapore or overseas, earning additional rewards for the main cardholder, while paying a reduced or waived annual fee.

But not everything is cloned! if you as the main cardholder receive lounge benefits, for instance, those may not necessarily be extended to supplementary cardholders as well.

So which supplementary cards offer actual, concrete benefits? 

Table of contents

Supplementary card basics

Before we talk about the supplementary cards with the most perks, let’s do a quick rundown of some ground rules.

The first and most important thing to know is that principal cardholders are ultimately responsible for any spending made on their supplementary cards

At the end of the month, the bank does not send a separate bill to the supplementary cardholder; instead, the principal cardholder gets one consolidated bill with all the spending made across principal and supplementary cards. This means that you should only issue a supplementary card to someone you’re confident will use it responsibly!

Second, since supplementary cardholder spending is the responsibility of the principal cardholder, spending across principal and supplementary cards is combined when determining whether the minimum spend for a sign-up bonus has been met.

For example, if a sign-up bonus requires a minimum spend of S$2,000, this can be achieved by the principal cardholder spending S$1,500 and the supplementary cardholder spending S$500. If you think you’ll have difficulty meeting a sign-up bonus through your own spending, a supplementary card allows you to “team up” with a second player.

Third, since supplementary cardholders are not ultimately responsible for the spending on their card, supplementary cards have no impact on their credit score. In other words, it neither helps nor harms an individual looking to apply for a principal card of their own.

Fourth, supplementary cardholders do not enjoy their own bonus caps. For example, the DBS Woman’s World Card earns 4 miles per S$1 on online spending, capped at S$2,000 per calendar month. Getting a supplementary card will not double this cap; instead, the supplementary cardholder will share the bonus cap of the principal cardholder.

Fifth, holding a supplementary card, in and of itself, does not disqualify you from the various new-to-bank promotions offered by banks and SingSaver. For example, holding a supplementary Citi PremierMiles Card does not render me ineligible to enjoy new-to-bank gifts when I apply for a principal Citi card myself. 

Sixth and finally, supplementary cardholders must be aged at least 18, although exceptions can be made for individuals requiring a card for overseas travel. 

Click to toggle between the credit cards:


DBS Woman's World Card product summary

Online spend
Up to 4 mpd
Overseas spend
Up to 1.2 mpd
Miles earn cap
S$2,000 spend per month
⭐️ Complimentary e-Commerce protection on online purchases


Citi PremierMiles Card product summary

Local spend
1.2 mpd
Overseas spend
2 mpd
Bonus miles 
10 mpd on Kaligo bookings
7 mpd on Agoda bookings
Airport lounge access
2 complimentary visits per year
Travel insurance
Up to S$1 million complimentary coverage

Supplementary cards with the best perks

For the rest of this article, we’ll explore which supplementary cards offer the best perks and benefits.

As a general pointer, you may notice that all the cards below are for those who earn at least S$120,000 per annum. If you’re looking for meaningful benefits, you won’t find them with credit cards at the MAS-mandated minimum of S$30,000 per annum. At that level, supplementary cards at best receive the usual generic bank discounts. Unfortunately, that’s just the way things are. 

See also: 5 Best Metal Credit Cards in Singapore

Citi Prestige Card

Principal card cost: S$540 per annum
Supplementary card cost: All supplementary cards are free

Citi Prestige supplementary cardholders do not receive the same lounge access or 4th night free privileges as principal cardholders, but still enjoy perks by virtue of World Elite Mastercard.

This includes a complimentary GHA DISCOVERY Titanium membership, which gives access to perks such as a two-category room upgrade, early check-in, late check-out and a welcome amenity.

On top of this, they also receive a complimentary 12-month HoteLux Elite Plus membership. HoteLux is a luxury booking agent, and reservations made through this platform receive additional perks like complimentary breakfast, room upgrades, late check-out, a US$100 hotel credit and a welcome amenity, all while paying the same rate as the hotel’s best flexible rate. 


SingSaver Exclusive Offer

For Citi PremierMiles Card: Receive an Apple iPad 9th 10.2" WiFi 64GB (worth S$503.65) or a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.

For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or a Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 1 October 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi PlusT&Cs apply.

HSBC Visa Infinite Card

Principal card cost: S$656.08 per annum (S$492.56 for HSBC Premier customers)
Supplementary card cost: Up to five supplementary cards are provided free of charge

HSBC Visa Infinite supplementary cardholders enjoy a LoungeKey membership with unlimited lounge visits. This means they do not need to depend on the principal cardholder for lounge access, and can travel independently. 

They also enjoy the same dining and spa benefits as the principal cardholder, namely:

  • Up to 50% off dining at Goodwood Park Hotel
  • Up to 50% off dining at Fairmont Singapore
  • Up to 50% off dining at Singapore Marriott Tang Plaza Hotel
  • Up to 50% off dining at Swissotel The Stamford
  • 35% off all spa treatments at Willow Stream Spa Fairmont Singapore

Dining discounts are tiered based on the number of diners; to maximise your benefit, always dine as a couple!

  • 25% off when dining alone
  • 50% off when dining with 1 guest
  • 33% off when dining with 2 guests
  • 25% off when dining with 3 guests
  • 20% off when dining with 4 or more guests

🔍 Read our full HSBC Visa Infinite Card Review here.


HSBC Credit Card Welcome Gift:

For HSBC TravelOne Card Only: Receive 20,000 miles (equal to a round trip to Bali) when you make a min. spend of S$1,000 within the qualifying spend period, pay the annual fee (S$194.40 incl. GST) and provide marketing consent when you apply. Valid till 31 December 2023. T&Cs apply.

For Other HSBC Credit Cards: Receive a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or S$150 cashback when you make a min. spend of S$1,000 by the end of the following calendar month from the card account opening date and provide marketing consent. Valid till 31 December 2023. T&Cs apply.

AMEX Platinum Charge Card

The_Platinum_Card_RCP_Given 260923

AMEX Platinum Card Welcome Offer: Receive up to 135,000 Membership Rewards® points (enough to redeem a return trip for 2 to the Maldives) when you make a min. spend of S$6,000 and annual fee payment within 2 months of card approval. For new to American Express Card members only. Valid till 31 October 2023. T&Cs apply.

Principal card cost: S$1,728 per annum
Supplementary card cost: Up to two supplementary cards are provided free of charge

The AMEX Platinum Charge has a hefty annual fee of S$1,728, but two supplementary cards are included for free, with some of the most “full fat” benefits out there. 

Supplementary cardholders receive unlimited lounge access to Priority Pass (for first supplementary cardholder only), Plaza Premium, Centurion and Delta SkyClub Lounges worldwide, inclusive of one guest.

On top of this, they also enjoy a complimentary Como C5 Membership, which comes with various discounts and privileges across the Como Group (behind Culina Market, Club21, COMO Shabhala and various dining concepts). C5 members enjoy S$260 worth of annual birthday vouchers, all of which have no minimum spend.

Hilton Honors Gold status, Marriott Bonvoy Gold Elite status, Pan Pacific DISCOVERY Platinum status & Radisson Rewards Premium status is accorded to supplementary cardholders, which means additional perks like room upgrades or complimentary breakfast, depending on the chain.

Finally, there are the usual AMEX Platinum benefits, including Love Dining (up to 50% off dining at participating hotels and restaurants) and Chillax (1-for-1 drinks at participating bars). 

All things considered, this is a very comprehensive list of benefits, and well worth sharing with a loved one!

🔍 Read our full AMEX Platinum Charge Card Review here.



Principal card cost: S$492.50 per annum
Supplementary card cost: S$189 (first year fee waived for the first two supp. cards)

OCBC VOYAGE Cardholders enjoy unlimited lounge access to Plaza Premium Lounges, as well as access to the VOYAGE concierge, which assists with dining reservations, travel bookings, transfer requests and personal shopping. 


SingSaver Exclusive Offer: For a limited time only, snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859) on top of your chosen reward if you are one of the first 10 applicants of select Standard Chartered Credit Cards at 12pm and 3pm daily during the flash deal period. Valid till 1 October 2023. T&Cs apply.


For OCBC Titanium Rewards, OCBC 90°N Mastercard and Visa Cards Only: Receive an Apple AirPods Pro 2nd Generation (worth S$362.35) or a Hinomi H1 Classic Plus Ergonomic Office Chair with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 4 October 2023. T&Cs apply.


For OCBC 365 and OCBC Frank Cards Only: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or an AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.90) or S$350 eCapitaVoucher or S$250 Cash via PayNow when you make a min. spend S$500 within 30 days of card approval. Valid till 4 October 2023. T&Cs apply.


While the vast majority of supplementary cards do not offer any benefits beyond another way of charging spend to the main cardholder, there is a small handful which offers travel, dining and lifestyle perks. 

Keep in mind that these are invariably the more premium cards where annual fees cannot be waived (for the principal cardholder at least). However, offering supplementary cards to your loved ones allows you to tap additional benefits, thereby making the annual fee more worthwhile!


Aaron founded The Milelion to teach people how to travel better for less, with credit cards, airline and hotel loyalty programmes. With 500,000 miles flown and counting, he’s keen to debunk the myth that you can’t travel in style without breaking the bank.


Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!