Scapia, Federal Bank launch add-on credit card: How can families manage shared credit

Scapia and Federal Bank have introduced a new add-on credit card that allows users to share their credit limit and travel benefits with family members while maintaining individual spending control and visibility.

The Scapia Federal Add-On Credit Card enables a primary cardholder to issue up to three add-on cards under a shared credit line. Each add-on user receives a separate virtual and physical card, along with app-based access, individual one-time passwords (OTPs), and full transaction visibility.

Both primary and secondary users can earn and redeem reward points independently once they meet individual spending thresholds.

According to the companies, the initiative aims to address a long-standing limitation in the Indian credit card market, where add-on users traditionally had limi