Credit of add-on cards collectively make up the total credit limit of the primary credit card. This means the credit limit that’s made available to the primary credit card is the credit limit that’s shared between all the cards, primary and add-on cards included.

Let’s understand this with an example: Suppose you have a primary credit card with credit limit of Rs 1,00,000 and you take two add-on cards one for your partner and another for your daughter. If you don’t set any limit on either cards, then both the add-on cards as well as the primary card will collectively have a credit limit of Rs 1,00,000.

So, if your partner spends Rs 40,000 on his/her card and your daughter spends Rs 20,000, then you will be left with a limit of Rs 40,000 on your primary card.