Travel on Points

HDFC Bank Solitaire Credit Card

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  • Joining fee

    Rs. 500 + GST

  • Annual fee

    Rs. 500 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    3 Reward Points on every spend fo Rs. 150, and 50% more Reward points on dining & groceries.

  • Welcome benefits

    A free wellness package from Thyrocare.

  • Reward redemption

    1 Reward Point = Re. 0.20 for redemption against cashback.

Fees & charges

  • Spend-based waiver

    The annual fee is waived off on spending Rs. 50,000 or more in the previous year.

  • Rewards redemption fee

    Rs. 99 on every redemption request.

  • Foreign currency markup

    3.5% on all foreign currency spends.

  • Interest rates

    3.6% per month (43.2% annually)

  • Fuel surcharge waiver

    1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.

  • Cash advance charges

    2.5% of the cash amount withdrawn or a minimum of Rs. 500.

Product highlights

  • Get a complimentary wellness package from Thyrocare as a welcome benefit.
  • 3 Reward Points on every spend of Rs. 100.
  • Accelerated Reward Points on groceries and dining.
  • 1,000 bonus Reward Points every year as a renewal benefit.
  • Reward Points redeemable against various gifts, vouchers, and cashback.
  • Get gift vouchers worth up to Rs. 2,000 every year on achieving the spend milestone.
  • Spend-based waiver of the annual fee.
  • 1% fuel surcharge waiver on all fuel transactions.

Pros & cons

Pros

  • The card offers an accelerated reward rate on dining. Therefore, it is suitable for those who dine out often and want an affordable credit card to save more on their dining spending.
  • The spend-based waiver is another great benefit of this card, as one can avoid the annual fee of Rs. 1,000 just by spending Rs. 50,000 in the previous year.

Cons

  • There are no travel privileges. Therefore, the card may not be suitable for frequent travelers.
  • The reward redemption rate is slightly lower than most of the other basic cards in the market, i.e., 1 Reward Point = Re. 0.20.

FAQs

What is the annual fee of this credit card?

The annual fee of the HDFC Solitaire Credit Card is Rs. 500, which can be waived off if you have spent Rs. 50,000 or more in the previous year.

How many Shoppers Stop vouchers can I get in an anniversary year?

With the HDFC Solitaire Credit Card, you can get a maximum of two Shoppers Stop vouchers worth Rs. 1,000 each, in an anniversary year.

What is the interest rate on this credit card?

The interest rate on the HDFC Solitaire Credit Card is 3.6% per month.

What is maximum cap on fuel surcharge waiver I get with this Credit Card?

With the HDFC Solitaire Credit Card, you can get a maximum fuel surcharge waiver of Rs. 250 every statement cycle.