MyFinCards
Solitaire Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 0.5 Lakhs)

HDFC Bank
Lifestyle
Rewards
Cashback
Best For: Dining and grocery spenders, Existing HDFC Solitaire cardholders, PayZapp shoppers

Solitaire Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.2

Earning Cap

₹5,000 /statement_cycle

Pros

  • 50% more Reward Points on dining and grocery expenses
  • Milestone vouchers worth ₹1,000 on ₹75,000 spend in 6 months
  • 1% fuel surcharge waiver up to ₹250 per statement cycle
  • ₹1,000 CashBack on PayZapp in-app shopping
  • Up to 50 days interest-free credit
  • Low annual fee of ₹500

Cons

  • Card sourcing has been stopped; no new applications accepted
  • High monthly interest rate of 3.6% (43.2% annually) on outstanding balance
  • Fuel surcharge waiver capped at ₹250 per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Annual fee waiver requires ₹50,000 spend within a year

Milestone voucher limited to 2 per year

Interest rate increases to 3.6% per month (43.2% annually) effective September 1, 2020

Key Benefits & Features

EMV Chip Card technology for protection against unauthorised use.

Official Terms & Conditions

About Solitaire Credit Card

The HDFC Bank Solitaire Credit Card is a lifestyle and rewards credit card designed for everyday spenders who want to maximize value on dining, grocery, and utility purchases. Please note that new applications for this card are no longer accepted; however, existing cardholders continue to enjoy all its benefits. The card earns 3 Reward Points for every ₹150 spent, with a generous 50% bonus points on dining and grocery transactions. Cardholders can redeem every 100 Reward Points as ₹20 cashback against their outstanding balance. For milestone spenders, crossing ₹75,000 in spends within 6 months unlocks a ₹1,000 Gift Voucher, with up to 2 such vouchers available annually. Additionally, a 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Linking the card to PayZapp enhances its value further, offering ₹1,000 cashback on in-app shopping across 200+ brands, along with additional rewards on utility bills and mobile recharges. The card carries an annual fee of ₹500 plus GST, which is waived for the following year upon spending ₹50,000. Cardholders also benefit from up to 50 days of interest-free credit and EMV Chip Card technology for secure transactions.

Expert Review

Our Verdict

Premium lifestyle card with reward points, dining bonuses, milestone vouchers & fuel waiver for existing customers.

Frequently Asked QuestionsAbout Solitaire Credit Card

BENEFITSWhat are the benefits of the Solitaire Credit Card?
The benefits of the Solitaire Credit Card include reward points on every purchase, CashBack options, dining and grocery rewards, fuel surcharge waiver, comprehensive insurance protection, lounge access, golf privileges, and more. You earn 3 Reward Points for every ₹150 spent, with 50% more points on dining and grocery expenses. Additional perks include milestone vouchers worth ₹1,000 on ₹75,000 spend in 6 months and ₹1,000 CashBack on PayZapp in-app shopping.
OTHERWhat is the Solitaire Credit Card?
The Solitaire Credit Card is a premium Credit Card offered by HDFC Bank. It provides exclusive rewards, personal finance, CashBack options, and offers, along with a host of other benefits and features. It is designed for lifestyle-oriented customers who want to earn rewards on everyday spending like dining, groceries, and fuel. Please note that sourcing of this card has been stopped and new applications are no longer being accepted.
USAGEHow to use the Solitaire Credit Card?
To use an HDFC Bank Solitaire Credit Card, simply swipe or insert the card at the payment terminal when making a purchase. You can also use it for online transactions by entering the card details. Earn reward points on every transaction, which can be redeemed for shopping vouchers, airline tickets, and more. The card is also equipped with EMV Chip Card technology, keeping you protected against unauthorised use.
FEESIs the Solitaire Credit Card free?
No, the Solitaire Credit Card incurs an annual fee of ₹500 + GST. However, if you spend ₹50,000 in a year, you can get a waiver of next year's annual membership fee. The joining fee is also ₹500. This makes it a relatively low-cost card, but the fee waiver benefit allows active users to effectively avoid recurring annual charges.
APPLICATIONHow to apply for a Solitaire Credit Card?
HDFC Bank is currently not accepting new applications for the Solitaire Credit Card. Sourcing of this card has been stopped. However, existing customers of this card will continue to enjoy all its benefits. If you are looking for a new credit card, you can explore a range of other HDFC Bank credit cards that may suit your needs by visiting the HDFC Bank credit card page.
REWARDSHow many Reward Points do I earn on the Solitaire Credit Card?
You earn 3 Reward Points for every ₹150 spent using the Solitaire Credit Card. Additionally, you get 50% more Reward Points on dining and grocery expenses, making it more rewarding for everyday spending categories. You can redeem 100 Reward Points as ₹20 cashback against your Credit Card's outstanding amount. Points can also be redeemed for shopping vouchers, airline tickets, and more.
REWARDSWhat is the milestone benefit on the Solitaire Credit Card?
On crossing spends of ₹75,000 in 6 months, you get a Gift Voucher worth ₹1,000. You can earn up to 2 such vouchers in a year, meaning a total voucher benefit of up to ₹2,000 annually. This milestone benefit is a great incentive for regular spenders and adds significant value to the card, especially given its low annual fee of ₹500.
BENEFITSWhat is the fuel surcharge waiver on the Solitaire Credit Card?
The Solitaire Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. The maximum waiver is capped at ₹250 per statement cycle. This benefit helps cardholders save on fuel costs during regular refueling. To avail of this benefit, fuel transactions must fall within the specified transaction value range.
FEESWhat is the interest rate on the Solitaire Credit Card?
Effective September 1, 2020, a monthly interest rate of 3.6% (equivalent to an annual rate of 43.2%) is applied to any outstanding balance carried beyond the bill's due date. Previously, the rate was 3.49% per month. To avoid interest charges, it is advisable to pay your full outstanding balance before the due date. The card also offers up to 50 days of interest-free credit from the date of purchase, subject to timely payments.
BENEFITSHow many interest-free credit days does the Solitaire Credit Card offer?
The Solitaire Credit Card offers up to 50 days of interest-free credit from the date of purchase. This means if you pay your outstanding balance in full before the due date, no interest will be charged on your purchases. This offer is subject to the submission of the charge by the merchant. Taking full advantage of this benefit can make the card a cost-effective payment tool for daily expenses.
REWARDSWhat is the PayZapp CashBack benefit on the Solitaire Credit Card?
Solitaire Credit Card holders can get ₹1,000 CashBack on shopping in-app for over 200+ brands with PayZapp. By linking your HDFC Bank Solitaire Credit Card on PayZapp, you can earn additional CashBack along with the card's Reward Points on utility bills, mobile recharges, and more. You can also securely pay without the hassle of OTPs using the 'Swipe to Pay' feature on PayZapp.
APPLICATIONIs the Solitaire Credit Card still available for new applicants?
No, the sourcing of the HDFC Bank Solitaire Credit Card has been stopped and no new applications are being accepted. However, existing cardholders will continue to enjoy all the card's benefits without any disruption. If you are looking for a new credit card, HDFC Bank offers a range of other credit cards across lifestyle, rewards, travel, and premium categories that you can explore and apply for.
USAGEHow can I redeem Reward Points on the Solitaire Credit Card?
You can redeem your Solitaire Credit Card Reward Points in multiple ways. One option is to redeem 100 Reward Points as ₹20 cashback against your Credit Card's outstanding amount. Points can also be redeemed for shopping vouchers, airline tickets, and more. You can view and redeem your points easily through the card management interface available on HDFC Bank's platform, which allows redemption at the push of a button.
BENEFITSWhat security features does the Solitaire Credit Card offer?
The Solitaire Credit Card comes equipped with EMV Chip Card technology, which protects you against unauthorised use when you shop anywhere. This chip-based security significantly reduces the risk of card cloning and fraud. Additionally, the card supports revolving credit at a nominal interest rate, and the PayZapp 'Swipe to Pay' feature allows you to make secure payments without the hassle of OTPs, adding another layer of convenience and safety.
FEESWhat is the annual fee waiver condition for the Solitaire Credit Card?
The Solitaire Credit Card has an annual fee of ₹500 plus GST. You can get a waiver of the next year's annual membership fee if you spend ₹50,000 or more within a year. This means active cardholders who meet the spending threshold can effectively use the card without paying any renewal fee. The joining fee of ₹500 applies at the time of card issuance.

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