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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 4.5 Reward Points per ₹150
Earn 3 Reward Points for every ₹150 spent on all retail purchases. Earn 50% more Reward Points (4.5 RP per ₹150) on dining and grocery spends. Base redemption value is typically ₹0.15 per point against the statement balance.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefit: Get a Shoppers Stop voucher worth ₹1,000 every 6 months on spending ₹75,000 (up to ₹2,000 annually)
Annual fee of ₹500 is waived upon spending ₹50,000 or more in the previous anniversary year
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle)
Zero liability on fraudulent transactions if the loss of the card is reported immediately
An honest read on where this card earns its keep — and where it doesn't.
Excellent milestone benefit (Shoppers Stop vouchers) for a card with such a low annual fee
Easily achievable annual fee waiver target of just ₹50,000
Accelerated rewards on common household expenses like groceries and dining
Low base reward value (₹0.15 per point) compared to modern cashback cards
No complimentary domestic or international airport lounge access
Rewards expire after 2 years
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Solitaire Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Solitaire Credit Card fees, reward conversion, lounge access, and application eligibility.
HDFC Solitaire Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of 500 Reward Points upon realization of the first-year membership fee.".
HDFC Solitaire Credit Card earns Reward Points at a primary rate of Up to 4.5 Reward Points per ₹150. Specifically, Earn 3 Reward Points for every ₹150 spent on all retail purchases. Earn 50% more Reward Points (4.5 RP per ₹150) on dining and grocery spends. Base redemption value is typically ₹0.15 per point against the statement balance.. Spends in Shopping, Rewards, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Solitaire Credit Card can be redeemed for Product Catalogue, Cashback / Statement Credit, Airmiles via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Solitaire Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Solitaire Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Solitaire Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Solitaire Credit Card currently features a welcome offer: "Welcome benefit of 500 Reward Points upon realization of the first-year membership fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent milestone benefit (Shoppers Stop vouchers) for a card with such a low annual fee and Easily achievable annual fee waiver target of just ₹50. However, keep in mind that Low base reward value (₹0.15 per point) compared to modern cashback cards and No complimentary domestic or international airport lounge access. Overall, HDFC Solitaire Credit Card delivers strong value if your regular spending aligns with Shopping, Rewards, Entry Level.
HDFC Solitaire Credit Card is focused on Shopping and Rewards and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC Solitaire Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
