HDFC Solitaire Credit Card

Joining Fee: 500
Renewal Fee: 500
Best Suited For: Travel
Reward Type: Reward Points
Welcome Benefites: A free wellness package from Thyrocare.

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The Solitaire credit card by HDFC Bank is an exclusive credit card for women. The credit card offers the maximum benefits on shopping along with a wide range of reward points on a wide range of categories. These reward points can be redeemed for a long list of exciting options.To apply for the Solitaire Card, you would have to submit your income proof, address proof, and identity proof. The precise list of documents would be communicated to you by the bank at the time of applying for the card.

New Features

Spend Based Waiver

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

Interest Rates

3.6% per month (43.2% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 on every redemption request.

Fuel Surcharge

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

Foreign Currency Markup

3.5% on all foreign currency spends.

Cash Advance Charges

2.5% of the cash amount withdrawn or a minimum of Rs. 500.

Movie & Dining

N/A

Travel

N/A

International Lounge Access

N/A

Rewards Rate

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

Golf

N/A

Insurance Benefits

N/A

Reward Redemption

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

Domestic Lounge Access

N/A

Zero Liability Protection

N/A

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 spends. 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. Under the milestone benefits, cardholders can earn shopping vouchers worth up to Rs. 2,000 every 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.

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