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Federal BankThe HDFC Bank Solitaire Credit Card is one of the two HDFC Credit Cards that are targeted at women professionals, the other one being the HDFC Bank Premium Credit Card. The Solitaire Credit Card is a basic card that comes with a nominal annual fee of Rs. 500 and welcomes cardholders with a complimentary wellness package. With this card, you earn 3 Reward Points on every Rs. 150 you spend and accelerated Reward Points on groceries and dining spends. Other than this, you get 1,000 bonus reward points every year on card renewal. These points can be redeemed against various products/vouchers, Airmiles, and cashback.
Keeping the women’s love for shopping in mind, the card offers you up to 2 complimentary Shoppers Stop vouchers every year on achieving the milestone spend. You can save an additional Rs. 500 by getting the renewal fee waived on the basis of your total annual spends. Other benefits of the card include a 1% fuel surcharge waiver, zero liability protection, etc. To know more about the card’s features and fees & charges, keep reading the article:
HDFC Bank Solitaire Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
NA
Rewards Rate
3 Reward Points on every spend fo Rs. 150, and 50% more Reward points on dining & groceries.
Reward Redemption
1 Reward Point = Re. 0.20 for redemption against cashback.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
You get zero liability protection against a lost/stolen card if the loss of the card has been reported to the bank in a timely manner.
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.
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
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2.5% of the cash amount withdrawn or a minimum of Rs. 500.
Add-on Card Fee
Nil
- 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
- 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.
HDFC Solitaire Credit Card Features and Benefits
The HDFC Solitaire Credit Card is issued by the bank exclusively for women and comes with great shopping benefits. From welcome benefits to milestone benefits to reward programs, the card has great advantages over different categories. Refer to the detailed information given below to understand all its features and benefits:
Welcome Benefits
- You get a complimentary wellness package from Thyrocare as a welcome benefit.
- You get this welcome benefit only after successfully paying the joining fee.
- From the second year of card membership, you get 1,000 bonus Reward Points every year on paying the renewal fee.
Reward Points
- You get 3 reward points on every retail purchase of Rs. 150 using the HDFC Bank Solitaire Credit Card.
- You get 50% extra Reward Points on your grocery and dining spends.
- The Reward Points you earn using this credit card are only valid for 2 years from the accrual date.
Reward Points Redemption
- You can redeem your earned Reward Points against airlines for various domestic airlines.
- You can also redeem your reward points against your card’s outstanding balance at a rate of 1 Reward Point = Re. 0.20 (100 Reward Point = Re. 20).
- For redemption against products/vouchers, you can check the HDFC Rewards catalog.
- The HDFC Bank charges a reward redemption fee of Rs. 99 on every redemption request. However, this fee is not chargeable for the redemption of reward points against cashback.
Milestone Benefits
- You get a Shoppers Stop voucher worth Rs. 1,000 on achieving a spend of Rs. 75,000 in six months.
- You can get a maximum of 2 vouchers every year.
Spend-Based Waiver
The annual fee of Rs. 500 is waived (second year onwards) if you have spent Rs. 50,000 or more in the previous anniversary year.
Fuel Surcharge Waiver
- You get a 1% fuel surcharge waiver for all fuel transactions between Rs. 400 and Rs. 5,000.
- The maximum waiver is capped at Rs. 250 per statement cycle.
Eligibility Criteria for HDFC Bank Solitaire Credit Card
Since this card is specifically designed for women, only women can apply for it. All women above the age of 21 years with a stable source of income are eligible to apply for this card.
- In the case of salaried women, the age should be between 21 years and 60 years.
- In the case of self-employed women, the age should be between 21 years and 65 years.
How to Apply For The HDFC Solitaire Credit Card?
The HDFC Bank allows you to apply for the Solitaire Credit Card online as well as offline at your convenience. To apply offline, you will have to visit your nearest HDFC Bank branch and fill in the physical application form. Make sure to carry all the important documents with you. However, if you want to apply online, you can follow these simple steps:
- Click on the Apply Now button
- Fill in all the required details and submit the form.
Conclusion
The HDFC Solitaire Credit Card is targeted at women who want to make their shopping experiences more rewarding by saving on all their purchases. Along with regular reward points on all purchases, it earns you accelerated points on groceries and dining. SBI Card also offers one such card with a similar reward rate, which is the SBI SimplySave Credit Card. However, this is not only for women but can be issued to anyone. Talking about the Solitaire Card, you can earn shopping vouchers worth up to Rs. 2,000 every year on achieving the spend milestone. However, it doesn’t provide many benefits across travel, entertainment, etc., but you can save amazingly on your household and shopping expenses. So, you should definitely consider this credit card if you love shopping and want to save every time you spend. Also, if you have any further doubts regarding this card, you can freely ask us in the comment section below!
