HDFC Solitaire Credit Card for Women Review

By | November 24, 2015

hdfc-solitaire-credit-cardSolitaire Credit Card is one of the exclusive credit card of HDFC dedicated especially for its Female customers to give them higher benefits and to attract Females towards banking services and encouraging them to avail more credit benefits from their banks. Since women are considered more shopaholic and loves to follow the latest trendy avatar, bank has exclusively designed this card so that they can get attractive rebates in shopping and free admission to elite clubs etc..

Redeeming Reward points in Solitaire Credit Card:

Another attractive feature of the card is with more reward points which you can earn on this card can be used to buy stuffs from rewards catalog or you can even convert to cashback against statement. That is, you can get your reward points get cashed against your bills to be paid on this card. Also you can avail 50% more reward points on your dining and grocery spending on this as compared to all other cards of HDFC. It has a feature of India Miles in which you can get your reward points get cashed against your flight tickets.

Reward points Validity: 2 yrs

It gives you vouchers of shoppers stop of total 2k in a year on spending 75000 every 6 months. Though the annual fees of the card is 500/- per annum but it can be waived off for life time with a insta loan of 12000/- which bank these days offer while processing your form @ 1.1% (monthly) rate of interest which bears the least of interest and making your card Life Time Free.

These reward points can be exchanged against shopping vouchers (or) also as cashback against the statement @ 1 Reward Point= 0.40 Ps

Additional benefits on Solitaire Card:

Get 2 Shoppers Stop vouchers every year worth Rs. 1,000/- each (Assuming the overall spend every 6 months is above Rs. 75,000/-)

Features of HDFC Solitaire Credit Card:

  • CardExpert Rating: 6/10
  • Reward Rate: 0.8% – upto 1.2%
  • Reward Points: 3 Reward Points for every Rs 150 spent and 50% more reward points on spending of grocery and dining.
  • Fuel Surcharge waiver: Get cash back on fuel with a maximum cap limit of Rs 250 per billing cycle.
  • Renewal Fee Waiver: Rs. 500 annual fees for the first year but if you spend Rs.10,000 within first 90 days from date of receipt of card the annual fees will be waived off and from second year onwards you need to spend Rs.50,000 in the entire year to get your fees reversed.
  • Complementary Airport lounge access: No.
  • Foreign Exchange Markup fee: 3.5% + Service Tax

Final verdict on Solitaire Credit Card:

The card is considered in semi-premium segment since it is designed especially for female customers. So if you are passionate for shopping or want to stand in the market independently with your own credit standards, surely the card is a best pick for you. If you purchase only offline, its more or less equivalent to Moneyback card on rewards front, but if you spend online, consider to take Moneyback credit card as it gives 3X reward points for online expenses. Solitaire is dedicated to female segment alone, with little bit of additional features.

You can get on one since it gives extra points on dining and grocery which is a plus for frequent diners. The limit of the card is also good enough and ranges between 75k-1Lakh. Any queries? drop your comment below 🙂

20 thoughts on “HDFC Solitaire Credit Card for Women Review

  1. Amruta

    Hi Siddharth,
    Which one would you recommend between Solitaire and moneyback?
    Also, very very informative articles. extremely useful! thank you very very much.

    Reply
    1. Siddharth

      Amruta,
      Its Already compared in the article. Read the last section of the article 🙂

      Reply
  2. Priyanka

    Hello.. I already own a Solitaire card.. please do advise me how I can get this converted into a llifetime free card i.e, without annual charges. Thank you!

    Reply
    1. Siddharth

      After using for 6 months or so, email HDFC support if they can upgrade you to Allmiles. They’ll certainly do it as Lifetime Free Card.

      Reply
  3. Lini

    What s the billing period of the solitaire hdfc credit card?

    Reply
    1. Siddharth

      usually most cards has billing around 10-15th of the month.

      Reply
    1. Siddharth

      EMI offer on HDFC cards vary from time to time. It will be refreshed on every card monthly. So you may or may not have.

      Reply
    1. Siddharth

      Typically, if you spend on shopping/travel websites, you get EMi offers easily.

      Reply
  4. Deepa

    Thanks for your reply….

    Actually i did shopping but when i called customer care for EMI option they told me that , there is no EMI option.

    Reply
    1. Siddharth

      The EMI offer is refreshed every month for all users. Any big purchases on flipkart etc easily enables your a/c for the EMI/loan offers. Check back after a month, you maybe lucky.

      Reply
  5. Madhu

    How Soitare card will be free for lifetime? Is there anything needs to be upgraded or any other way ?

    Reply
    1. Siddharth

      Solitare card is very basic one. Try to upgrade to allmiles or Regalia.

      Reply
  6. Bhavani N.

    Hi,
    The sales representative told me that solitaire is life time free and that I do not have any joining / annual fee.
    The news above is confusing. Kindly guide!

    Reply
    1. Siddharth

      Bhavani,
      To HDFC, every customer is different and recently they’re issuing almost all cards for free.
      So if sales rep. says its free, you can certainly believe it.
      They usually take sign from you for the same. They did so for me when they gave me lifetime free card.

      Reply
  7. Arfa khan

    Hi
    I recieved this card yesterday.. My first credit card.. Not much into credit card details so I wish to know if there is any annual charge built on this card and what should be done to erase tht card charge.. The agent called me said tht the first transaction should be through some website..could hardly understand her.. Can u plz help me

    Reply
    1. Siddharth

      Yes, HDFC offers lots such promotions. I guess you’re talking about txn’s done on “PayZapp” to make the card lifetime free.
      Any offer that you receive on writing (usually they ask to sign those docs while applying for the card) should be working.

      Reply

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