Solitaire 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: 3/5 [yasr_overall_rating]
- 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 🙂
Hi Siddharth,
Which one would you recommend between Solitaire and moneyback?
Also, very very informative articles. extremely useful! thank you very very much.
Amruta,
Its Already compared in the article. Read the last section of the article 🙂
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!
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.
What s the billing period of the solitaire hdfc credit card?
usually most cards has billing around 10-15th of the month.
Thanks Siddharth for all these information.
Does this card have an emi option on its transactions ??
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.
Hi Siddarth,
if i need EMI option what i need to do?
Typically, if you spend on shopping/travel websites, you get EMi offers easily.
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.
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.
Thank u
How Soitare card will be free for lifetime? Is there anything needs to be upgraded or any other way ?
Solitare card is very basic one. Try to upgrade to allmiles or Regalia.
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!
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.
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
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.
Hi, I had taken solitaire card recently and I wanted to apply for EMI on gold.Please let me know how to apply for EMI on gold..If not possible, please let me know how can I gtet gold EMI
Haritha,
You’ve to check if your card has EMI enabled. EMi option on cards are dynamic with HDFC and keeps changing.
If its available, you can convert any purchase to EMI.
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!
If they say its lifetime free, not to worry.
It should be free.
i would like to know that can the individual opting for a HDFC solitaire credit card be selective on the limit permissible. example if he/she is eligible for a limit of 3 lakh and above is it possible for them to ask for a lesser limit (approx 50,000/-)
No one would generally want to do this,
But yes, you can request to reduce your limit.
Hi SId,
Thanks for the article.
Is there any credit card for Housewives also, which provides some complimentary lounge access in India?
Housewives can also get any card (maynot be super premium) based on whom they are dependent and what A/c they hold with HDFC.
Hi Siddarth, thanks for the reply.
The credit behaviour of add-on card affects whose CIBIL Score? Primanry card holder’s only or both’s?
Primary only. Indian systems are yet to be matured!
Hey siddharth,
I wanted to know that one of my friend is holder of this card and she had made a payment of 10000 from his card and she did receive a call from cce of hdfc regarding the payment procedure.Is it necessary to pay the whole amount at one time because she is looking for emi and the cce told her that emi option is not avail on this card .Why is it so??
Sadly EMI feature is not available by default on HDFC cards. So she might yes, need to pay fully.
hi siddhartha,
i already own a solitaire lifetime free credit card. i just want to know if there something called protection charges for this card? i got 3-4 calls and they are saying that protction charges are 10,000 and this is mendatory. 🙁
Its not mandatory. You can simply skip it.
Suppose I purchas some thing of 100USD ie approx 7,000INR in USA through solitaire credit card then how much I have to pay?
1000$ Exchange rate + 3.5% fee + Service Tax
Hi Siddharth,
I have received this card last week.. My first credit card..I wanted to know the payment procedure for this. Do HDFC bank generate any bill for us or we need to pay the amount (used through cc) within the time limit on our own. And how is the days limit calculated (means From the day we spent or from the day we owned the card?).. Can u plz guide me with this me
They’ll generate a monthly bill. All details will be there in it. To know your bill date, check net-banking or talk to CC.
Got my wifes solitare card upgraded to regalia. Limit was increased from around 1L to 2.5L. Since the earlier card was mastercard they have issued world mastercard. I was hoping of getting visa sugnature, didnt realise abt mastercard. Can the card be converted to visa.
Its sad that now regalia is devalued.
Yes, you can. Just ask the cust. care to replace. Or you can even send letter from branch/RM.
Hi Siddharth, I have applied for solitaire card that as told as lifetime free by sales rep from HDFC bank. He said it would hold zero interest EMI on any purchase I make. Now my doubt is, whether there will be any extra charges that would be applicable or is it just life time free zero interest emi credit card where I would buy things and pay just the mrp amount divided by tenure I choose?
Its more of how credit card works.
Ideally, you just need to pay what you spend on your card, as long as you pay the bill within the due date.
Reg. 0% EMI,
This is merchant offer and it “does not” apply to all txns.
You choose to pay for X months at x% Interest while buying from flipkart (for ex) which will be billed to your card.
This needs to be paid before due date.
Hi Siddhartha,
I’ve a Solitaire card and was planning on getting a cash back done against the next billed statement. However, in the cash back redemption form, I see they have mentioned that each reward point will be equal to 0.20 ps. So after reading this article, I’m confused now. Please guide. Thanks!
Sir i want to book a flight tickets worth ruppes 7000.
I wanted to know that does this card give any kind of benefit to me and how much it gives.
Hi Siddharth,
I have recently applied for the Moneyback Solitaire card. Is the credit limit for this card fixed as between 75K-100K or it will depend on my monthly income?
hi , can i know what should be a per annum income for Solitaire card .
Hi siddharth
3reward points on 150 spent is also on online spents or only for offline spents. And 1000 shoppers voucher is applicable on online spent or offline spent only
I have Solitaire card and i want to convert my reward point into cash . Is there any option to convert reward point in cash
whether SBI simply save is better then this card
Is there balance transfer option in Hdfc card.
Hi , I have the Solitaire hdfc credit card with me since from last year, however I have not yet used, but Now I am thinking of to use this credit card, what is the first step to use this card.
Going by your comments, it might be better you surrender & close the credit card & use cash instead for the sake of your financial health & mental happiness of your near and dear ones. Amen 🙂
Is this an international card, can i swipe it in VISA consulate (dollars)?
Looks like the reward points has been devaluated ….
Now for shopping vouchers its showing – 0.25 Ps
so that makes this card utterly useless with a reward rate of 0.67%
The only advantage its a LTF card. So u can keep as a backup or emergency.
CardExpert Team please have a look and update
Hi Sidharth!
Which one will be best for Complementary Airport lounge access!