HDFC Solitaire Credit Card: Features & Benefits

Summary

HDFC Solitaire Credit Card is exclusively designed for women with rewards on shopping, dining, and groceries. This is a stylishly designed credit card that will provide both convenience in transactions and security through the contactless payment facility.

Some of the biggest advantages it offers are reward points, where the user earns 3 reward points per every ₹150 spent on regular purchases. In addition to this, dining and grocery spending earn 50% more reward points and hence perfect for everyday spending. These can be redeemed for shopping vouchers flight bookings or gifts and worth 1 reward point = ₹ 0.30.

It makes shopping more rewarding by offering a special ₹1,000 shopping voucher if the user spends ₹75,000 in six months. It’s a good way to get extra benefits for regular spending. It also supports EMI conversion, which helps the user pay for big purchases in easy installments.

Introduction

The HDFC Solitaire Credit Card has been designed considering women who take pride in the joy of shopping and lifestyle. The Solitaire Credit Card is very special as it considers the expenses and spending trends of women while availing numerous great rewards along with cash back. The attractive offers of better rewards points offered by HDFC Solitaire Credit Card make the deal even sweeter.

The Solitaire Credit Card has many other benefits, including a waiver of fuel surcharge, offers at dining restaurants, and access to lounges. Besides, cardholders receive insurance coverage to make their travels and shopping safer.

In today’s article, we will discuss in detail about HDFC Solitaire Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Solitaire Credit Card and will discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the HDFC Solitaire Credit Card?

The Credit Card is a premium credit card designed only for women and caters to their shopping and lifestyle preferences. This card rewards customers with cashback, shopping vouchers, and other benefits to make every spend rewarding.

Women can enjoy great deals on shopping and travel while availing themselves of added shopping vouchers and waivers of fuel surcharge when reaching a specific annual spending limit using the Solitaire Credit Card.

How is the design of the HDFC Solitaire Credit Card?

Credit Card is designed to be sleek and elegant. It features an upper-class color scheme comprising blue and silver, which thus gives the card an exclusive look. A highly modern, minimalist design encases the HDFC Bank logo and “Solitaire” branding, tastefully displayed.

It also features contactless payment, so it is convenient and easy to make transactions. In general, the card looks classy and sophisticated, ideal for women who desire a stylish credit card that functions well.

What are the benefits of the HDFC Solitaire Credit Card?

Here are the significant benefits of real reward points:

1. Shopping benefits:

• 3 reward points forever

• y purchase of ₹150 at retail

• 50% more rewards on dining and grocery spending.

2. Reward redemption:

• 1 reward point = ₹0.30, fly, shop, and gift

• Redeem points simply through the HDFC Bank SmartBuy site.

3. Cashback & Gift Vouchers 

• Spend ₹75,000 in 6 months and get a ₹1,000 shopping voucher from popular brands.

4. Lifestyle & EMI Benefits

• Large buys can be made easy for EMIs.

• Exclusive Offers on partner brand

5. Security & Protection

• Lost card liability would be zeroed if reported to the bank. Contactless Payments for faster, safer transactions.

What are the fees for the HDFC Solitaire Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (43% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Solitaire Credit Card?

The following are the primary requirements:

1. To apply for the  HDFC Solitaire Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Solitaire Credit Card?

The documents that you will have to submit to get a Solitaire Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Solitaire Credit Card be used?

Here is the list of places where you can use it:

• With the Solitaire Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Solitaire Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Solitaire Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Solitaire Credit Card?

The credit amount you can spend is what you are provided with a Solitaire Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC Solitaire Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Solitaire Credit Card.

• Just hover your cursor on the HDFC Solitaire Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the Solitaire Credit Card.

• Request for the credit card application form of the Solitaire Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Solitaire Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Solitaire Credit Card in 2025 be right?

Yes, getting an HDFC Solitaire Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HDFC Solitaire Credit Card is a great financial tool for women, making their shopping, travel, and lifestyle expenses more profitable and convenient. Solitaire Credit Card is designed especially for women who want to get better rewards and benefits for their everyday needs as well as on special occasions.

Other attractive features include the waiver of the fuel surcharge, dining offers, and lounge access provided by Solitaire Credit Card. Also, the insurance coverage provided to cardholders will ensure that their traveling and shopping are safe and risk-free, hence they can enjoy their expenses without any apprehension.

Solitaire Credit Card rewards the spending habits of women while helping them lead a balanced and secure financial life. With great features, rewards points, and cashback schemes, the HDFC Solitaire Credit Card is ideal for women who want to spend smartly and get great returns on their investments.

Frequently Asked Questions (FAQ’s)