HDFC Solitaire Credit Card Review

The hdfc solitaire credit card is a specially designed credit card for women. It is best for its simplicity and benefits for shopping, which makes this card very helpful for beginners. It lets you enjoy exclusive rewards on shopping, fuel surcharge waiver, an annual fee waiver option, and a number of useful hdfc credit card features. This card is powered by Visa and the annual fee of the card is Rs.500 per year. Make sure to read the complete review to know more about the solitaire hdfc credit card benefits.

Who can apply for hdfc solitaire credit card?

  • Resident Type: Indian
  • HDFC credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be greater than Rs.25,000 (Approx)
  • HDFC bank credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs.4 lakh (Approx) 
  • An excellent credit score (above 680) is needed to apply for this hdfc solitaire credit card.

Once your credit card application is submitted successfully, you can track your hdfc credit card application status using application number or by using the registered mobile number from the hdfc credit card application status tracking online portal.

What documents are required to apply for the HDFC solitaire credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per new rbi guidelines for credit card issuers, all new credit cards are delivered in an inactive state, therefore, if you want to know the hdfc credit card online pin generation process then feel free to take a look at our FAQ page.

What are the hdfc solitaire credit card fees?

  • HDFC solitaire credit card joining fee: Rs.500 + GST
  • HDFC solitaire credit card annual fee: Rs.500 + GST

What are the hdfc solitaire credit card benefits

  • Exclusive hdfc credit card shopping offers:

You will be rewarded for almost every transaction made with this card. You will get 3 reward points for each Rs.150 transaction. Also on dining and grocery spending, this solitaire card offers 50% extra rewards

Now the question is, how to redeem reward points on hdfc solitaire credit card? You can convert the reward points of hdfc credit card into cash, you will get Rs.20 for every 100 points. You can also use your points to buy a product from the hdfc solitaire credit card points redemption catalog. 

You can check your total earned points from your hdfc credit card netbanking account or from your monthly hdfc credit card statement. The hdfc credit card redemption form can be found in the HDFC credit card form center.

  • Get freedom from fuel surcharges:

Use this solitaire hdfc credit card to purchase fuel and you will get a 1% waiver on fuel surcharges, you can get this offer at almost any fuel station in India. The transaction amount should be between Rs.400 to Rs.5000 and you can get a maximum waiver of Rs.250 in an HDFC credit card billing cycle. 

  • Opportunity to earn some more:

You can earn some extra benefits from your card too. Just spend Rs.75000 within six months and you will get an Rs.1000 gift voucher. You can earn a maximum of 2 vouchers in a year. 

You can track your hdfc credit card usage from the HDFC mobile app. You can also download your hdfc credit card e-statement from there. 

  • Make your credit card free for a lifetime:

On spending Rs.50,000 in a year, you will get a complete waiver on your credit card annual fee. So if you want to make your hdfc credit card free for a lifetime, you just have to keep spending Rs.50,000 per year. 

You can make your hdfc credit card payments online from your hdfc credit card app, or by using any credit card payment apps like; Cred, Paytm, Phone Pe, Google Pe, etc. You can also make your hdfc bank credit card payment through neft, cheque, or by visiting your nearby branch

  • Enjoy easy bill splitting:

With this solitaire credit card hdfc bank offers Smart EMI option, that allows you to split your big shopping amounts into small monthly installments. You can calculate the applicable credit card emi interest rates from the hdfc credit card calculator.  

The hdfc credit card emi conversion process can be done through the hdfc bank credit card netbanking account. For help on the hdfc credit card emi conversion process is available on the 100xGain FAQ page

  • Enjoy the cutting-edge security:

This solitaire hdfc credit card features an advanced EMV chip. It stores your hdfc credit card information using a very strong encryption method that makes your card nearly impossible to clone.  

But if you notice something suspicious with your account, you should immediately inform it by calling the hdfc credit card department toll-free number. You can also file a dispute against any credit card transaction, the hdfc bank credit card complaint form is available at the hdfc credit card form center.

What are the hdfc solitaire credit card charges?


Payable amount

Charges for cash withdrawal from credit card 2.5% against the transaction amount, min Rs.500 (Check your available hdfc credit card limit before making a withdrawal) 
What is interest rate of HDFC solitaire card? The hdfc credit card rate of interest is 3.6% monthly or 43.2% annually (applicable if your hdfc solitaire credit card payment is not made within time)
HDFC international credit card transaction charge 3.5% against the transaction amount.
HDFC bank add on credit card charges Free for a lifetime.

One of the most asked questions is, Which type of HDFC credit card is best? The answer depends on your credit card usage and your budget. So visit our HDFC bank credit cards page and find the card that suits your needs.

 How to contact hdfc credit card customer care department?

  • Call the hdfc bank credit card call center number: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc bank credit card complaint email id: 

If you don’t want to continue with your old HDFC credit card, then you can just close your account very easily. You can find the hdfc credit card closure process on our HDFC credit card FAQ page.

100xGain Ratings: 


Pros and cons of the hdfc bank solitaire credit card:



  • This hdfc solitaire credit card offers reward points on every transaction.
  • You can make a big monthly saving on fuel surcharges.
  • This hdfc visa solitaire credit card does not offer any discount on dining and movie tickets.
  • There are no hdfc solitaire credit card airport lounge access benefits available.

It is often asked. ‘Does HDFC solitaire credit card have lounge access?’ the answer is no, it does not, but you can use this card to get paid access to any airport lounges.

Final Opinion:

If you are new to the credit card market and need a credit card to gather some experience, then this card will be a good option for you. As said before it is a basic hdfc shopping credit card , and like all entry-level credit cards, there are no extraordinary travel and lifestyle benefits on this card. But it offers reward points on every purchase, extra rewards on grocery and dining, which are just enough to justify the Rs. 500 annual fee.  

But if you are looking for premium benefits at an affordable rate, then feel free to take a look at the regalia hdfc credit card. You can also compare the alternative cards given below.

Alternative cards of this hdfc womens credit card: 

  1. HDFC Platinum Plus Credit Card (Best for offering reward points) 
  2. LIC Signature Credit Card (Best for offering reward points and lounge access) 
  3. SBI Signature Credit Card (Best for reward points, lounge access, and movie benefits) 

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