HDFC Solitaire Credit Card Review

The HDFC Solitaire Credit Card is one of the budget-friendly credit cards from HDFC bank. It is best for its simplicity and benefits on shopping, which makes this card very helpful for beginners. It offers exclusive rewards on shopping, fuel surcharge waiver, annual fee waiver option, lost card liability coverage, and some other useful hdfc credit card features. This card is powered by Visa and the annual fee of the card is Rs. 500 per year. 

Eligibility Criteria:

  • Resident Type: Indian
  • 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)
  • 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) 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 770) is needed to apply for this card. 

Required documents 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

Once your 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

HDFC Solitaire Credit Card Fees:

  • Joining Fee: Rs. 500 + GST
  • Annual Fee: Rs. 500 + GST

As per new rbi guidelines for credit card issuers, all new credit cards are delivered in an inactive state. And to start using your card, you have to activate it manually from your net banking account or from your nearby ATM. The hdfc credit card online pin generation process is discussed on our FAQ page

HDFC Solitaire Credit Card Benefits:

  • Exclusive hdfc credit card shopping offer:

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 spends this card offers 50% extra rewards.

You can convert the reward points of hdfc credit card into cash via net banking; 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 statment . The hdfc credit card redemption form can be found in the HDFC credit card form center.

  • Freedom from fuel surcharge:

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 is an HDFC credit card billing cycle. 

  • Extra benefits on milestone spending:

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. 

  • Opportunity to 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 net banking account, or by using any credit card payment apps . You can also make your hdfc bank credit card payment through neft , cheque, or by visiting your nearby branch. If you need the hdfc credit card neft payment ifsc code then you can find it from the official hdfc credit card website . The complete hdfc credit card payment procedure is discussed on the 100xGain FAQ page

  • Convert your payments into EMI:

Using the SmartEMI option, you can 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 credit card net banking account. The complete hdfc credit card emi conversion process is available on the 100xGain FAQ page

  • Lifetime free add-on card:

HDFC allows you to add your loved ones (age: 18+) with your card as add-on members so that they can also enjoy the benefits of a credit card . You can set a solitaire hdfc credit card limit for each of your add-on card members from your hdfc bank credit card netbanking account

  •  Secure advanced EMV chip-embedded card:

This card is equipped with an advanced EMV chip. Previously all your sensitive hdfc credit card information used to be saved on those black magnetic strips which can be hacked very easily. But the new EMV chips use a very strong encryption method to store your data, which makes it nearly impossible to clone.  

Although, fraudulent transaction can happen anytime, and if you notice something suspicious with your account, you should immediately report 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.


Particulars Payable amount
Cash Withdrawal Charge. For cash withdrawal from credit card you will be charged 2.5% against the transaction amount, min Rs. 500.
Finance Charges. The hdfc credit card rate of interest is 3.6% monthly or 43.2% annually.
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

HDFC Credit Card Contact Details:

  • 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 the HDFC credit card FAQ page. You can download the hdfc credit card closure letter format, from the form center. 

100xGain Ratings: 


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.  

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