Solitaire Credit Card

Annual fee₹500Waived on ₹0.5L spend

Rewards3 Reward Points for every ₹150 spent

Forex markup3.5%3.5% on all foreign currency transactions

No longer offered

HDFC Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Rewards

Base earn rate

3 Reward Points for every ₹150 spent

Category	Rate	Cap
Dining	—	—
Grocery	—	—

• Reward Points valid for 2 years from accumulation (standard). Infinia/Diners Black/BizBlack: 3 years. Easy EMI/PhonePe HDFC Bank Ultimo/Uno: 1 year. If card unused 365+ days, points nullified.
• Minimum redemption: 100 points
• Redemption fee: ₹99

Milestone benefits

Threshold —→ Gift Voucher worth ₹1,000

Fees & charges

Joining fee: ₹500
Annual / renewal fee: ₹500 plus GST annually
Annual fee waiver: Membership fee waiver for next year on spending ₹50,000 within a year
Interest rate: Effective September 1, 2020, a monthly interest rate of 3.6% (equivalent to an annual rate of 43.2%) will be applied to any outstanding balance carried beyond the bill's due date. 3.49% interest charged to any unpaid balance remaining beyond the bill's due date.
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

Features

✓ Chip & PIN

Additional features

Single Interface for Credit Cards, Debit Cards, Fastag and Consumer Durable Loans
Spends tracking - Simple interface to track all your spends
View and redeem points at the push of a button
Securely pay without the hassle of OTPs with 'Swipe to Pay'

Card management via PayZapp.