VISA
HDFC BankSolitaire Credit Card
Joining₹500
Annual₹500/yr
Reward2%
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Free food delivery membership + cashback on every order
Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer
Complimentary 3 Months Swiggy One Membership
Base earn rate
1 pts per ₹100
Fraud liability
Zero Cost Card Liability Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.
Employment types
Required documents
Additional features
No rewards on
Fuel · Rent · Emi · Wallet · Jewellery · Government Transactions · Cash Advances · Travellers Cheques · Foreign Currency Purchase · Interest Charges · Penalties
Card management via HDFC Bank MyCards.
Remaining 65% of spend earns the 1% base rate.
Rewards / year
₹12,000
≈ 2.00% effective
Annual fee
₹0 (waived)
waived at ₹1,50,000/yr spend
Net steady-state return
+₹12,000/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹12,000 a year.
One-time joining fee (year 1 only): ₹500
One-time welcome benefit — Complimentary Swiggy One Membership for 12 months (existing holders extended by 12 months); requires card activation within 37 days of issuance and claiming 'Swiggy One' on the Swiggy app
Based on published rates as of 2026-08-07. Rewards estimates, not guarantees.
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