The verdict
A thoughtful, high-yielding lifestyle card designed for women professionals. Accelerated rewards on grocery and dining combined with annual Shoppers Stop vouchers effortlessly beat the ₹999 fee.
Spending ₹6,000/mo on groceries/dining (2,160 pts/yr = ₹432 value) + ₹4,000 other retail (960 pts/yr = ₹192) + ₹1,000 Shoppers Stop gift voucher + saves ₹400 on fuel clears the ₹1L spend to waive the ₹999 fee, delivering over ₹2,024 in net annual utility value (2.03× ROI).
No airport lounge access and points redemption rate is 1 pt = ₹0.20.
✓What works
- +Earn 50% more reward points on dining and grocery spends (4.5 points per ₹150 spent = 1.5% return).
- +Earn 3 Reward Points for every ₹150 spent on all other general domestic retail purchases.
- +₹1,000 Shoppers Stop gift voucher on spending ₹75,000 in every 6 months (up to ₹2,000 per year).
- +Annual renewal fee of ₹999 waived on spending ₹1,00,000 in the anniversary year.
- +1% fuel surcharge waiver on all petrol pumps in India on transactions between ₹400 and ₹4,000.
- +Points can be redeemed on SmartBuy for flights, hotels, or lifestyle gift vouchers.
✕What doesn't
- −No complimentary airport lounge access.
- −Annual renewal fee of ₹999 + GST.
- −Standard 3.5% + GST forex markup on international transactions.
What it earns
1 Reward Point = ₹0.20 when redeemed for flights, hotels, or vouchers on HDFC SmartBuy.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Dining & Supermarket Groceries | 4.5 pts / ₹150 (1.50%) | Uncapped | 3,000 pts (₹600 value) |
| All Other Domestic Retail Spends | 3 pts / ₹150 (1.00%) | Uncapped | 2,000 pts (₹400 value) |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
50% More Points on Grocery/Dining + ₹1k Vouchers
Earn higher rewards on household groceries, dining, and unlock milestone shopping vouchers.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Dining & GroceriesOn supermarkets & dining. | 1.5X · 4.5 pts / ₹150 | Uncapped | — |
| Milestone Gift CardShoppers Stop gift card. | Vouchers · ₹1,000 Value | 1 / 6 months | — |
| Fee WaiverWaived at ₹1,00,000 spend. | 100% · ₹999 Waived | 1 / year | — |
Redemption options
Redeem points directly on HDFC SmartBuy portal for travel bookings, hotels, or gift vouchers.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| SmartBuy Travel & VouchersBEST VALUE | ₹0.20 / Reward Point | 500 pts | None | ₹99 + GST |
| General Catalog Merchandise | ₹0.15 / Reward Point | 500 pts | None | ₹99 + GST |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Supermarket groceries, dining, apparel, department stores.
- +General domestic retail shopping.
- +Shoppers Stop milestone shopping gift vouchers.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Renewal Fee | ₹999 + GST (Waived at ₹1 Lakh spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.49% / month (41.88% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Salaried Income | ₹30,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.6 Lakhs per annum |
Frequently Asked Questions
Does HDFC Solitaire Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for HDFC Solitaire Credit Card?
What is the reward rate and point redemption value on HDFC Solitaire Credit Card?
Which transactions are excluded from earning rewards on HDFC Solitaire Credit Card?
Who is HDFC Solitaire Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: HDFC Solitaire Credit Card
The HDFC Solitaire Credit Card is a premium women’s lifestyle and shopping credit card, curated specifically for modern women professionals, homemakers, and entrepreneurs. Issued at an annual fee of ₹999 + GST, the renewal fee is completely reversed upon spending ₹1,00,000 in qualifying retail purchases during the card anniversary year.
The card provides accelerated everyday value on household and lifestyle categories: cardholders earn 3 Reward Points per ₹150 spent (1.0% base return) on general retail, accelerating to 4.5 Reward Points per ₹150 spent (1.5% return) on dining and grocery shopping, complemented by up to ₹2,000 in annual Shoppers Stop vouchers (₹1,000 voucher on spending ₹75,000 every 6 months), and a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
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Accelerated 4.5 Points on Dining & Groceries: Earn 50% extra reward points (4.5 points per ₹150 spent) on all dining bills and supermarket grocery shopping.
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Up to ₹2,000 in Shoppers Stop Milestone Vouchers: Receive a ₹1,000 Shoppers Stop gift voucher upon spending ₹75,000 in each 6-month period (up to ₹2,000 every year).
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1.0% Base Reward Yield: Earn 3 Reward Points for every ₹150 spent on general retail purchases (1 RP = ₹0.30 on SmartBuy catalog).
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Achievable ₹1 Lakh Spend Waiver: Reversal of the ₹999 renewal fee upon reaching ₹1,00,000 in qualifying retail purchases within the anniversary year.
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1% Fuel Surcharge Waiver: Save on fuel transactions between ₹400 and ₹5,000 across all petrol pumps in India (up to ₹250 per billing cycle).
Important Terms and Spend Conditions to Keep in Mind
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No Complimentary Airport Lounges: Does not include complimentary airport lounge access across domestic or international terminals.
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Shoppers Stop Voucher Spend Hurdle: Earning the ₹1,000 Shoppers Stop voucher requires spending ₹75,000 within a specific 6-month window (not an annual average).
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Points Valuation: Reward Points carry a value of ₹0.30 when redeemed for catalog vouchers; cashback redemption is lower.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero points.
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Standard 3.5% Forex Fee: International transactions attract the standard 3.5% + GST markup fee.
Who Benefits Most
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Modern Women Executives & Entrepreneurs: Women seeking a curated lifestyle card that rewards routine household, grocery, and apparel spending.
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Apparel & Department Store Shoppers: Cardholders who shop regularly at Shoppers Stop and can utilize the ₹2,000 annual milestone vouchers.
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Everyday Family Budget Managers: Spenders allocating ₹10,000 to ₹15,000 monthly to groceries and dining to easily hit the ₹1 Lakh fee waiver.
- HDFC Bank — Solitaire Credit Card schedule of charges
- HDFC Solitaire women cardholder rewards & milestone vouchers guidelines
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).