Key Benefits
3 RP/Rs. 150, 50% extra on grocery & dining, Shoppers Stop vouchers
Lounge Access
No lounge access available
Eligibility
Women only, age 21-60 (salaried) or 21-65 (self-employed)
The HDFC Solitaire Credit Card is a solid entry-level card designed exclusively for women who want to earn extra rewards on everyday grocery and dining expenses. With its low annual fee, spend-based waiver, and Shoppers Stop milestone vouchers, it offers decent value for routine household spending. However, the lack of travel benefits and low reward redemption rate make it unsuitable for frequent travellers or those seeking premium perks.
Best For
Women looking for an affordable credit card with accelerated rewards on grocery and dining spends
Not Ideal For
Frequent travellers or those seeking lounge access, premium travel benefits, or high reward redemption value
All Spends
Grocery
Dining
Redeem your points for cashback, travel, and more
Statement Credit
Domestic Airlines
HDFC Rewards Catalogue
HDFC Rewards Catalogue
Complimentary wellness package from Thyrocare on paying joining fee
value
1,000 bonus Reward Points every year on paying renewal fee (worth Rs. 200)
value
Shoppers Stop voucher worth Rs. 1,000 on spending Rs. 75,000 in 6 months
Spend ₹75,000 within 180 days
value
Second Shoppers Stop voucher worth Rs. 1,000 on spending another Rs. 75,000 in the next 6 months (max 2 per year)
Spend ₹1,50,000 within 365 days
value
Annual fee waiver on spending Rs. 50,000 or more in the previous anniversary year
Spend ₹50,000 within 365 days
value
See how this card performs in different spending categories compared to other cards.
The HDFC Solitaire Credit Card is an entry-level credit card designed exclusively for women by HDFC Bank. It offers accelerated reward points on grocery and dining spends, along with milestone shopping vouchers from Shoppers Stop. With an annual fee of just Rs. 500 (waivable on Rs. 50,000 annual spend), it is an affordable option for women looking to earn rewards on everyday purchases.
Key highlights include 3 reward points per Rs. 150 spent, 50% extra reward points on grocery and dining categories, a complimentary Thyrocare wellness package as a welcome benefit, and up to Rs. 2,000 worth of Shoppers Stop vouchers per year through milestone spends.
The HDFC Solitaire Credit Card is one of two HDFC credit cards specifically targeted at women professionals (the other being the HDFC Bank Premium Credit Card). It is a basic rewards-based credit card that focuses on delivering value through everyday spending categories like groceries and dining.
Earn 3 reward points for every Rs. 150 spent on the card. On grocery and dining spends, you earn 50% extra reward points, making it particularly rewarding for everyday household expenses.
Get a complimentary wellness package from Thyrocare upon paying the joining fee. This includes health check-up services designed for women.
Receive 1,000 bonus reward points every year on paying the renewal fee, worth Rs. 200 in cashback value.
Earn a Shoppers Stop gift voucher worth Rs. 1,000 on achieving Rs. 75,000 spend in 6 months. You can earn a maximum of 2 vouchers (Rs. 2,000) per anniversary year.
Get a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per billing cycle.
If your card is lost or stolen, you carry zero liability on fraudulent transactions when reported to the bank immediately.
The HDFC Solitaire Credit Card does not offer any domestic or international airport lounge access. This card is focused on everyday shopping and dining rewards rather than travel benefits.
The HDFC Solitaire Credit Card uses a points-based reward system. You earn 3 reward points for every Rs. 150 spent on all retail purchases. On grocery and dining spends, you receive 50% additional reward points.
Note: A redemption fee of Rs. 99 applies per request, except for cashback redemptions.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 500 + GST |
| Annual Fee | Rs. 500 + GST (waived on Rs. 50,000 annual spend) |
| Interest Rate | 3.6% per month (43.2% per annum) |
| Cash Advance Fee | 2.5% of withdrawal (min Rs. 500) |
| Late Payment Fee | Rs. 100 to Rs. 1,300 (based on outstanding) |
| Over Limit Fee | 2.5% of over-limit amount (min Rs. 500) |
| Foreign Currency Markup | 3.5% on all forex transactions |
| Reward Redemption Fee | Rs. 99 per request (free for cashback) |
| Railway Booking Surcharge | 1.8% of transaction value |
| Card Replacement Fee | Rs. 100 |
| Cash Payment Fee | Rs. 100 per deposit |
The HDFC Solitaire Credit Card is exclusively designed for women. Only women applicants are eligible.
The HDFC Solitaire Credit Card is a well-designed entry-level credit card for women who want to earn rewards on their everyday spending, particularly on groceries and dining. The 50% accelerated reward points on these categories, combined with Shoppers Stop milestone vouchers, make it a good choice for women with regular household expenses.
However, with a reward redemption value of only Re. 0.20 per point and no travel or lounge benefits, this card is best suited for budget-conscious women who primarily spend on groceries, dining, and shopping. If you are looking for travel benefits or higher reward value, consider cards like the HDFC Regalia or HDFC Millennia instead.
Last updated: 1 February 2026
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