HDFC BankSolitaire
HDFC Bank ·
Solitaire
Joining ₹500 · Annual ₹500 · Next year's membership fee waived on ₹50,000 of spends in the year
Fee break-even: ≈₹1,66,667/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.2 ₹/point. HDFC prints the cash rate on the card page itself, 100 points redeem as ₹20 against the statement
Verified 16 Aug 2026Forex markupNot stated, assume 3.5%
Fuel surcharge1% waived, capped at ₹250 a statement cycle
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the purchase size, the card page prints no interest rate
Milestones
- ◆ Spend ₹1,50,000 per year → A ₹1,000 gift voucher for every ₹75,000 spent in a half year, at most two vouchers a year Worth ₹2,000
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.3% | Base rate |
| Amazon | 0.3% | Base rate |
| Flipkart | 0.3% | Base rate |
| Subscriptions & OTT | 0.3% | Base rate |
| Offline spend | 0.3% | Base rate |
| UPI spending | 0.3% | Base rate |
| Dining | 0.45% | 50% more points on dining, about 0.45% |
| Swiggy | 0.45% | Uses its dining rate |
| Zomato | 0.45% | Uses its dining rate |
| Groceries | 0.45% | 50% more points on grocery spends, about 0.45% |
| Quick commerce | 0.45% | Uses its groceries rate |
| Swiggy Instamart | 0.3% | Base rate |
| Blinkit | 0.3% | Base rate |
| BigBasket | 0.45% | Uses its groceries rate |
| Movies & shows | 0.3% | Base rate |
| BookMyShow | 0.3% | Base rate |
| PVR INOX | 0.3% | Base rate |
| Fuel | 0.3% | Base rate |
| Travel (general) | 0.3% | Base rate |
| Flights | 0.3% | Base rate |
| Hotels | 0.3% | Base rate |
| MakeMyTrip | 0.3% | Base rate |
| IRCTC rail | 0.3% | Base rate |
| International | −3.2% | 0.3% reward − 3.5% forex markup |
| Utilities & bills | 0.3% | Base rate |
| Rent | 0.3% | Base rate |
| Education fees | 0.3% | Base rate |
| Insurance premiums | 0.3% | Base rate |
| Government & tax | 0.3% | Base rate |
| Wallet loads | 0.3% | Base rate |
| Anything else | 0.3% | Base rate |
| Jewellery | 0.3% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- ₹1,000 cashback on in-app shopping across 200 plus brands through PayZapp
- Points redeem against the statement at 100 points for ₹20
What we liked
- ₹1,000 voucher for each ₹75,000 spent in a half year, which is 1.3% back at that pace
- The point's cash value is printed on the card page, 100 points for ₹20, so nothing is hidden
- ₹500 fee with an easy ₹50,000 waiver
What to mind
- 0.3% base earning sits near the bottom of the market
- The dining and grocery boost only lifts that to about 0.45%
- No lounge access printed anywhere on the page
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 16 Aug 2026.