HDFC Bank Solitaire Credit Card

Card Details

Get Rs. 1,000 Shoppers Stop vouchers on Rs. 75,000 spends every 6 months, limited to 2 per annum
Redeem Reward Points as CashBack against the outstanding amount on your Credit Card. 100 Reward Points = Rs. 20
3 Reward Points on Rs. 150 spent.
50% more Reward Points on dining and grocery spends and earn 2,880 Reward Points or more in a year on dining and grocery shopping itself.
Get fuel Surcharge Waiver of maximum Rs. 250 per statement cycle and save Rs. 1,500 in a year on your fuel transactions.
Zero Lost Card liability post reporting of the loss of card
Earn a CashBack of more than Rs. 4,000 on reward points accumulated by spending Rs. 5 lakh on your card.
Spend Rs. 10,000 within first 90 days and get the 1st year fee reversed.
Spend Rs. 50,000 within a year and get next year’s annual fee reversed.
Enjoy redemption of Reward Points against air miles when you travel with Jet Airways, Kingfisher Airlines and Air India. Also, redeem your Reward Points against Air Vouchers of other leading domestic airlines at the applicable redemption rate.

Pros	Cons
Zero liability on lost card Reward points are valid for 2 years Annual fee waiver Get loan against your card	No reward point for transactions less than Rs. 150 No reward points on fuel transactions Charge of Rs. 75 per reward redemption request No less than 500 points can be redeemed

Annual Fee: Rs. 500
First Year Fee: Rs. 500
Add-on Card Fee: Upto 3 Cards lifetime fee
Grace Period: 20-50 days
Charges of Revolving Credit: 3.49% (41.88% p.a.). Maximum interest rate, in the event of default, is 3.5% per month i.e. 42% annually.
Cash Advance Fee: 2.5% or minimum Rs. 300 on each transactions
Late Payment Charges: Nil for less than Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs. 400 for Rs. 501 to Rs. 5000; Rs. 500 for Rs. 5001 to Rs. 10,000; Rs. 700 for Rs. 1,001 and above
Overlimit Charges: 2.5% of the overlimit amount, subject to min of Rs. 500
Min Repayment Amount: 5% of Total Outstanding, subject to min Rs. 200
Cash Advance Limit: 4% of the credit limit
Cash Processing Fee: Rs. 100
Reward Redemption Fee: Rs. 75 per redemption request
Balance Transfer Processing fee: 2% of transfer amount, subject to minimum of Rs. 250
Convenience fee on fuel purchase: 1%
Card Replacement fee: Rs. 100
Foreign Currency Transactions: 3.5% of conversion mark-up fee

3 Reward Points on every Rs 150 spent. Only retail purchases qualify for Reward Points. Cash advance, fees, and other charges do not accrue any reward points.
50% more rewards points on dining and grocery. (only on those transactions which are classified under the ‘Restaurant’ Merchant Category Code (MCC) as defined by VISA/ MasterCard. Merchant Category Code (MCC) classified under ‘Hotel’ categories will not qualify for 50% more Reward Points.)

Reward Rate: Rs. 0.40 per Rs. 100 spend

Get Rs. 1,000 Shoppers Stop vouchers on Rs. 75,000 spends every 6 months.
Spend Rs. 50,000 within a year and get next year’s annual fee reversed.
Earn a CashBack of more than Rs. 4,000 on reward points accumulated by spending Rs. 5 lakh on your card.

500 Bonus Reward Points of worth Rs. 130 on 1st International transaction. This feature is available once in a year.
1% Cashback on all International transactions (upto Rs. 1,000/- per statement cycle).
Get Rs. 2,000/- with ClearTrip voucher once you accumulate International spends of Rs. 1,50,000/- in a year. This feature is available once in a year.
Annual / Renewal Fee – Rs. 199