Push dining and shopping into weekends
Base spend earns 4 RP/₹100 (3% at ₹0.75/point). Shifting retail to weekends or your birthday window lifts the rate to 6 RP/₹100 — a 4.5% effective return, 50% richer than weekday earn on identical spend.
Premium
INDUSIND BANK · INDUSIND BANK SOLITAIRE CREDIT CARD
IndusInd Bank Solitaire Credit Card
ANNUAL FEE
₹10,000 waived at ₹10L spend
FIRST-YEAR NET VALUE
₹69,000 for a mid spender · travel
INDUSIND BANK Solitaire
VISA
Updated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IndusInd Bank's.
MONTHLY INCOME ₹2.0L+ Salaried or self-employed
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹69,000 first-year net value · mid spender · travel
Category rewards ₹54,000
Welcome benefit· Welcome reward points ₹15,000
Annual fee − ₹10,000
Fee waiver (met)· Annual fee waived on annual spends of ₹10 lakh and above ₹10,000
Net first-year value ₹69,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 3.00% back on eligible spends 4 pts 4 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 4.5% back
6 Reward Points per ₹100 on weekends and on birthday period (as per Solitaire product/T&C pages) · 4.5%
Everything else (base) · 3.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IndusInd Bank tweaks the program.
Clear ₹10 lakh to waive the ₹11,800 fee
Annual retail spend of ₹10 lakh erases the ₹10,000 (₹11,800 with GST) renewal fee and, at the 3% base, also banks ₹30,000 in reward value — so the card self-funds once you cross the waiver line.
Stack the 30-day welcome with weekend timing
Hit ₹1 lakh inside 30 days of issuance for 5,000 bonus RP (₹3,750 at ₹0.75/point). Run that ₹1 lakh across two weekends and you also bank 6,000 base RP at the 6x rate — ₹4,500 on top of the bonus.
Redeem only at ₹0.75 per point
Both statement credit and the IndusInd Rewards Portal clear at 1 RP = ₹0.75 with a ₹1,000 minimum (≈1,334 points). Skip any lower-value redemption path — the headline 3% and weekend 4.5% rates only hold when you cash out at ₹0.75.
Route utilities and fuel to another card
Utilities, insurance, government and rent drop to 0.7 RP/₹100 (0.525%), and fuel is excluded entirely — only a 1% surcharge waiver up to ₹1,000/month applies. Park those on a flat-cashback card so Solitaire stays on the 3%/4.5% tracks.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹30,000 · + 18% GST · one-time
Annual fee (year 2+) ₹10,000 · waived at ₹10L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic + 4 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹15,000 Welcome reward points.
Dining + partner memberships
Taj Epicure Preferred Membership, Club ITC Culinaire Membership.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
The Solitaire carries a ₹30,000 joining fee (₹35,400 with GST) and a ₹10,000 annual fee from year 2 (₹11,800 with GST). The annual fee is waived if you spend ₹10 lakh on retail in the prior year. Below that threshold, plan to pay ₹11,800 every renewal.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.