Indus Solitaire Credit Card

Welcome Bonus

Avail 5,000 bonus reward points on spending Rs. 1 lakh within the first 30 days of card issuance.

Complimentary Memberships

1 Year EazyDiner Prime Membership: Get EazyDiner Prime membership for 1 year with the following benefits –

• 2,000 EazyPoints as joining bonus
• 2X EazyPoints on dining
• Redeem EazyPoints for free 5-star hotel stays, free meals & exclusive foodie events
• 1+1 deals on hotel buffets where the 2nd person gets free meal
• Up to 50% off, with confirmed minimum 25% off, at partner restaurants in India and Dubai

Moneycontrol Pro Membership: Get access to ad-free navigation, 230+ exclusive editorials per month, Moneycontrol Pro + FT Financial Times, 40+ investment ideas per week , 3 to 4 technical calls per day, newsletters and live webinars.

With a joining fee of as high as Rs. 30,000, Indus Solitaire falls short on the joining benefits it offers to the cardholders. The bonus reward points which would be worth Rs. 2,500 on cash credit redemption can only be availed on spending Rs. 1 lakh within the first month, which may not always be possible. Both the complimentary memberships give combined benefit worth Rs. 5,549 (Rs. 3,550 + Rs. 1,999) which when added to the bonus rewards benefit gives a welcome bonus of Rs. 8,049 which is far less than the joining fee charged. While several other credit cards come with joining benefits which generally match the card fee charged in terms of monetary value. You can make the most of this feature if you are a high spender and dine-out regularly.

Reward Points

• 1 Reward Point: For every Rs. 100 spent
• 0.70 Reward Point: For every Rs. 100 spent on utility bills, rent payment, insurance premium, educational institute, government spends and real estate
• Excluded Category: No reward points accrual on fuel spends

Rewards Redemption

You can utilise the accrued reward points as follows:

• Redeem as cash credit, where 1 Reward Point = Rs. 0.50
• Convert to airmiles with partner airlines, where 200 Reward Points = 100 Krisflyer Miles
• Redeem for offers on IndusMoments

Here, the maximum number of rewards that this card offers is just 1 for every spend of Rs. 100, which is quite low when compared to other credit cards belonging to the similar premium segment. Though the redemption value of the reward points is Rs. 0.50 which is higher than Rs. 0.25 which many rewards credit cards offer, it still doesn’t make up for the low reward points earning rate as you are left with a value-back of just 0.5%. Even some entry-level credit cards like HDFC MoneyBack+ give a rewards value-back as high as 3.3% which highlights the lack in the rewards program offered via Indus Solitaire credit card.

Complimentary Airport Lounge Access

• Complimentary Lounge Key membership and access to participating lounges
• Up to 16 complimentary international lounge visits per year, maximum 4 visits per quarter
• Up to 16 complimentary domestic lounge visits in a year, maximum 4 visits per quarter

Mastercard Offers

This card is offered on World Elite™ Mastercard® network which comes with a wide range of exclusive features and benefits for the cardholders discussed as follows:

• Complimentary Stay: 1 free night stay at participating hotels and resorts
• Global Data Roaming Offers: Choose between Flexiroam Sim Card, eSIM or Microchip (if you are a new user), get 3 GB global data plan for 10 days per year and 15% off on subsequent Flexiroam data plans.
• Advance Medical Facility: Avail quality medical coverage for self, spouse, parents and children with access to personal health advisor and doctor, world’s leading medical experts, on-going medical support before, during and after the treatment, and support in organising appointments, translation services and other related services.
• Airport Services: Get access to VIP airport services on departure as well as arrival, including private departure/arrival lounge services, chauffeured car between VIP suite and aircraft, luggage and seating assistance, etc.
• Mastercard® Golf program: Avail golf benefits, including 12 complimentary golf lessons per year (3 per quarter), 12 rounds of complimentary green fees per year (3 per quarter) and 4 complimentary green fee access for guests (1 per quarter).
• Club ITC Culinaire Membership: Cardholders get enrolled for Club ITC Culinaire membership on card set-up. This membership comes with exclusive offers, like buy 1 get 1 free drink offer on Wednesdays at select bars, 50% extra Green Points on dining at select restaurants at ITC Hotels on Fridays and 50% bonus Green Points on dining or stay during your and your Spouse’s birthday week at participating ITC Hotels and Sheraton, New Delhi. Apart from these you can also avail the following benefits:
  

  Benefits	Details*
  25% off	On F&B bill at partner ITC hotels under Culinary Delights
  50% off	On buffet lunch/dinner for 2 at partner ITC hotel under Culinary Extravagance
  30% off	On gourmet shop spends at partner  ITC hotel via Sweet Indulgence program
  20% off	On Welcombreak packages under Luxury Sojourns
  25% Green Points	On eligible F&B spends at ITC Hotels & WelcomHotels
  20% savings	On dining at Fortune & WelcomHeritage Hotels
  1,000 bonus Green Points	On every accumulated F&B spend of Rs. 25,000
  5% Green Points	On eligible non-F&B spends at partner ITC Hotels, WelcomHotels & Fortune Hotels

  *Terms and conditions apply.

Other Benefits

• Forex Mark-up: Zero foreign currency exchange mark-up fee on your international spends
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel spends of Rs. 400 to Rs. 4,000 made across all petrol pumps in India
• Concierge Services: This includes elderly care assist to arrange homecare personnel, appointments to OPD, with GPs and specialists, physiotherapy assistance at home and others, meet & greet and airport cab transfer, overseas language & translation support, golf events assistance, and guidance regarding pre-trip vaccination and visa requirements.
• Total Protect: This program covers for an amount equal to your credit limit against unauthorised transactions in case of card loss or theft up to 48 hours prior to your reporting the card loss.
• Travel Insurance:

Insurance Cover for	Insured Amount
Health (for hospitalisation due to accidental injury/illness on an international trip)	USD 25,000
Air accident	Up to Rs. 25 lakh
Lost baggage	Rs. 1 lakh
Delayed baggage	Rs. 25,000
Loss of passport	Rs. 50,000
Lost ticket	Rs. 25,000
Missed flight connection	Rs. 25,000

Given below is a comparison of the features and benefits offered by Indus Solitaire Credit Card with those offered by other super premium credit cards like IDFC FIRST Private and HDFC Infinia Metal Edition Credit Cards:

Features	Indus Solitaire	IDFC FIRST Private	HDFC Infinia Metal
Joining Fee	Rs. 30,000	Rs. 50,000	Rs. 12,500
Annual Fee	Rs. 10,000	Rs. 50,000	Rs. 12,500
Fee Waiver Condition	On Rs. 10 lakh annual spends	NA	On Rs. 10 lakh annual spends
Joining Bonus	– 5,000 bonus reward points on spending Rs. 1 lakh within the 1st 30 days – 1 year EazyDiner Prime & Moneycontrol Pro memberships	– Taj Epicure membership – 2 lakh bonus reward points worth Rs. 50,000 on joining fee payment – 1 lakh bonus reward points worth Rs. 2,5000 on renewal fee payment	– Club Marriott membership with up to 20% off for dining & stay across Asia-Pacific region – 12,500 reward points on fee payment
Rewards Program	– 1 reward point per Rs. 100 spent – 0.70 reward points on utility, rent, insurance, education, govt. & real estate spends	– 1 reward point per Rs. 100 spent on insurance premium – 6 & 3 points on online & in-store spends respectively on monthly spends up to Rs. 30,000 – 10 points on spends made after Rs. 30,000 monthly spends & on birthday	– 5 reward points per Rs. 150 spent on retail including insurance, utilities & education​ – Up to 10x reward points on Smartbuy travel & shopping spends
Rewards Redemption Value	1 RP = Rs. 0.50 200 RPs = 100 Krisflyer Miles	1 RP = Rs. 0.25	1 RP = Rs 0.30 1RP = 1 Air Mile 1 RP = Rs. 1 for SmartBuy travel bookings, Apple products & Tanishq vouchers 1 RP = Up to Rs. 0.50 for products/ vouchers via Netbanking or SmartBuy
Lounge Access	Lounge Key membership with up to 16 visits to domestic & international lounges each per year	– Unlimited access to domestic & international premium lounges, along with airport spas in India – Up to 16 railway lounge visits per year	– Unlimited complimentary airport lounge access within & outside India via Priority Pass
Forex Mark-up Fee	Nil	Nil	2%
Golf Benefits	12 golf lessons with 12 rounds of complimentary green fees for self & 4 for guests per year	Up to 24 complimentary golf rounds/ lessons per year (2 per month)	– Unlimited golf games at leading courses across the world – Unlimited complimentary golf coaching at select Indian golf courses
Dining Benefits	EazyDiner Prime & Club ITC Culinaire memberships	Access to dining program via Visa Infinite platform	– Additional 15% off on dining via Swiggy Dineout – Get 1+1 complimentary buffet at partner ITC hotels
Other Benefits	1 free night stay at participating hotels & resorts	Rs. 750 off on movies, non-movies & food combos, twice in a month	Book stay for 3-nights and pay for 2 at partner ITC hotels

Indus Solitaire Credit Card offers several features and benefits that stand out, including zero forex mark-up fee, up to 32 complimentary visits to airport lounges, golf program and Club ITC Culinaire membership. However, for a card boasting of belonging to a super premium category, it fails to live up to the mark. Other benefits like accelerated rewards rate, milestone benefits, welcome bonus meeting the card fee amount, and other lifestyle-related deals and offers on movies, shopping, etc. leave much to be desired when compared to those offered by other credit cards in this segment. With a low rewards rate of just 0.5%, this credit card comes with a below average rewards program.

To help you decide whether this card is the right choice for you, consider the following:

Opt for this card if:

• You have a high annual income
• You are a high spender and can satisfy the annual fee waiver condition
• You frequently travel internationally and are looking for a card without any forex charges
• You play or wish to learn how to play golf
• You prefer staying and dining at ITC hotels and its partner hotels and restaurants