Indus Solitaire Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Indus Solitaire Credit Card Review:
₹30,000 Joining Fee, Taj Epicure
+ EazyDiner Memberships
& Mastercard Golf Excellence
introduction
The Indus Solitaire Credit Card is a premium card for luxury seekers with zero foreign currency markup, 16 annual lounge visits, 12 free golf rounds, and exclusive memberships like Taj Epicure and EazyDiner Prime. It offers ₹25 lakh air accident cover and personalized concierge services, making it ideal for frequent travelers, golf lovers, and high-net-worth individuals seeking seamless luxury and privileges. The card has a high joining fee but waives the annual fee with sufficient spend. This card perfectly blends lifestyle, travel, and dining benefits into one elegant offering.
key features and benefits
Indus Solitaire Credit Card Benefits
Complimentary Taj Epicure Preferred Membership for one year:
1 complimentary night stay with breakfast for 2 persons at Taj Hotels.
2 Vouchers for one-level room upgrade for one night reserved directly at Best Available Rate.
2 set meal vouchers at All Day Dining restaurants.
1 complimentary 60-minute spa treatment.
Year-round 25% discount on stays, dining, takeaway, spa treatments at all Taj properties.
EazyDiner Prime Membership for one year (₹3,550 value):
25% to 50% guaranteed discount at 2,000+ premium restaurants.
Exclusive 1+1 deals on buffets at hotels.
2,000 bonus EazyPoints.
2X EazyPoints multiplier on eat out; redeemable for free meals, free 5-star hotel stays & exclusive foodie events.
Moneycontrol pro membership
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- Newsletters - Stay ahead with daily and weekly insights.
Reward Structure
- Spend INR 1 lakh in first 30 days from card issuance date and earn 5000 Bonus Reward Points.
- Earn 1 Reward Point on every INR 100 spent.
Airport Lounge Access
4 complimentary international lounge visits per quarter (16 annually) via Lounge Key membership.
4 complimentary domestic lounge visits per quarter (16 annually at participating Indian airport lounges).
Total annual lounge visits: 32 complimentary (16 international + 16 domestic).
24x7 Concierge Services
Elderly Care Assist (healthcare coordination for aging parents).
Meet & Greet airport services (2 annual complimentary).
Airport Cab Transfer (advance booking at select locations).
Pre-trip vaccination guidance/visa guidance.
Overseas language/translation support.
Golf event assistance globally.
Insurance Coverage
International Travel Health Insurance: Up to USD 25,000 hospitalization coverage for accidental injury/illness abroad.
Travel Insurance Package (The Oriental Insurance):
Lost baggage: ₹1,00,000.
Delayed baggage: ₹25,000.
Loss of passport: ₹50,000.
Lost ticket: ₹25,000.
Missed flight connection: ₹25,000.
Personal Air Accident Insurance: ₹25,00,000 coverage—exceptional protection.
Total Protect: Insurance equal to full credit limit for unauthorized/counterfeit transactions (48-hour reporting window).
Counterfeit fraud: insurance to protect you against, a possibility of your card or card details to be stolen and misused to produce counterfeit cards.
Foreign Currency Markup
ZERO foreign currency mark-up on all international transactions—exceptional advantage.
Golf Benefits
- Mastercard variant only:
- 12 rounds of complimentary green fees for a year, not exceeding 3 rounds of complimentary green fees in a calendar quarter.
- 4 complimentary green fee access for guests, not exceeding 1 complimentary guest green fee in a calendar quarter.
- 12 complimentary golf lessons every year, not exceeding 3 lessons in a calendar quarter.
premium airport services
FOR DEPARTURES, INDUSIND BANK INDUS SOLITAIRE CREDIT CARDHOLDERS CAN ENJOY
- Private departure lounge with refreshments and wait staff; a personal shopper can be arranged.
- Airline check-in and all security procedures carried out in the privacy of your own lounge.
- Luggage checked-in and taken from the lounge.
- Private, chauffeured car to take you from the VIP suite to the aircraft.
- Option to board the flight last or first.
ON ARRIVAL, INDUSIND BANK INDUS SOLITAIRE CREDIT CARDHOLDERS CAN ENJOY
- Private, chauffeured car waiting on the tarmac to take you from the aircraft to the VIP suite.
- Private arrival lounge with refreshments.
- Customs and Immigration clearance carried out in the privacy of your own lounge.
- Luggage delivered directly to you in your private lounge.
OTHER SERVICES
- Luggage Assistance/Baggage Porters.
- Lounge Bookings.
- Executive Car Transfers/Limousine.
- Personal Shopper.
- Gift Services on Arrival.
- Meeting and Conference Room Bookings.
- Tarmac Transfers.
- Electric Buggy.
- Premium Baggage Collection/Delivery (wherever available and applicable).
- Assistance to unaccompanied minors.
- Train Bookings (major U.K. rail stations including Eurostar in St. Pancras and Gare Du Nord only).
- VIP Wheelchairs/PRM Service.
- Airport Courier.
- Seating Assistance.
- Valet Car Parking Service.
- Car Park Jockey.
- Cloak Room Service.
Global Connectivity Benefits with Flexiroam
- Option to choose between a Flexiroam Sim Card, Microchip or eSIM (for new Flexiroam users only).
- Complimentary Global Data Plan of 3 GB for 10 days every year (for new and existing Flexiroam users).
- 15% discount on all subsequent Flexiroam data plans purchased with your IndusInd Bank Indus Solitaire Credit Card.
Card Essential
Rewards and Benefits Analysis
Best for: Affluent professionals, luxury hotel guests, fine dining enthusiasts, international travelers, golf devotees, and those maximizing Taj/EazyDiner ecosystems.
Real Value Example (Premium User - ₹20,00,000 annual spend):
Taj Epicure membership: ₹1,00,000+ value.
EazyDiner Prime membership: ₹3,550 value.
Lounge access (32 visits × ₹1,200 avg): ₹38,400 value.
International forex savings (₹5,00,000 spends × 3.5%): ₹17,500 saved.
Golf privileges (12 rounds × ₹3,000 + 12 lessons × ₹2,500): ₹66,000 value (Mastercard variant).
Fuel surcharge waiver (₹20,000 fuel): ₹200 saved.
Air accident insurance: ₹5,000+ value.
Meet & Greet services (2 annual): ₹4,000+ value.
Total annual tangible value: ₹2,35,650+ (before annual fee).
- Extra Perks: Zero forex, 24x7 concierge, Advance Medical access, Flexiroam data, elderly care assistance, airport VIP services.
Practical Considerations
Fees & Charges (Summary):
₹30,000 joining fee.
₹10,000 annual fee waived on ₹10,00,000+ annual spend.
Fuel surcharge waiver (1%) provides consistent savings.
Eligibility:
Ultra-premium income profile required.
Strong credit score essential for ultra-premium tier approval.
Potential Limitations:
High entry cost: ₹30,000 joining fee limits accessibility; break-even requires ₹10L+ annual spend commitment..
Visa variant lacks golf privileges.
Concierge services charged separately for event bookings, ticketing, not complimentary arrangements.
Taj/EazyDiner memberships limited to one year, renewal not automatic post-anniversary.
Redemption Options
- Multi-Ecosystem Redemption:
- Rewards redeemable across Taj Hotels (Green Points), EazyDiner (EazyPoints for meals/hotel stays), ITC Culinaire (when active), or converted to airline miles/cashback through IndusInd Moments portal.
- Best Value Strategy:
- Prioritize Taj Epicure and EazyDiner dining benefits (combined 50%+ savings on premium restaurants); leverage zero forex extensively on international transactions (₹3.5% savings per ₹100 spend); maximize lounge access (32 annual visits × ₹1,200+ value); utilize golf privileges strategically (Mastercard variant). Concentrate spending deliberately to hit ₹10L+ annual threshold for fee waiver preservation and tier optimization.
Ideal User Profile
Ultra-high-net-worth individuals.
Frequent international business travelers.
Golf enthusiasts with established club memberships (Mastercard variant).
Premium hotel guests.
Fine dining enthusiasts.
Those prioritizing lifestyle curation and experiential benefits over pure rewards.
Final Thoughts
Strengths:
Taj Epicure Preferred Membership offers night stays, room upgrades, dining vouchers, spa access, and 25% discounts all year.
EazyDiner Prime provides 25-50% discounts at over 2,000 premium restaurants plus double EazyPoints.
Zero foreign currency markup saves 3.5% on international transactions.
32 complimentary airport lounge visits annually (16 domestic + 16 international).
Mastercard holders get 12 free golf rounds, 12 lessons, and access to US TPC Network courses.
- Comprehensive insurance covers ₹25 lakh air accident, USD 25,000 international health, and travel protections.
Limitations:
High joining fee of ₹30,000 creates a significant entry barrier, requiring strong commitment.
Mastercard-only golf benefits restrict advantages for Visa users, reducing overall appeal.
Concierge services like event bookings come with additional charges, limiting the “all-inclusive” luxury feel.
Verdict:
The Indus Solitaire Credit Card is an ultra-premium lifestyle card crafted for affluent international travelers, golf enthusiasts, and fine dining lovers. It offers zero foreign currency markup, exclusive Taj Epicure and EazyDiner memberships, 32 annual lounge visits, and golf privileges on Mastercard. However, the ₹30,000 joining fee and ₹10,000 annual fee require genuine, high-value usage, making it unsuitable for aspirational users.
prospective applicants should compare benefits carefully before applying.
Additional Tips for Applicants
Build an ultra-premium credit profile with high income proof and flawless credit history.
Ensure ₹10L+ annual spend is achievable to justify the ₹10,000 annual fee waiver.
Prefer Mastercard for golf benefits; Visa variant lacks this advantage.
Maximize zero forex markup by concentrating on international spending.
Use Taj Epicure and EazyDiner memberships strategically for maximum benefit.
CDMS EXPERT ADVICE
The Indus Solitaire Credit Card fits only genuinely high‑spending, affluent users who can comfortably cross ₹10 lakh annual spends and fully use Taj Epicure, EazyDiner, lounge, golf, and zero‑forex benefits to justify the steep ₹30,000 joining and ₹10,000 annual fee. Use this card for focused international, hotel, dining, and travel spends—not impulse luxury—and always clear your total due so high‑ticket lifestyle usage does not turn into rolling, high‑interest debt; if Solitaire or other premium card outstandings are already straining your cash flow, speak with CDMS at Cashon.cards for structured credit card debt, obligation, and outstanding‑bill solutions that protect your long‑term financial stability.
This review offers a clear and balanced overview of The Indus Solitaire Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
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