HDFC Bank H.O.G Diners Club Credit Card
Joining Fee: ₹10,000 + GST
Renewal Fee: ₹10,000 + GST
Best Suited For: Shopping | Food
Reward Type: Reward Points
Welcome Benefits
Complimentary Memberships: Club Marriott, MMT Black, Amazon Prime, Swiggy One.
Harley Vouchers: Worth Rs. 2,500.
Eligibility: Spend Rs. 1.5 lakh within the first 90 days to avail of these benefits.
Rewards Rate
5 Reward Points/₹150: Earned on all eligible purchases.
10X Reward Points: On spends through Smartbuy and Harley Davidson.
25% Discount: Via Swiggy Dineout on dining spends.
2X Reward Points: On weekend dining.
Reward Points Earning Cap
Maximum Reward Points: 75,000 per statement cycle.
Insurance Transactions Cap: 5,000 Reward Points per day.
Exclusions: No Reward Points for fuel, rent payments, government transactions, EMI, and wallet reloads.
Reward Redemption
Value:
1 Reward Point = ₹1 for flight and hotel bookings via Smartbuy.
1 Reward Point = 1 InterMiles, KrisFlyer Mile, Club Vistara Point.
2 Reward Points = 1 TurkishMiles, Accor Points, Avianca LifeMiles.
Travel Benefits
5X Reward Points: On flight and hotel bookings through Smartbuy.
Lounge Access: Unlimited domestic and international lounge access.
Dining Benefits
25% Discount: At partner restaurants via Swiggy Dineout.
2X Reward Points: On dining transactions during weekends.
Milestone Benefits
Spend ₹80,000 in a Month:
Choose between:
One Month Membership of Cult.fit.
₹500 Vouchers for Ola, BookMyShow, or Tata CLiQ.
Finance & Forex Charges
Foreign Currency Markup: 3.5% of the transaction amount.
Interest Rates: 3.6% per month (43.2% annually).
Cash Advance Charges: 2.5% of the transaction amount or Rs. 500, whichever is higher.
Top Features
Premium Welcome Package: Includes memberships and Harley vouchers.
Reward Structure: High rewards for Harley and Smartbuy transactions.
Travel Perks: Unlimited lounge access, generous reward points on travel bookings.
High Annual Fee: Justified by extensive benefits and rewards.
Summary
The HDFC Bank H.O.G Diners Club Credit Card is a premium offering for Harley Owners Group (H.O.G) members, blending luxury, travel, and high rewards. With a joining and renewal fee of Rs. 10,000 plus GST, it offers 5 Reward Points per ₹150 spent, 10X points on Smartbuy and Harley Davidson purchases, and 25% off dining via Swiggy Dineout. Benefits include complimentary Club Marriott, MMT Black, Amazon Prime, and Swiggy One memberships, along with Harley vouchers worth Rs. 2,500. Spend ₹80,000 in a month to earn additional perks such as a Cult.fit membership or vouchers for Ola, BookMyShow, or Tata CLiQ. The card provides unlimited domestic and international lounge access and generous travel rewards: 1 Reward Point = ₹1 for Smartbuy flight and hotel bookings and various airline miles. It has a foreign currency markup of 3.5%, interest rates of 3.6% per month, and cash advance charges of 2.5% or Rs. 500, whichever is higher. This card is ideal for Harley enthusiasts seeking premium benefits and extensive travel perks.