HDFC Bank has launched two credit cards by tying up with Harley Group, the first of which is HDFC Harley Davidson Credit Card and the second is HDFC H.O.G Diners Club Credit Card. HDFC Bank has launched many co-branded credit cards in the recent past and perhaps that is why HDFC Bank is the king of the banking world. In this article we will know in detail all the features and benefits of this HDFC H.O.G Diners Club Credit Card and see whether you should apply for this credit card or not?
However, before ending this article, you will yourself analyze whether you should apply for this credit card or not? Because we will know all its charges and features completely. Although Harley Davidson was removed from India in 2020, now they have entered in a new style and with the launch of their X 440 bike and their co-branded credit cards by HDFC, they will capture more market.
Key Features Of HDFC H.O.G Diners Club Credit Card:
HDFC H.O.G Credit Card  | |
Joining Fee | ₹ 10000 + Taxes |
Annual Fee | ₹ 10000 + Taxes |
Annual Fee Waived Off | Spend ₹5 Lakh / Annum |
Card Type | Reward Points |
Welcome Benefits | Annual Memberships of
And a Harley Vouchers worth Rs 2500 |
Harley Benefit | 10X Rewards on Harley Spends |
Dining Benefit | 2X on weekend Dining |
Monthly Milestone Benefit |
Select any 2 benefits |
Lounge Facility | Unlimited Airport lounge access worldwide |
Reward Points Accrual | 5 Reward Points on every ₹ 150 retail* spends |
HDFC H.O.G Diners Club Credit Card: Features & Benefits
Welcome Benefits:
When you spend ₹ 1.5 lakh within 90 days after the issue of HDFC Harley Davidson Diners Club Credit Card, you get annual membership of Club Marriott, MMT Black, Amazon Prime, Swiggy One and Forbes. Apart from this, you will also get a Harley Voucher worth ₹ 2500. But you will get these benefits only if you spend ₹ 1.5 lakh within 90 days of your card issue.
Milestone Benefit:
With the HDFC Bank H.O.G Diners Club Credit Card, you can choose 2 free rewards every month when you spend Rs. 80,000 or more. The rewards to choose from are:
- 1 month free cult.fit membership
- Rs. 500 BookMyShow voucher
- Rs. 500 TataCLiQ voucher
- Rs. 500 Ola cabs voucher
So if you spend over Rs. 80,000 in a month with this credit card, you get to pick any 2 of those rewards!
Dining Benefit:
With the Good Food Trail program, you can save up to 25% on restaurant bills when you pay through Swiggy Dine Out. This applies to over 20,000 participating restaurants.
The discount includes savings from both the restaurant and Swiggy. To get the discount, you must pay for your meal through the Swiggy app.
That means, You can get up to 25% off your restaurant bill when you use Swiggy to pay. This makes dining out more affordable at thousands of restaurants
Apart from this, Earn 2X (Double) points on weekend restaurant meals. When you use your card to pay for meals at restaurants on Saturdays and Sundays, you’ll earn 2x the regular amount of rewards points.
Davidson Attend:
Get invited to special Harley Davidson events and get unique offers. As a cardholder, you may get exclusive access to cool Harley Davidson events, plus special deals.
Airport Lounge Access:
You and any additional cardholders get unlimited access to over 1000 airport lounges in India and worldwide. Just show your card to relax in comfort before your flight. Click here for the Domestic Airport Lounge List eligible for this HDFC H.O.G Diners Club Credit Card and click here for the International Lounge List.
The key points I tried to convey are:
- Both primary and additional cardholders get the benefit
- There are over 1000 participating airport lounges globally that you can access
- You simply have to show your card to access the lounges
- Lounges provide a comfortable place to relax before flights
Experience the benefits of HDFC Bank’s premier credit card
Reward Benefits:
The base reward structure of this HDFC H.O.G Diners Club Credit Card is 5 reward points every Rs 150. Along with this, when you book hotels or flight tickets on HDFC Smartbuy with this credit card, you get 10X i.e. 50 reward points for every Rs 150. Apart from this, if you do any Harley Spending through this credit card, you also get 10X reward points.
You will not get these reward points on spending on categories like Fuel Spends, Cash Advances, Payment of Outstanding Balances, Payment of card fees and other charges, Smart EMI / Dial an EMI transaction, government transactions, rent.
Reward Points Capping:
you also get to see some daily and monthly capping on these reward points, which are as follows –
- Your reward points are valid for 3 years with the H.O.G Diners Club Credit Card.
- You can earn up to 75,000 reward points per billing cycle with this card.
- You can earn up to 5,000 reward points per day on insurance transactions.
- You can redeem up to 75,000 reward points per calendar month for flights and hotel bookings.
- You can redeem up to 50,000 reward points per calendar month for cash back.
- You can earn up to 2,000 reward points per month on grocery transactions.
For specific products and vouchers, the redemption of Reward Points is limited to 70% of the total value. The remaining balance must be settled using the same Credit Card.
Fee And Charges Of This Card:
Fees Type | Charge |
Railway Ticket Purchase Fee | 1% of the transaction amount + GST |
Cash Advance Fee | 2.5% of the transaction amount or ₹500 (whichever is higher) |
Charges on Overlimit | 2.5% of overlimit amount (subject to a minimum of ₹550) |
Payment Return Charges | 2% of payment amount (subject to a minimum of ₹450) |
Cash Processing Fee | ₹100 |
Rewards Redemption Fee | ₹99 per redemption request |
Balance Transfer Processing Charges | 1% of balance transfer amount or ₹250 (whichever is higher) |
Duplicate Physical Statement Charges | ₹10 |
Reissue of Lost, Stolen, or Damaged Card | ₹100 |
Add-on Card Fee | Lifetime Free |
Insurances And Other Benefits:
- Get Rs. 2 crore of accidental air death coverage. Your family will receive ₹2 crore if you pass away in an airplane crash.
- Emergency overseas hospitalization covered up to Rs. 50 lakhs. If you need emergency hospital care while traveling overseas, you’re covered for up to ₹50 lakhs.
- Baggage delay insurance up to Rs. 55,000. If your checked bags are delayed, you can be reimbursed for necessities up to ₹55,000.
- Only 2% foreign currency markup on international purchases. You’ll get a low 2% mark up when making purchases in foreign currencies.
- ₹9 lakh credit liability cover. Your family will get ₹9 lakh to pay off your credit card balance if you pass away.
- 1% fuel surcharge waiver at fuel stations across India. Get 1% of your fuel purchase back as cashback up to Rs. 1,000 per billing cycle.
Eligibility Criteria:
HDFC Bank H.O.G Diners Club Credit Card Eligibility:
For Salaried Indian Citizens:
- Age: 21-60 years
- Minimum Monthly Income: ₹1,75,000
For Self-Employed Indian Citizens:
- Age: 21-65 years
- Minimum Annual Income (as per ITR): ₹21 Lakh
Final Words:
Now let us assume that HDFC Bank has launched both these credit cards by tying them up with Harley Davidson. But if we compare the features of these two cards with their brand names, then perhaps their features and benefits are zero. Because in these cards you are not given any benefit as per their fee which can recover your fee. According to the joining and annual fee of this H.O.G card, you get only one premium benefit in this card and that is access to lounges of unlimited airports. Apart from this, only fees are being charged from you in this credit card.
Therefore, if you want to take a co-branded credit card of Harley brand, then you can consider HDFC Harley Davidson Credit Card because your joining and annual fee is less than this card. Apart from these, many other good credit cards of HDFC Bank are available which you can apply for.
Experience the benefits of HDFC Bank’s premier credit card
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