HDFC Bank H.O.G Diners Club Credit Card

Welcome Bonus

Harley vouchers worth Rs. 2,500, along with complimentary memberships of Amazon Prime, MMT Black, Swiggy One, Club Marriott and Forbes on spending Rs. 1.5 lakh within the first 90 days.

Rewards Benefits

• Base Rate: 5 reward points per Rs. 150 retail spend
• 2X Rewards: 10 reward points per Rs. 150 spent on weekend dining
• 5X Rewards: 25 reward points per Rs. 150 spent on flights or stay bookings across 150+ hotels worldwide via SmartBuy
• 10X Rewards: 50 reward points per Rs. 150 Harley spends
• Exclusions:  Fuel, EMI, rent, government and e-wallet loading transactions
• Capping: Card users can earn up to 5,000 reward points per day on insurance transactions and up to 2,000 reward points per month on grocery spends

Rewards Redemption

Validity: 3 years
The cardholders can redeem their HDFC credit card reward points against several options as listed below:

• Flight or hotel bookings via SmartBuy by redeeming points for up to 70% of the booking value
• Air Miles across Club Vistara, InterMiles, Singapore Airlines (KrisFlyer Miles) by registering for frequent flyer program before redemption, where 1 Reward Point = Up to 1 Air Mile
• HDFC bank credit card rewards catalogue

Milestone Benefits

Renewal Benefit: Renewal fee waived off on spending minimum Rs. 5 lakh in the previous year.
On Rs. 80,000 Monthly Spends: Choice of any 2 benefits amongst 1 month cult.fit Live membership or TataCLiQ or BookMyShow or Ola cabs vouchers worth Rs. 500 per month on reaching monthly spends of Rs. 80,000.

Other Benefits

• Unlimited Lounge Access: Unlimited complimentary access to 1,000+ airport lounges globally for both primary and add-on card members
• Forex Mark-up Fee: 2% foreign currency exchange fee on international transactions
• Good Food Trail Program: Up to 25% off on dining via Swiggy Dineout on payments done on Swiggy app
• 1% Fuel Surcharge Waiver: Up to Rs. 1,000 per month on fuel spends of minimum Rs. 400
• Insurance Coverage: HDFC H.O.G Diners Club credit cardholders are provided with an extensive insurance cover:
  

  Insurance Cover	Amount Insured
  Credit Liability Cover	Rs. 9 lakh
  Accidental Air Death Cover	Rs. 2 crore
  Emergency Overseas Hospitalisation Cover	Up to Rs. 50 lakh
  Travel Insurance Cover on baggage delay	Up to Rs. 55,000 (Max. USD 55 per hour up to 8 hours)

Opt for this card if:

• If you are a Harley Davidson enthusiast or a member of the Harley Owners Group
• If you are a high spender and can avail the renewal fee waiver or other milestone benefits
• If you do not mind paying a high annual fee
• If you prefer earning reward points on your spends over cashback
• If you travel by air frequently and can make optimally utilise the complimentary lounge access card feature
• If you regularly spend on Harley products and dining and hence can maximise on rewards

Look for other card options if:

• If you prefer cashback over reward points
• If you are looking for a card with lower annual fee
• If you are an average or low spender
• If you don’t usually travel by air
• If you want a card with considerable entertainment or online shopping-related benefits