HDFC Bank H.O.G Diners Club Credit Card – Benefits, Fees & Eligibility

HDFC Bank H.O.G Diners Club Credit Card

Introduction

The HDFC Bank H.O.G Diners Club Credit Card is a premium offering specifically designed for Harley Owners Group (H.O.G.) members, catering to their lifestyle, travel, and shopping needs. This card, launched in association with HDFC Bank and Harley Davidson, provides exclusive rewards and benefits for a thrilling journey ahead. Cardholders can enjoy accelerated reward points on Harley-Davidson spends and SmartBuy transactions, along with a host of other privileges including unlimited lounge access and golf games.

Welcome Benefits

• Complimentary Swiggy One membership for 3 months.
• Annual memberships for Club Marriott, MMT Black, Amazon Prime, and Forbes.
• A Gift Card by Harley-Davidson worth ₹2,500.
• These welcome benefits can be availed by spending ₹1.5 lakhs within the first 90 days of card issuance.

Fees

• Joining Fee: ₹10,000 + GST.
• Renewal Fee: ₹10,000 + GST.
• Spend-Based Waiver: The renewal fee is waived on spends of ₹5 Lakh in the preceding year.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: A nominal 2% on all foreign currency spends. These charges will be billed on your subsequent statement within 60 days from the date of visit, with the currency conversion rate applicable as on the date of settlement.
• Interest Rates: 1.99% monthly, equating to 23.88% annually.
• Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India.
  • Minimum transaction amount for waiver is ₹400.
  • Maximum waiver is ₹1,000 per statement cycle.
• Cash Advance Charges: 2.5% of the total amount advanced.
• Revolving Credit: Available at a nominal interest rate.

Rewards

• Reward Type: Reward Points.
• General Spends: Earn 5 Reward Points for every ₹150 spent on retail purchases.
• Harley-Davidson Spends: Earn 10X Reward Points on purchases of Harley-Davidson merchandise and services from authorised Harley-Davidson dealers.
• SmartBuy Spends:
  • Earn up to 10X Reward Points via SmartBuy.
  • Specifically, earn 5X Reward Points on flight and hotel bookings made via SmartBuy.
• Dining:
  • Earn 2X Reward Points on weekend dining at standalone restaurants.
  • Maximum Reward Points earning for weekend dining is capped at 1,000 RPs per day.
  • Enjoy discounts of up to ₹200 with the Good Food Dining Program, available twice each month when payment is made through Swiggy Dineout.
  • Additionally, get FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants when paying with your HDFC Bank Credit Card via Swiggy Dineout.
• Milestone Benefits: On minimum spends of ₹80,000 every month, cardholders can select any 2 benefits from:
  • Cult.fit Live 1-month membership.
  • BookMyShow vouchers worth ₹500.
  • TataCLiQ vouchers worth ₹500.
  • Uber vouchers worth ₹500.
• Lounge Access:
  • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.
  • This includes both domestic and international lounges.
• Golf: Enjoy 6 complimentary Golf games per quarter across the finest courses in the world.
• Insurance: Comprehensive insurance coverage includes:
  • Accidental Air Death Cover worth ₹2 Crore.
  • Emergency overseas hospitalization cover up to ₹50 Lakhs.
  • Travel Insurance Cover of up to ₹55,000 on baggage delay (capped at $10 per hour, restricted to 8 hours).
  • Credit Liability Cover of up to ₹9 Lakh.
• Reward Point Validity: Reward Points shall be valid for a period of 3 years.
• Reward Point Caps:
  • There shall be a cap for Reward Points earned for Insurance Transactions at 5,000 RPs per day.
  • A maximum of 75,000 Reward Points can be earned in a statement cycle.
• Exclusions: No Reward Points will be awarded for fuel, rent payments, government transactions, easy EMIs, or wallet reloads.

Rewards Redemption Guide

• Redemption Options:
  • Redeem Reward Points for booking flight tickets and hotels across 150+ airlines and a choice of hotels (Domestic & International) at the SmartBuy portal (https://offers.smartbuy.hdfcbank.com/v1/foryou).
  • Redeem Reward Points for AirMiles across InterMiles, Singapore Airlines (KrisFlyer Miles), and Club Vistara.
  • Redeem Reward Points on an exclusive reward redemption catalogue for HDFC Bank H.O.G Diners Club Credit Card.
• Reward Point Value:
  • For flight and hotel bookings via SmartBuy, 1 Reward Point = 1 Rupee.
  • For AirMiles redemption:
    • 1 Reward Point = 1 KrisFlyer Mile (Singapore Airlines).
    • 2 Reward Points = 1 TurkishMile.
    • 2 Reward Points = 1 Accor Point.
    • 2 Reward Points = 1 Avianca LifeMile.
• Booking Limitations: For flight and hotel bookings, card members can redeem up to a maximum of 70% of the booking value through Reward Points. The remaining amount must be paid via the Credit Card.
• Pre-requisite for Airmiles: Please complete Frequent Flyer registration before attempting Airmiles redemption in NetBanking.

Card Eligibility Criteria

• For Salaried Indian Nationals:
  • Age: Minimum 21 years & Maximum 60 years.
  • Net Monthly Income: Greater than ₹1,75,000.
• For Self-Employed Indian Nationals:
  • Age: Minimum 21 years & Maximum 65 years.
  • Income: Income Tax Return (ITR) greater than ₹21 Lakhs per annum.

Card Review

The HDFC Bank H.O.G Diners Club Credit Card is a premium offering specifically tailored for Harley Owners Group members. It stands out with its exclusive benefits and robust reward structure, making it ideal for individuals who are enthusiastic about Harley-Davidson and frequently travel, shop, and dine.

Who Should Apply: This card is best suited for H.O.G. members who:

• Regularly spend on Harley-Davidson merchandise and services.
• Utilize SmartBuy for flight and hotel bookings.
• Dine out frequently, especially on weekends.
• Value extensive travel benefits, including unlimited domestic and international lounge access for themselves and add-on card members.
• Seek comprehensive insurance coverage and golf privileges.
• Can comfortably meet the high joining and renewal fees, and leverage the spend-based waiver.

Pros:

• Generous welcome benefits including multiple annual memberships and a Harley-Davidson gift card.
• Accelerated 10X Reward Points on Harley-Davidson spends and up to 10X on SmartBuy transactions.
• Unlimited domestic and international airport lounge access for primary and add-on cardholders.
• Complimentary golf games (6 per quarter).
• Comprehensive insurance coverage including accidental air death, emergency overseas hospitalization, and travel insurance.
• Low foreign currency markup of 2%, making it suitable for international transactions.
• Milestone benefits offer valuable monthly vouchers on achieving spending targets.

Cons:

• High joining and renewal fees (₹10,000 + GST).
• Reward point earnings are capped for certain categories and per statement cycle.
• Reward points are not awarded for certain transaction types like fuel, rent, government transactions, easy EMIs, or wallet reloads.
• A maximum of 70% of the booking value can be redeemed via Reward Points for flights and hotels, requiring the remaining 30% to be paid by card.

Value: Despite the high fee, the card offers substantial value through its accelerated reward structure, extensive travel benefits, and premium lifestyle privileges like golf and dining discounts. The renewal fee waiver on spends of ₹5 lakh helps mitigate the annual cost for high spenders. It effectively caters to the affluent lifestyle of Harley Owners Group members who can maximize the exclusive perks.

Important Product Details

• This card is primarily designed for members of the Harley Owners Group.
• The card incurs a joining fee of ₹10,000 plus applicable taxes.
• Cardholders receive complimentary Swiggy One (3 months), Club Marriott, MMT Black, Amazon Prime, and Forbes annual memberships, along with a ₹2,500 Harley-Davidson Gift Card as a welcome benefit, subject to spending ₹1.5 lakh in the first 90 days.
• Enjoy unlimited international and domestic lounge access for both primary and add-on card members.
• Benefit from 6 complimentary golf games per quarter.
• Earn 10X Reward Points on Harley-Davidson merchandise and services and up to 10X Reward Points on SmartBuy spends.
• Earn 5 Reward Points for every ₹150 spent on other retail purchases.
• The renewal fee of ₹10,000 + GST is waived on annual spends of ₹5 lakh.
• Foreign currency markup is a low 2%.
• The card provides comprehensive insurance coverage, including ₹2 Crore Accidental Air Death Cover, up to ₹50 Lakh for Emergency Overseas Hospitalisation, and up to ₹55,000 for Travel Insurance Covers Baggage Delay.

Other Details

• Reward Points Accrual: Reward points are accrued as "Reward Points".
• Interest Free Credit Period: Up to 50 days of interest-free credit period from the date of purchase (subject to the submission of the charge by the Merchant).
• Smart EMI: The card comes with an option to convert large spends into EMIs after purchase.
• Contactless Payment: Enabled for fast, convenient, and secure contactless payments at retail outlets.
  • In India, contactless payments are allowed for a maximum of ₹5,000 for a single transaction without a PIN.
  • For amounts higher than or equal to ₹5,000, the cardholder must enter the Credit Card PIN for security reasons.
• Customer Service / Concierge:
  • Toll Free: 1800 266 3310
  • Landline: 022-6171 7606 (For customers travelling overseas).
  • During system upgrades (e.g., June 10th 7 PM to June 11th 7 PM), alternative overseas support is available at 022 60006262.