HDFC Bank Harley Davidson Diners Club Credit Card – Benefits, Fees & Eligibility

HDFC Bank Harley Davidson Diners Club Credit Card

Introduction

The HDFC Bank Harley Davidson Diners Club Credit Card is designed for Harley-Davidson enthusiasts, offering unparalleled rewards and benefits that extend beyond the iconic motorcycle brand. This premium credit card provides a fusion of finance and lifestyle, catering to a wide range of needs. As a welcome gesture, cardholders receive valuable annual memberships to services like Swiggy One and Times Prime, along with a Harley-Davidson Gift Card worth ₹750. Beyond this, the card aims to provide exclusive experiences through its top-spender program, where top quarterly spenders are invited to special Harley Davidson events, and the top two annual spenders can win a fully sponsored trip to the Harley Davidson Museum in Milwaukee. Additionally, it offers benefits like 'Buy 1 Get 1 Free' movie offers, complimentary international and domestic lounge access, and accelerated reward points on popular food delivery apps such as Zomato and Swiggy.

Welcome Benefits

• Annual memberships of Swiggy One & Times Prime.
• A Gift Card by Harley-Davidson worth ₹750.
• These welcome benefits are availed on spending ₹75,000 within the first 90 days of card issuance.

Fees

• Joining Fee: ₹2,500 + Applicable Taxes / GST.
• Renewal Fee: ₹2,500 + Applicable Taxes / GST.
  • Spend-Based Waiver: The renewal fee can be waived off for the next year on spends of ₹3 Lakhs or more during the card anniversary year.
• Rewards Redemption Fee: ₹99 + GST per redemption.
• Foreign Currency Markup: 2% (This is a low forex charge compared to the usual 3.5% charged by many other credit cards).
  • The nominal foreign currency markup is 3.5% on all foreign currency spends. However, this card offers a special rate of 2%.
• Interest Rates:
  • Monthly Interest Rate: 3.60%
  • Yearly Interest Rate: 43.20%
• Fuel Surcharge: Maximum waiver capped at ₹500 per billing cycle.
• Cash Advance Charges: 2.5% of the total cash advance amount.

Rewards

General Reward Points Accrual

• Earn 4 Reward Points on every ₹150 retail spends.
• The maximum Reward Points that can be earned with the card is capped at 50,000 per statement cycle.
• Reward Points earned have a validity of 2 years from the date of accumulation.
• No reward points will be awarded for fuel spends, cash advances, payment of outstanding balances, payment of card fees, and Smart EMI/Dial EMI transactions.

Dining & Entertainment Benefits

• Movies: 'Buy 1 Get 1 Free' offer on BookMyShow weekend show tickets.
  • Get one ticket free (up to ₹250 per booking) on purchase of one ticket.
  • This offer can be used a maximum of twice every month.
  • A minimum purchase of 2 tickets in a single transaction is required.
  • Offer is valid only on Friday, Saturday, and Sunday shows.
• Food Delivery: Earn 5X Reward Points (20 Reward Points) on every ₹150 spent on Swiggy and Zomato.
  • A maximum of 2,500 Reward Points can be earned monthly from Swiggy and Zomato spends. After this cap, regular 4 Reward Points/₹150 apply.
• Dining Discounts (Good Food Trail Program): Enjoy up to 20% off on restaurant bill payments via Swiggy Dineout.
  • Choose from over 20,000 restaurants.
  • Offer includes both restaurant and Swiggy discount.
  • Valid only on payments done via the Swiggy App.

Travel Benefits

• Accelerated Rewards: Earn up to 10X Reward Points on booking flight tickets and stays across 150+ domestic & international hotels at HDFC Bank Smartbuy.
• Complimentary Airport Lounge Access: Get 2 complimentary airport lounge access visits every calendar quarter worldwide for primary and add-on card members.
  • To avail this benefit, a minimum spend of ₹15,000 in the previous calendar quarter is required.
  • Access is available for both domestic and international lounges.

Milestone Benefits

• Quarterly Spend Benefit: Avail ₹1,500 worth of vouchers from Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spends of ₹1.5 Lakhs in a calendar quarter.
• Quarterly Top Spender Program: The top 3 quarterly spenders will be invited for a special Harley-Davidson event.
  • To qualify, a minimum spend of ₹1.5 Lakhs in a calendar quarter is required.
• Annual Top Spender Program: The top two annual spenders will be eligible for a fully sponsored trip to the famous Harley Davidson Museum in Milwaukee.
  • To be eligible, an annual spend of ₹7.5 Lakhs within a year is required.

Insurance Benefits

• Accidental Air Death Cover: Worth ₹1 Crore.
• Emergency Overseas Hospitalization Cover: Up to ₹25 Lakhs.
• Travel Insurance Cover: Up to ₹50,000 on baggage delay (capped at $10 per hour and restricted to 8 hours).
• Credit Liability Cover: Up to ₹9 Lakhs.

Rewards Redemption Guide

• Redemption Platforms: Reward Points can be redeemed on Smartbuy or NetBanking.
• Redemption Values:
  • Flights and Hotel Bookings via Smartbuy: 1 Reward Point = ₹0.50.
  • Exclusive Privilege Dining Catalogue (select restaurants via Smartbuy): 1 Reward Point = ₹0.50.
  • Diners Club Privilege Reward Redemption Catalogue: 1 Reward Point = up to ₹0.35.
  • Cashback Redemption: 1 Reward Point = ₹0.20.
• Rewards Redemption Fee: A fee of ₹99 + GST applies per redemption.

Card Eligibility Criteria

Eligibility requirements may vary, please verify the latest criteria with HDFC Bank.

For Salaried Indian Nationals

• Age: Minimum 21 years & Maximum 60 years.
• Net Monthly Income:
  • Greater than ₹35,000 (as per one source).
  • Should be ₹70,000 or greater (as per another source).

For Self-Employed Indian Nationals

• Age: Minimum 21 years & Maximum 65 years.
• Income (ITR):
  • ITR greater than ₹6 Lakhs per annum (as per one source).
  • ITR filings should be ₹8.4 Lakhs or greater per annum (as per another source).

Card Review

The HDFC Bank Harley Davidson Diners Club Credit Card is a thoughtfully designed offering that appeals not only to Harley Davidson aficionados but also to a broader audience seeking premium benefits. It successfully merges the thrill of the Harley Davidson brand with extensive credit card advantages. Food and entertainment enthusiasts will particularly benefit from the 'Buy 1 Get 1 Free' movie tickets on weekends, 5X reward points on food delivery apps like Swiggy and Zomato, and up to 20% off on dining via Swiggy Dineout. The card stands out with its welcome benefits including annual memberships to Swiggy One and Times Prime, along with a Harley-Davidson gift card.

The milestone benefits are highly rewarding, offering vouchers from popular brands like Marriott and Decathlon on quarterly spends, and an exclusive, fully sponsored trip to the Harley Davidson Museum in Milwaukee for top annual spenders - a truly unique experience. Travel benefits are also substantial, with 10X reward points on flights and hotels via Smartbuy and complimentary lounge access worldwide for both primary and add-on cardholders. While the card offers great value, a potential area for enhancement could be more direct accelerated reward points for purchases made at Harley Davidson stores, which would further solidify its appeal to dedicated brand loyalists. Despite this, the card offers comprehensive insurance coverage and a low foreign currency markup, making it a strong contender for those looking for a feature-rich premium card with lifestyle benefits.

Pros

• Free airport lounge access is provided for both primary and add-on cardholders.
• Offers excellent benefits for movies and food.
• Includes comprehensive insurance coverage.
• Provides a low foreign currency markup.
• Opportunities for exclusive Harley Davidson events and a sponsored trip for top spenders.

Cons

• Could offer more direct benefits or accelerated Reward Points for purchases made at Harley Davidson stores to enhance its core appeal.
• No reward points are offered on fuel spends.

Important Product Details

• Reward Type: Reward Points.
• Interest Free Credit Period: Up to 50 days from the date of purchase (subject to merchant charge submission).
• Smart EMI: Option to convert big spends into EMIs after purchase.
• Contactless Payment: Enabled for fast, convenient, and secure contactless payments on HDFC Bank POS machines.
  • Payments up to ₹5,000 can be made without a PIN.
  • For transactions equal to or higher than ₹5,000, the PIN is required.

Other Details

• Revolving Credit: Available at a nominal interest rate.
• Phonebanking: Toll-free customer service is available by calling 1860 425 1188 (India).