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HDFC Bank H.O.G Diners Club Credit Card VS HDFC Bank Harley Davidson Diners Club Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026
HDFC Bank H.O.G Diners Club Credit Card
HDFC Bank H.O.G Diners Club Credit Card
HDFC Bank Harley Davidson Diners Club Credit Card
HDFC Bank Harley Davidson Diners Club Credit Card

Fees & Charges

Joining Fee₹10,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived on annual spends of ₹5 Lakh in the preceding year.
Spend Based WaiverRenewal fee waived on spends of ₹3 Lakhs or more in card anniversary year.
Foreign Transaction Fees2% markup on all foreign currency spends.
Foreign Transaction Fees2% (lower than usual 3.5%).
Interest Rate (APR)1.99% monthly or 23.88% annually.
Interest Rate (APR)3.60% monthly / 43.20% yearly.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Club Marriott, MMT Black, Amazon Prime, Forbes memberships, & ₹2,500 Harley-Davidson Gift Card.
Welcome BonusAnnual memberships of Swiggy One & Times Prime, plus Harley-Davidson Gift Card worth ₹750.
Rewards RateEarn 5 RPs per ₹150 on retail; 10X RPs on Harley-Davidson & up to 10X via SmartBuy (5X flights/hotels).
Rewards Rate4 Reward Points on every ₹150 retail spends. 5X on Swiggy/Zomato.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access across India for primary and add-on card members.
Domestic Lounge Access2 complimentary visits per quarter in India for primary/add-on, on ₹15K spend in prev quarter.
International Lounge AccessUnlimited complimentary airport lounge access worldwide for primary and add-on card members.
International Lounge Access2 complimentary visits per quarter worldwide for primary/add-on, on ₹15K spend in prev quarter.
Travel BenefitsUnlimited domestic & international lounge access; comprehensive travel insurance cover for air death, hospitalization, baggage delay.
Travel Benefits10X RPs on flights/hotels via Smartbuy; special Harley Davidson events/trip for top spenders.
Movie Benefits
Movie Benefits'Buy 1 Get 1 Free' offer on BookMyShow weekend show tickets, max twice/month (up to ₹250 free).
Dining BenefitsEarn 2X RPs on weekend dining; up to ₹200 off with Good Food Dining Program & 10% extra via Swiggy Dineout.
Dining BenefitsEarn 5X Reward Points on Swiggy/Zomato; up to 20% off on restaurant bills via Swiggy Dineout.
Golf Benefits6 complimentary golf games per quarter at finest courses globally.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver (min ₹400, max ₹1,000/cycle).
Fuel Surcharge WaiverMaximum waiver capped at ₹500 per billing cycle.

Security & Other

Insurance Benefits₹2 Cr Air Death, ₹50 L Overseas Hospitalization, ₹55 K Travel (baggage delay), ₹9 L Credit Liability cover.
Insurance BenefitsAccidental Air Death (₹1 Cr), Overseas Hospitalization (₹25 L), Travel (₹50K), Credit Liability (₹9 L).
Cash Advance Charges2.5% of the cash advanced amount.
Cash Advance Charges2.5% of the total cash advance amount.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank H.O.G Diners Club Credit Card

HDFC Bank Harley Davidson Diners Club Credit Card

Who is it for?

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 provides exclusive rewards and benefits for a thrilling journey ahead. Cardholders enjoy accelerated reward points on Harley-Davidson spends and SmartBuy transactions, along with unlimited lounge access and golf games, making it ideal for frequent travelers and high spenders.

Who is it for?

The HDFC Bank Harley Davidson Diners Club Credit Card is designed for Harley-Davidson enthusiasts, offering unparalleled rewards and benefits. It provides valuable annual memberships, a Harley-Davidson Gift Card, and exclusive experiences for top spenders. Enjoy 'Buy 1 Get 1 Free' movie offers, complimentary lounge access, and accelerated reward points on food delivery, making it a premium card with extensive lifestyle benefits.

Pros

Key benefits and features.

Generous welcome benefits include annual memberships & 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.

Enjoy 6 complimentary golf games per quarter at some of the world's finest courses.

Comprehensive insurance cover including air death, overseas hospitalization, and travel benefits.

Pros

Key benefits and features.

Free airport lounge access is provided for both primary and add-on cardholders.

Exceptional benefits for movies and food delivery via BookMyShow, Swiggy, and Zomato.

Comprehensive insurance coverage including accidental air death, overseas hospitalization, and travel.

Enjoy a competitive 2% foreign currency markup, significantly lower than standard rates.

Exclusive Harley Davidson events and sponsored trip to museum for top spenders.

Cons

Key drawbacks and limitations.

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 fuel, rent payments, government transactions, or wallet reloads.

Only 70% of flight and hotel booking value can be redeemed via reward points.

Cons

Key drawbacks and limitations.

Limited direct accelerated rewards for purchases made at official Harley Davidson stores.

Lack of reward points on fuel transactions, which might be a drawback for some users.

A rewards redemption fee of ₹99 + GST is charged per redemption transaction.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank H.O.G Diners Club Credit Card(opens in new tab)Apply for HDFC Bank Harley Davidson Diners Club Credit Card(opens in new tab)