HDFC H.O.G Diners Club Credit Card
HDFC Bank
last updated: Oct 27, 2025
₹10,000
₹10,000
2%
No lounge access
Contents
The HDFC H.O.G Diners Club Credit Card is a premium co-branded lifestyle card targeted at Harley Owners Group members and premium lifestyle customers. It delivers accelerated rewards on Harley spends, rich welcome benefits including subscriptions and vouchers, and premium travel privileges such as lounge access and concierge services. The card suits high-spend customers who value experiences, travel benefits and milestone rewards.
Features of HDFC H.O.G Diners Club Credit Card which makes it unique
Harley Ecosystem Rewards
Very high earn rates on Harley merchandise and services
Maximises value for Harley owners and enthusiasts
Stronger Harley-focused rewards than generic premium cards
SmartBuy Multipliers
Higher points accrual via HDFC SmartBuy partner bookings
Better value on flights and hotels booked through SmartBuy
Competitive with other HDFC premium cards on SmartBuy.
Rewards Structure of HDFC H.O.G Diners Club Credit Card
Base Rewards
baseAll retail spends excluding fuel, EMI and e-wallet loading
Standard reward accrual on everyday spends.
Dining
acceleratedWeekend dining and partner restaurants
Periodic dining accelerators run via HDFC partnerships.
Harley Spends
baseHarley-Davidson merchandise and authorized dealer spends
High multiplier for Harley ecosystem purchases.
Travel & SmartBuy
acceleratedFlights, hotels and SmartBuy transactions
Higher earn rates through HDFC SmartBuy portal.
Milestones of HDFC H.O.G Diners Club Credit Card
Quarterly Milestone
₹1,50,000 : Premium vouchers and partner benefits
Annual Milestone
₹5,00,000 : Renewal fee waiver and exclusive Harley experiences
Fees & Charges of HDFC H.O.G Diners Club Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal fee waived on spending ₹5,00,000 during the card anniversary year.
Fee Explanation Standard HDFC Bank fee and interest schedules apply for cash advances and overdue amounts. See HDFC fees & charges for full details.
Lounge Access Benefits with HDFC H.O.G Diners Club Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Cardholder must register with the lounge network; T&C apply.
international Lounges
silverVisits per year: 0
Guest access: Yes
Access through Diners Club / Priority Pass where applicable.
Insurance Coverage with HDFC H.O.G Diners Club Credit Card
Travel Insurance
₹10,00,000Valid for international trips under specific terms
Purchase Protection
₹50,000Covers purchases within 90 days, subject to T&C
Additional Features of HDFC H.O.G Diners Club Credit Card
Contactless Payments
Tap and pay enabled where terminals support contactless payments
Concierge Services
Premium concierge for lifestyle and travel assistance
Subject to service provider and card T&C
Welcome Bonus with HDFC H.O.G Diners Club Credit Card
Welcome Bonus: Annual Amazon Prime, Club Marriott and Swiggy One plus ₹2,500 Harley vouchers.
Bonus Conditions: Welcome benefits (Amazon Prime, Club Marriott, Swiggy One memberships and ₹2,500 Harley vouchers) are granted on meeting the card’s welcome spend conditions as defined by HDFC Bank; specific eligibility and conditions vary (refer to bank terms).
Application Process for HDFC H.O.G Diners Club Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank portal or visit a branch
Upload KYC documents
Receive verification call or email
Card dispatched after approval; delivery timelines vary
Required Documents for HDFC H.O.G Diners Club Credit Card
Income Proof
salariedAccepted documents:
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
HDFC H.O.G Diners Club Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India where Diners Club is accepted
International Acceptance
Accepted globally through the Diners Club network and partner rails
Online Acceptance
Yes, accepted for e-commerce transactions subject to merchant acceptance
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC H.O.G Diners Club Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must be an Indian resident and provide valid PAN and Aadhaar for KYC.
How Approval Is Decided
- Minimum income requirement as specified by HDFC Bank
- Indian residency and valid KYC documents
- Credit score and bank underwriting criteria
Pros of HDFC H.O.G Diners Club Credit Card
- Exceptional rewards on Harley ecosystem purchases
- Comprehensive welcome benefits and memberships
- Premium travel perks and priority experiences
Cons of HDFC H.O.G Diners Club Credit Card
- High joining and renewal fee
- Significant annual spend required to waive renewal fees
- Some benefits depend on meeting high spend milestones
Frequently Asked Questions about HDFC H.O.G Diners Club Credit Card
What is the joining and renewal fee?
The joining and renewal fee is ₹10,000 plus applicable taxes. Renewal fee can be waived on achieving the specified annual spend (₹5,00,000) in the card anniversary year.
What are the welcome benefits?
Selected welcome benefits include annual Amazon Prime, Club Marriott membership, Swiggy One membership and Harley vouchers worth ₹2,500. These are subject to qualifying spends and HDFC terms.
How do reward points work?
Base rewards accrue on retail spends (typically 5 points per ₹150). Higher multipliers apply for SmartBuy, travel bookings and Harley spends as per card T&C.
Is lounge access included?
Yes — access to Diners Club/Priority Pass lounges is provided where applicable; registration and terms apply. Exact guest privileges depend on the card benefit schedule.
How can I get the renewal fee waived?
Achieve the required annual spend threshold (₹5,00,000 during the card anniversary year) to qualify for a renewal fee waiver.
Are foreign currency transactions charged?
Foreign currency markup is charged as per HDFC fee schedule (typical markup around 2%–3.5% depending on the product); check the fees & charges page for exact rates.
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