HDFC Bank H.O.G Diners Club Credit Card
- Updated On: 19 May, 2026
Harley Owners Group members can now avail of a premium credit card, the H.O.G Diners Club Credit Card, launched by the association of HDFC Bank and Harley Davidson. There are two types of credit cards available for Harley Davidson enthusiasts: the Harley Davidson Credit Card and the H.O.G Diners Club Credit Card. The latter is a premium card that can be availed of by paying a joining fee of ₹10,000.
Earn 10X Reward Points when you spend on SmartBuy to easily book your preferred international or domestic flights and hotel stays. With the H.O.G Credit Card, Harley Davidson enthusiasts can also earn 10X Reward Points on all their spends made with Harley. This, along with unlimited access to international and domestic lounges, makes it an ideal premium credit card. In addition to this, cardholders can earn 5 Reward Points for every ₹150 spent on eligible purchases.
HDFC Bank H.O.G Diners Club Credit Card
( 4.3 / 5 )
Discontinued
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10 RPs/₹150 on Spends Made With Harley, 5 Reward Points/₹150 on Every Retail Spends, and 2X RPs on Weekend Dining
Welcome Benefits
Three Month Swiggy One Membership, Annual Memberships of Club Marriott, Amazon Prime, Forbes, and MMT Black and Harley Vouchers Worth ₹2,500
Rewards and Benefits
Movie & Dining
Flat ₹200 Off (Twice Each Month) Via Swiggy Dineout
Rewards Rate
10 RPs/₹150 on Spends Made With Harley, 5 Reward Points/₹150 on Every Retail Spends, and 2X RPs on Weekend Dining
Reward Redemption
Redemption Via Smartbuy or Netbanking
Travel
5X RPs on Flight and Hotel Bookings Via Smartbuy
Domestic Lounge Access
Unlimited Lounge Access
International Lounge Access
Unlimited Free Lounge Visits
Golf
6 Free Golf Games Each Quarter
Insurance Benefits
Accidental Air Death Cover of ₹2 Crore. Travel Insurance Worth ₹55,000
Fees & Charges
Spend-Based Waiver
Renewal Fee Waived on Spends of ₹5 Lakh
Rewards Redemption Fee
Nil
Foreign Currency Markup
2%
Interest Rates
1.99% Monthly and 23.88 Yearly
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver
Cash Advance Charges
2.5% of the Total Amount
Product Details
- This card is most suited for members of the Harley Owners Group.
- This card can be availed at a joining fee of Rs. 10,000 plus applicable taxes.
- Customers can avail of free unlimited international and domestic lounge access with this card.
Pros/Cons
Pros
- Unlimited lounge access is offered for both primary and add-on credit card holders.
Cons
- For a credit card with such a high joining fee, it should have offered some golf privileges.
Reward Points Earning
- 10X Reward Points for spends on Smartbuy.
- 10X Reward Points for Harley spends.
- 5 Reward Points for each retail spend of ₹150.
- 2X Reward Points on weekend dining at standalone restaurants. Maximum Reward Point earning for this category is capped at 1,000 RPs per day.
- Reward Points shall be valid for a period of 3 years.
- 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.
No Reward Points will be awarded for fuel, rent payments, government transactions, easy EMIs, or wallet reloads.
Reward Point Redemption/Value
You can redeem the Reward Points earned with the H.O.G Diners Club Credit Card for flight and hotel bookings via Smartbuy (Value of 1 Reward Point = ₹1). You can also redeem your Reward Points against popular partner airlines.
| Redemption Value |
| 1 Reward Point = 1 KrisFlyer Miles |
| 2 Reward Point = 1 TurkishMiles |
| 2 Reward Point = 1 Accor Points |
| 2 Reward Point = 1 Avianca LifeMiles |
HDFC Bank H.O.G Diners Club Credit Card Top Features
Welcome Benefits
Cardholders can avail themselves of complimentary Club Marriott, MMT Black, Amazon Prime, Swiggy One, and Forbes memberships. Additionally, they would also get Harley vouchers worth ₹2,500. Customers can avail of all these benefits by spending ₹1.5 lakh within the first 90 days of card issuance.
Milestone Benefits
H.O.G Credit Card holders who spend ₹80,000 in a month would be eligible for one out of the following two benefits-
- One Month Membership of Cult.fit
- ₹500 Vouchers of Ola, BookMyShow, or Tata CLiQ (Any One)
Dining Benefits
- Enjoy discounts of up to ₹200 with the Good Food Dining Program. These discounts are only available when payment is made through Swiggy Dineout.
- 2X Reward Points on weekend dining.
Travel Benefits
- 5X Reward Points on flight and hotel bookings at Smartbuy.
- Unlimited domestic and international airport lounge access across the globe from both primary and add-on cardholders.
Insurance Cover
The HDFC H.O.G Diners Club credit cardholders are provided with comprehensive insurance coverage.
| Insurance Cover | Amount Insured |
| Credit Liability Cover | ₹9 Lakh |
| Accidental Air Death Cover | ₹2 Crore |
| Emergency Overseas Hospitalisation Cover | Up to ₹50 Lakh |
| Travel Insurance Covers Baggage Delay | Up to ₹55,000 |
Review of H.O.G Diners Club Credit Card
The HDFC Bank H.O.G Diners Club Credit Card is a premium offering designed for Harley Owners Group members, providing exclusive benefits and rewards. With a joining fee of ₹10,000 plus GST, this card caters to the shopping needs of Harley motorcycle enthusiasts. The welcome benefits, including memberships for Swiggy One (Three Months), Club Marriott, Amazon Prime, and MMT Black, along with Harley vouchers worth ₹2,500, make it an attractive choice.
One of the best features is the unlimited lounge access for both primary and add-on cardholders, ensuring a luxurious travel experience. The card provides substantial rewards, such as a 25% discount, 5 Reward Points for every ₹150 spent, and 10X Reward Points for SmartBuy and Harley spends.
While the card has a high joining and renewal fee, the spend-based waiver for renewal fees on reaching ₹5 lakh in spends, along with various benefits, contribute to its appeal. In conclusion, the H.O.G Diners Club Credit Card caters well to the lifestyle and travel needs of Harley Davidson enthusiasts, offering a premium experience with substantial rewards and benefits.
FAQs:
What are the fees for the H.O.G Diners Club Credit Card?
This credit card can be availed at a joining/renewal fee of ₹10,000.
How many reward points shall I get for spending on Harley Davidson?
With the H.O.G Diners Club Credit Card, you can earn 10X reward points on all Harley purchases, including merchandise.
Can I make international transactions with this Harley Davidson Credit Card?
Yes, you can make international transactions with the HDFC H.O.G Credit Card. This card is very suitable for them as it charges a low Forex markup of 2%.
Am I eligible for the HDFC H.O.G Credit Card?
To be eligible for the HDFC Bank H.O.G Credit Card, a salaried individual needs to have a minimum monthly income of ₹1.75 lakh, and self-employed individuals need to have an annual ITR of ₹21 lakh or above.
2 comments
Akash Mehta
What if we get this and the merchant ask for a 2% charge on the purchase of a bike..??
Kartik Kanwar
Whenever you buy a bike or car, it’s important to negotiate dealer credit card charges. These fees are often inflated, and with some persistence, you can bring them down sometimes to as low as 1%.