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HDFC Bank Harley-Davidson Diners Club Credit Card
HDFC Harley-Davidson Diners Club is a niche co-brand card built for Harley-Davidson owners and enthusiasts — it layers accelerated reward points on the brand's merchandise, servicing and accessories on top of otherwise strong dining and travel multipliers (6X dining, 8X travel). The affinity branding is the whole point; without an actual Harley to service or accessorize, the card's differentiation largely disappears and it becomes a fairly ordinary premium Diners Club product.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
2.67%
Card network
Diners Club
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2.67% base rate
- Domestic lounge access: 2 complimentary airport lounge visits per calendar quarter, usable worldwide, for primary and add-on cardholders
- International lounge access: Included in the same 2 complimentary lounge visits per quarter (worldwide)
Benefits by category
- 🍽️ Dining & food delivery
6% reward rate
- ✈️ Travel
8% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: Points redeemable via SmartBuy against flights/hotels or as statement credit at no cost; nominal fee for catalogue/voucher redemptions
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- A Harley-Davidson branded gift card worth ₹750, plus complimentary Swiggy One and Times Prime memberships, unlocked once ₹75,000 is spent within the first 90 days of card issuance
- Accelerated reward points on Harley-Davidson merchandise, bike servicing and accessories purchased at authorized dealerships, alongside 5X points on Swiggy/Zomato and 10X points on SmartBuy travel bookings
- Bonus reward points awarded on crossing designated spend milestones each card anniversary year, rewarding sustained annual usage
Pros
- + Accelerated reward points specifically on Harley-Davidson merchandise, servicing and accessories
- + Strong 8X travel and 6X dining multipliers independent of the Harley affinity angle
- + 10X SmartBuy travel booking rate matches some of HDFC's higher-tier travel cards
- + Swiggy One and Times Prime welcome memberships add everyday lifestyle value
- + ₹750 Harley-Davidson gift card sweetens the welcome offer for actual riders
Cons
- − ₹35,000/month income bar for salaried applicants (₹6 lakh ITR if self-employed) for a card whose signature benefit only matters to Harley owners
- − Diners Club acceptance is narrower than Visa/Mastercard, especially outside metro India
- − Only 2 complimentary lounge visits per quarter, shared between domestic and international
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