HDFC Bank H.O.G Diners Club Credit Card: Benefits & Charges

Table of Contents

Summary

The HDFC Bank H.O.G Diners Club Credit Card is a luxury credit card with a unique profile made for Harley-Davidson bikers and bikers who would like to have a taste of luxury, travel, and lifestyle rewards. It is an elite edition card on the Diners Club card network, which provides high-end benefits with a class appearance that reflects freedom and adventure attitude of Harley-Davidson.

One of the strongest aspects of this card is its rewards program. You earn 5 reward points for every ₹150 spent on normal transactions, 10X points at Harley-Davidson shops, and 2X points for weekend dining. You also earn 5X points on travel reservations on HDFC SmartBuy.

The Credit card is also accompanied by special welcome treats, such as premium memberships and a Harley-Davidson voucher when you spend ₹1.5 lakh within the first 90 days. Spend ₹80,000 and enjoy additional treats, such as vouchers and health app subscriptions for spenders of the month.

Introduction

Today, in the age of urbanization, a credit card is not just for paying bills; it is for indulging in the luxury of lifestyle rewards, benefits, and high-value services. HDFC Bank, India’s best private bank, is aware of this and offers a range of credit card products catering to the varying needs of customers. One of them is the HDFC Bank H.O.G Diners Club Credit Card. This card is only for the Harley Owners Group (H.O.G.) members who are motorcycle enthusiasts and gives a balance of perfect rewards, travel, gourmet dining, and luxury benefits.

The H.O.G. Diners Club Credit Card is a member of the elite Diners Club International network, with even more privileges and worldwide acceptance. This is not another payment card – it’s a lifestyle statement. From airport lounge access and golf club benefits to restaurant savings and reward award points, it’s a weapon of benefits for travelers who prefer to ride high and remain king-size.

One of the most salient aspects of this card is its exclusive advantages for Harley-Davidson motorcycle owners. As H.O.G. members, cardholders can experience riding and travel love-based deals. The card also provides access to a range of HDFC Bank services, such as Smart EMI, EasyEMI, and contactless payment, which contribute to convenience and ease of expenditure.

But the best part of this card is its reward scheme. With every purchase, you get reward points that can be used later for booking travel, air ticket tickets, hotel accommodation, and even purchasing products. It also provides additional reward points on weekend shopping, eating out, and shopping at partner outlets – the best thing for the shopping culture of frequent travelers and adventure enthusiasts.

What is the HDFC Bank H.O.G Diners Club Credit Card?

The HDFC Bank H.O.G Diners Club Credit Card is a special credit card issued specifically for the members of the Harley Owners Group (H.O.G) – those who own and adore Harley-Davidson bikes. The card is on the Diners Club International network, which is renowned for providing improved benefits and international acceptance.

It not only makes it easy for you to shop but also provides you with several other advantages, such as access to airport lounges, reward points, dining and shopping discounts, and special H.O.G. offers. It’s a lifestyle credit card designed for the person who enjoys riding, traveling, and living life in style. You can earn points on all your transactions through this card and redeem them for travel, shopping, and more.

What is the design of the HDFC Bank H.O.G Diners Club Credit Card?

The HDFC Bank H.O.G Diners Club Credit Card boasts a strong and unique design that symbolizes the attitude of Harley-Davidson riders. The card sports the famous Harley Owners Group (H.O.G.) logo—a powerful eagle with outstretched wings—on a cool black background.

Also, the card has a contactless payment sign, through which simple and safe payments are permitted. All in all, H.O.G Diners Club Credit Card’s design is between the lines of glamour and ruggedness, so the card will suit the user, who leads the life by own rules.

What are the benefits of the HDFC Bank H.O.G Diners Club Credit Card?

Here is a quick overview of its key features:

Reward Points

Base Rewards: Get 5 Reward Points on every ₹150 spent on general retail purchases.

Harley-Davidson Buys: Earn 10X Reward Points (i.e., 50 points for every ₹150) while buying Harley-Davidson products or services from authorized dealers.

Weekend Eating: Earn 2X Reward Points (10 points for every ₹150) on eating out on weekends.

Travel Bookings via SmartBuy: Earn 5X Reward Points (25 points for each ₹150) on flight and hotel bookings made via HDFC’s SmartBuy

Reward Redemption: Redeem points for flight or hotel reservations and earn up to 70% of the booking value.

Welcome and Milestone Benefits

Welcome Offer: Spend ₹1.5 lakh in the initial 90 days to get free membership to services like Amazon Prime, Swiggy One, MMT Black, Club Marriott, Forbes, and a ₹2,500 gift card for Harley-Davidson.

Monthly Milestone: Spend ₹80,000 in one month to enjoy two of your choice benefits, like ₹500 vouchers at BookMyShow, Tata CLiQ, Ola, or 1-month cult.fit Live membership.

Travel and Lifestyle Perks

Airport Lounge Privileges: Unlimited complimentary access to over 1,000 airport lounges worldwide for primary and add-on cardholders.

Golf Benefits: Enjoy up to 6 complimentary golf games a quarter at specific golf clubs around the globe.

Fuel Surcharge Refund: Earn a 1% refund of fuel surcharges on transactions ranging from ₹400 to ₹5,000, with a maximum of ₹1,000 per statement cycle.

Insurance and Protection

Accidental Air Death Insurance: Insurance up to ₹2 crore.

Emergency Overseas Hospitalization: Up to ₹50 lakh.

Baggage Delay Insurance: Up to ₹55,000.

Credit Liability Cover: Cover up to ₹9 lakh.

Additional Features

Contactless Payments: Facilitating quick and secure transactions at retail outlets.

Smart EMI Option: Convert high-value purchases into convenient monthly installments.

What are the fees for the HDFC Bank H.O.G Diners Club Credit Card?

Here is a simple HDFC Bank H.O.G Diners Club Credit Card fee breakup.

Joining Fee	₹10,000 plus GST
Annual Fee	₹10,000 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank H.O.G Diners Club Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank H.O.G Diners Club Credit Card?

The documents that you will have to submit to Get an HDFC H.O.G Diners Club Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank H.O.G Diners Club Credit Card be used?

Here is the list of places where you can use it:

With the HDFC Bank H.O.G Diners Club Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HDFC Bank H.O.G Diners Club Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The HDFC Bank H.O.G Diners Club Credit Card is also accept in other countries, where you can make purchases and payments. It is also accept wherever Visa is accept.

What is the credit limit of the HDFC Bank H.O.G Diners Club Credit Card?

The credit limit of the HDFC Bank H.O.G Diners Club Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank H.O.G Diners Club Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank H.O.G Diners Club Credit Card.

Just hover your cursor on the HDFC Bank H.O.G Diners Club Credit Card, followed by selecting ‘Apply Now’ from there.

You will be ask to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the HDFC H.O.G Diners Club Credit Card.

Request for the credit card application form for the HDFC H.O.G Diners Club Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HDFC H.O.G Diners Club Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank H.O.G Diners Club Credit Card in 2025 be right?

Yes, the HDFC H.O.G Diners Club Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC H.O.G Diners Club Credit Card is not a credit card, it’s a lifestyle experience in premium, crafted only for Harley-Davidson motorcycle riders and big spenders seeking ultimate rewards and world-class benefits. The card combines the sophistication of the Diners Club International network with the special passion and spirit of the Harley Owners Group (H.O.G.).

From earning huge reward points on every purchase to air lounge access wherever you go, free rounds of golf, and exclusive travel and dining rewards, this card is meant to bring comfort, class, and value to its owner. Whether you’re flying on business, a vacation, or just for a Friday night dinner, this card pays you back every step of the way.

The card itself has been designed in a style of freedom, adventure, and the rush of riding—just for Harley riders who ride life. And with benefits like insurance cover, EMI options, fuel surcharge exemptions, and even gift coupons on milestone spends, it turns everyday expenditure into savings and reward opportunities.