HDFC H.O.G. Diners Club Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
Milestone Benefits
Cashback Rate
Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%.
On weekends users can get 2x points on dining. Weekend dining credit card rate: 6.66%.
10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Movie Benefits
Dining Benefits
Other Benefits
Great travel benefits. Great value add benefits. Users will get free credit liability cover of Rs Rs 9 Lakhs.; Forex charges at a lower rate of 2%.; Exclusive 24/7 concierge services.; Air accident insurance cover worth Rs 2 crore.; Emergency overseas hospitalisation: Rs 50 Lacs.; Users can avail travel insurance coverage of up to Rs 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Lounge Access
Fees & Charges
Joining Fee
Annual Fee
Rs. 10,000 + GST.
Cash Advance Fee
Cash Advance Fee:2.5% of the amount withdrawn (minimum Rs. 500).
Interest rate
3.49% per month (41.88% per annum)
Late Payment Fee
Late Payment Charges:Ranges from INR 100 to INR 1300
Foreign Currency Transactions Fee
Foreign Currency Markup: 2% on all foreign currency transactions.
Other Fees
Joining/Renewal Membership Fee:Rs. 10,000 + Applicable Taxes (annually). | Reward Redemption Fee: INR 99.
Cons
High annual fee.
Limited acceptance: Diners Club network is smaller than Visa or Mastercard, especially in smaller towns.
No free movie tickets.
Reward System: Users will get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
Milestone Benefit: Complimentary Ola cabs, cult.fit Live, BookMyShow, and TataCliQ vouchers on spends of over INR 80,000 every month
Users will get free credit liability cover of INR 9 Lakhs.
Forex charges at a lower rate of 2%.
Exclusive 24/7 concierge services.
Users will get unlimited domestic and international lounge access to 1000+ lounges in India and worldwide for primary and add-on card members.
Air accident insurance cover worth INR 2 crore.
Emergency overseas hospitalisation: INR 50 Lacs.
Users can avail travel insurance coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Users will get upto 25% off on select restaurants through the Good Food Trail program.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
The applicant must be an Indian citizen.
The applicant must be between 21 and 60 years of age if salaried, and between 21 and 65 years of age if self-employed.
The applicant must have a good credit history and no payment defaults.
The applicant must have a regular source of income.
The minimum income requirement for salaried individuals is INR 1.75 Lakh per month.
The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 202 6161
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Reward System: Users will get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
Milestone Benefit: Complimentary Ola cabs, cult.fit Live, BookMyShow, and TataCliQ vouchers on spends of over INR 80,000 every month
Users will get free credit liability cover of INR 9 Lakhs.
Forex charges at a lower rate of 2%.
Exclusive 24/7 concierge services.
Users will get unlimited domestic and international lounge access to 1000+ lounges in India and worldwide for primary and add-on card members.
Air accident insurance cover worth INR 2 crore.
Emergency overseas hospitalisation: INR 50 Lacs.
Users can avail travel insurance coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Users will get upto 25% off on select restaurants through the Good Food Trail program.
High annual fee.
Limited acceptance: Diners Club network is smaller than Visa or Mastercard, especially in smaller towns.
No free movie tickets.
A fully loaded credit card. The only con of the card is its high eligibility criterion. One of the few cards in India that gives unlimited lounge visits.
A fully loaded credit card. The only con of the card is its high eligibility criterion. One of the few cards in India that gives unlimited lounge visits.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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