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Side-by-Side Comparison|Updated March 2026

HDFC Bank Harley-Davidson Diners Club Credit Card vs HDFC Bank H.O.G. Diners Club Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Harley-Davidson Diners Club Credit Card

8.2/10
Annual Fee₹2,500
Base Rewards0.534%
NetworkDiners Club
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HDFC Bank

HDFC Bank H.O.G. Diners Club Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards3.3300000000000005%
NetworkDiners Club
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Harley-Davidson Diners Club Credit CardHDFC Bank H.O.G. Diners Club Credit Card
Annual Fee₹2,500₹10,000
Joining Fee₹2,500₹10,000
Fee Waiver Spend₹3,00,000₹5,00,000
Base Reward Rate0.534%3.3300000000000005%
Reward CurrencyReward PointsReward Points
NetworkDiners ClubDiners Club
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Harley-Davidson Diners Club Credit Card

  • 0% on Harley-Davidson Spends
  • 0% on Swiggy & Zomato
  • 0% on SmartBuy Travel

HDFC Bank H.O.G. Diners Club Credit Card

  • 0% on Harley-Davidson Dealerships
  • 0% on Weekend Dining
  • 0% on SmartBuy (Flights/Hotels)

Pros & Cons

HDFC Bank Harley-Davidson Diners Club Credit Card

Pros

  • 10X Reward Points on Harley-Davidson merchandise and service spends.
  • 5X Reward Points on Swiggy and Zomato (up to 2,500 bonus points/month).
  • Complimentary Swiggy One and Times Prime annual memberships as welcome benefits.
  • Buy 1 Get 1 Free on BookMyShow for weekend movie tickets (up to ₹250 off).

Cons

  • High foreign currency markup of 3.5% compared to premium cards.
  • Lounge access is contingent on spending ₹15,000 in the previous calendar quarter.
  • Reward points are not earned on fuel, EMI, and wallet transactions.

HDFC Bank H.O.G. Diners Club Credit Card

Pros

  • 10X Reward Points on Harley-Davidson dealership spends (33.3% value back)
  • Unlimited complimentary domestic and international airport lounge access for primary and add-on members
  • High reward redemption value of 1:1 for Air Miles and SmartBuy travel bookings
  • Low foreign currency markup of 2% on international transactions

Cons

  • High annual fee of ₹10,000 with a steep ₹5 Lakh waiver threshold
  • Restricted eligibility: only available to Harley Owners Group (H.O.G.) members
  • Diners Club network acceptance is lower than Visa/Mastercard in smaller Indian cities

Our Verdict

HDFC Bank H.O.G. Diners Club Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Harley-Davidson Diners Club Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Harley-Davidson Diners Club Credit Card if

Massive 10X rewards on bike servicing and official merchandise.

Choose HDFC Bank H.O.G. Diners Club Credit Card if

Massive 10X rewards on Harley merchandise and services at authorized dealerships.

Frequently Asked Questions

Which is better: HDFC Bank Harley-Davidson Diners Club Credit Card or HDFC Bank H.O.G. Diners Club Credit Card?
HDFC Bank H.O.G. Diners Club Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Harley-Davidson Diners Club Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Harley-Davidson Diners Club Credit Card and HDFC Bank H.O.G. Diners Club Credit Card?
HDFC Bank Harley-Davidson Diners Club Credit Card has an annual fee of ₹2,500, while HDFC Bank H.O.G. Diners Club Credit Card has an annual fee of ₹10,000. HDFC Bank Harley-Davidson Diners Club Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank H.O.G. Diners Club Credit Card offers a fee waiver on ₹5,00,000 annual spend.
Which card has better rewards: HDFC Bank Harley-Davidson Diners Club Credit Card or HDFC Bank H.O.G. Diners Club Credit Card?
HDFC Bank Harley-Davidson Diners Club Credit Card offers a base reward rate of 0.534% with accelerated rewards on Harley-Davidson Spends and Swiggy & Zomato. HDFC Bank H.O.G. Diners Club Credit Card offers 3.3300000000000005% base rewards with bonuses on Harley-Davidson Dealerships and Weekend Dining. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Harley-Davidson Diners Club Credit Card and HDFC Bank H.O.G. Diners Club Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Harley-Davidson Diners Club Credit Card and HDFC Bank H.O.G. Diners Club Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Harley-Davidson Diners Club Credit Card or HDFC Bank H.O.G. Diners Club Credit Card?
For beginners, HDFC Bank Harley-Davidson Diners Club Credit Card may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

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