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▾HDFC Bank Harley-Davidson Diners Club Credit Card Review
Best for: Riders / motoring enthusiasts who like the Harley-Davidson branding but want a Diners Club mid-premium feature set — 5X on Swiggy & Zomato, 10X on SmartBuy travel bookings, worldwide lounge access, comprehensive insurance, and a quarterly milestone voucher. Note: the rewards structure has nothing to do with Harley-Davidson dealership spends; the Harley branding is cosmetic.
- 5X RP on Swiggy & Zomato (20 RP per ₹150 ≈ 6.7% at 1 RP = ₹0.50 SmartBuy redemption)
- Up to 10X RP on SmartBuy bookings (flights/hotels)
- 2 complimentary lounge visits per quarter worldwide (8 / year)
- Welcome benefit: 1-yr Swiggy One & Times Prime memberships
- ₹1,500 milestone voucher (Marriott / Decathlon / BBQ Nation / O2 Spa / Lakme Salon) on ₹1.5L spend per calendar quarter
- Air death cover ₹1 crore + emergency overseas hospitalisation ₹25 lakh + credit liability ₹9 lakh
- BOGO BookMyShow + up to 20% off via Swiggy Dineout (20,000+ restaurants)
- No lounge access
- No insurance add-ons beyond basic
- Base reward rate is modest
- Niche card with low utility outside Harley spends
Fees & charges
| Item | Charge |
|---|---|
| Joining + Annual fee | Not exposed on the issuer's public product page; sourced from MITC PDF — historically ~₹2,500 + GST. Verify in current MITC before applying. |
| Forex markup | 3.5% (HDFC standard) |
| Finance charge | 3.6% p.m. (~43.2% p.a.) on revolving balance |
| Late payment fee | Tiered, up to ₹1,300 (refer MITC) |
| Welcome benefit value | Annual Swiggy One + Times Prime memberships (typically ₹1,000+ each) |
| Annual savings claim | Issuer markets “Save up to ₹15,000 annually” — depends on usage of milestone, lounge and Swiggy/Zomato benefits |
Rewards structure
Verified Apr 2026 against the issuer's product page: 4 RP per ₹150 on retail spends (~2.67 RP / ₹100). 5X (i.e. 20 RP per ₹150) on Swiggy and Zomato. Up to 10X RP on SmartBuy bookings. There is no special accelerator on Harley-Davidson dealership spends — the Harley branding is cosmetic; rewards follow the standard HDFC Diners Club mid-tier structure. Redemption value is highest (1 RP ≈ ₹0.50) when used on SmartBuy travel; lower on cash-back and product catalogue redemption (typically ₹0.30 or less).
Key benefits
- 2 complimentary airport lounge visits per quarter worldwide (8/year)
- BOGO BookMyShow movie ticket offer
- Up to 20% off restaurant bills via Swiggy Dineout (20,000+ restaurants)
- Welcome: Annual memberships of Swiggy One + Times Prime
- Quarterly milestone voucher of ₹1,500 (Marriott / Decathlon / BBQ Nation / O2 Spa / Lakme Salon) on ₹1.5L spend in a calendar quarter
- Insurance: ₹1cr air-death cover, ₹25L emergency overseas hospitalisation, ₹50K travel-baggage delay (capped $10/hr, 8 hrs), ₹9L credit-liability cover
- Fuel surcharge waiver 1% (refer MITC for cap)
- Free add-on card for family member
Who the HDFC Harley-Davidson is for
This is genuinely useful only if you own a Harley. Service intervals with parts can run ₹30-60K/year on a heavily-ridden bike, so 5% on that is meaningful (₹1,500-3,000 annually). Anyone not in the Harley ecosystem should skip this.
Final verdict
A sharply-targeted co-brand card. The 5% on Harley spends is real and the ₹500 fee is negligible. But unless you ride a Harley, nothing else about this card is competitive — pick a mainstream cashback card instead.
FAQ
Does the 5% apply to new bike purchases?
No — the accelerated 5% applies to servicing, parts, accessories and merchandise. New motorcycle purchases earn only the base 2% rate.
Is this card issued on both Visa and Mastercard networks?
HDFC typically issues on one network per customer based on inventory. No preference is guaranteed at application.
Can I transfer points to airline miles?
No — Harley-Davidson co-brand points are redemption-only (statement credit or Harley merchandise catalogue).
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.