HDFC Bank Harley-Davidson Diners Club Credit Card

Joining feeRenewal fee

₹2,500 + GST

Fee waiver rule

Renewal Fee waiver for next year on spends of ₹3 lakh in card anniversary year.

Add-on card fee

Add-on Card Fee: Lifetime Free.

Welcome benefit

Annual memberships of Swiggy One & Times Prime plus a Gift Card by Harley-Davidson worth ₹750 on spending ₹75,000 within the first 90 days of card issuance (TnC Apply)

Reward rate

4 Reward Points per ₹150 · everyday spends4 Reward Points per ₹150 retail spends; 20 Reward Points per ₹150 spends on Swiggy and Zomato; up to 10X Reward Points on spends via SmartBuy; maximum of 2500 Reward Points every month; cashback value 1 RP = ₹0.20

Reward exclusions

Reward Points will not be accrued on fuel transactions for 6E rewards / Tata Neu / Cashback earned using Swiggy HDFC Bank Credit Card / Marriott Bonvoy/ Diners Privilege/ Diners Black Metal/ Diners Black/ H.O.G Diners.

Reward caps

You can earn a maximum of 2500 Reward Points every month

What one reward unit is worth

Flights and hotel bookings via SmartBuy at a value of 1 RP = ₹0.5; Exclusive Privilege Dining Catalogue on select Restaurants via SmartBuy at a value of 1 RP = ₹0.50; Cashback at a value of 1 RP = ₹0.20

Cashback redemption

Cashback at a value of 1 RP = ₹0.20.

International lounge accessDomestic lounge access

2 Complimentary Airport lounge access every calendar quarter worldwide, for primary and add-on card members.

Hotel or travel programme

Up to 10X Rewards on Booking flight tickets / stays across 150+ hotels (Domestic & International) at SmartBuy

Dining programme

Good Food Trail program: up to 20% off on restaurant bills when paying through Swiggy Dineout, with access to 20,000+ restaurants; valid only for payments made via the Swiggy app

Milestone benefits

₹1,500 worth vouchers of Marriott Experience or Decathalon or Barbeque Nation or O2 Spa or Lakme Salon on spends of ₹1.5 lakh in a calendar quarter (TnC Apply)

Movie or entertainment ticket benefit

Buy 1 Get 1 Free offer on BookMyShow with up to ₹250 off per booking; redeem twice monthly on a minimum two-ticket purchase for Friday, Saturday, and Sunday shows

Air accident cover

Accidental Air Death Cover worth ₹1 crore.

Credit shield cover

Credit Liability cover up to ₹9 lakh

Medical and hospitalisation cover

Emergency overseas hospitalization up to ₹25 lakh

Travel insurance

Travel Insurance Cover of up to ₹50,000 on baggage delay (Capped to 10$ per hour & restricted to 8 hours)

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

Option to convert your big spends into EMI after purchase.

Forex markup

3.5% on foreign currency transactions.3.5% on all foreign currency spends

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Interest on unpaid balance

3.75% monthly (45.0% annually)

Interest-free period

Up to 50 days from the date of purchase (subject to the submission of the charge by the merchant)

Late payment fee

Nil to ₹1,300, by outstanding amount.

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Education / school fee charge

1% fee will be levied on Education transactions done through third party applications like (but not limited to ) CRED, Nobroker, Cheq etc.Fee capped at ₹4999 per transaction.

Fee on online skill-based gaming spends

Online Skill based Gaming- W.e.f. 1st July 2025, 1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in acalendar month.Fee will be applied on the total Online skill-based gaming spends in a calendar month.

Age the primary cardholder must be

Salaried: 21 to 60 years; Self-employed: 21 to 65 years (Indian nationals)

Income requirement

Net Monthly Income**> ₹35,000

Income, salaried

Net monthly income above ₹35,000.

Income, self-employed

ITR above ₹6 lakh per annum.