HDFC Harley‑Davidson Diners Club Credit Card 2025 Review: A Rider’s Luxe Companion

🏍️ First Look

Tailored for true Harley fans, the HDFC Harley‑Davidson Diners Club Credit Card isn’t just plastic—it’s a symbol. With bold metal design, it’s packed with powerful perks that match the passion of the open road and refined lifestyle.

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💥 Core Rewards at a Glance

• 4 RP per ₹150 on all retail spends.
• 5× points on Swiggy & Zomato (boosted to 20 RP per ₹150, capped at ₹2,500/month).
• SmartBuy accelerator: up to 10× points on flight and hotel bookings.
• Buy 1 Get 1 Free on BookMyShow weekends (2 tickets per month, up to ₹250/ticket).
• 10× points on official Harley‑Davidson merchandise and service spends.

🎁 Perks & Milestones

• Welcome bundle: 3‑month Swiggy One, Times Prime, Harley voucher worth ₹750 on ₹75K spend in 90 days.
• Quarterly milestone voucher worth ₹1,500 (Marriott, Decathlon, BBQ Nation, Lakmé etc.) on hitting ₹1.5 L spend per quarter.
• Lounge access: 2 complimentary airport lounge visits worldwide per quarter for primary & add‑on members.

🌍 Safety, Travel & Flex Perks

• Contactless tap‑to‑pay at PoS terminals.
• Smart EMI conversion for large purchases.
• Travel insurance: ₹1 cr air accident; ₹25 L overseas hospitalization; ₹50,000 baggage delay; ₹9 L credit liability cover.
• Forex fee: 2% (competitive).

💸 Fee & Waiver

• Joining/Annual Fee: ₹2,500 + GST.
• Waiver: Spend ₹3 L in anniversary year.
• Finance Charge: ~3.75% monthly (~45% p.a.).

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✅ Who This Card Suits Best

• Harley‑Davidson owners or enthusiasts making dealership purchases.
• Frequent diners & delivery users via Swiggy or Zomato.
• Lifestyle seekers exploiting lounge visits, movies, travel & smart EMI.
• High‑spending riders who can unlock quarterly rewards and waive annual fee.

⚠️ Points to Note

• Quarterly spend requirement (₹1.5 L) is steep—ideal for regular heavy spenders.
• BookMyShow and Swiggy caps limit extra perks once thresholds hit.
• If ride-related spends are low, simpler cards may offer better value.

🏁 Final Take

The Harley‑Davidson Diners Club Credit Card is a bold statement—mirroring bike culture in metal form and packed with lifestyle-enhancing benefits. With rider-first rewards, limo perks, and elite travel comfort, it fits those who live the Harley ethos on and off the road. Spend smart, unlock fully—and ride with style.

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