H.O.G Diners Club Credit Card 2025 Review: A Beast for Harley Lovers & Lifestyle Enthusiasts

🔥 Who This Card Caters To

The H.O.G Diners Club Credit Card isn't just plastic—it's a statement of passion. Designed exclusively for Harley Owners Group members, it comes forged in metal and loaded with perks that amplify both your rider identity and lifestyle aspirations.

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💎 Standout Benefits

• 10× reward points on purchases at Harley‑Davidson dealerships—supercharging your gear & service spends.
• Base earning of 5 points per ₹150 on all retail transactions.
• Weekend dining boost—double points every Saturday and Sunday.
• SmartBuy accelerator—up to 10× points on travel, gadgets and more via HDFC SmartBuy.
• Unlimited airport lounge access worldwide for both primary and add-on members.
• Six golf rounds per quarter at premium courses—perfect for unwinding away from the highway.
• Fuel surcharge waiver of 1% per statement cycle (₹400–₹5,000 spends).

🎁 What Comes as Welcome & Monthly Bonuses

• Welcome bounty: Swiggy One (3 months), Club Marriott, MMT Black, Amazon Prime, Forbes Digital—all plus a ₹2,500 Harley voucher after ₹1.5 L spends in 90 days.

• Monthly milestone gifts: Spend ₹80K in a month and choose two perks—cult.fit Live, BookMyShow, TataCliQ or Ola vouchers (₹500 value each).

🧰 Insurance & Safety Nets

• Credit fraud liability up to ₹9 L.
• Accidental Air Death Cover of ₹2 Cr and hospitalization cover for overseas emergencies (₹50 L). Also baggage delay cover (~₹55K).

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💳 Fees & How to Waive Them

• Joining/renewal fee: ₹10,000 + GST.
• Waiver criteria: Spend ₹5 L in the anniversary year to skip the renewal fee.

✅ Ideal Candidates

• True Harley devotees who spend regularly on accessories and servicing.
• Travel-lovers who crave luxe lounge days and golfing getaways.
• High‑rolling lifestyle seekers with budgets that meet waiver thresholds.
• Smart shoppers tapping into SmartBuy deals for travel and gadgets.

⚠️ Points to Consider

• Steep fee—₹10,000 isn't trivial; justified only with disciplined use.
• Spending prerequisite—₹5 L waiver or ₹80K monthly to unlock milestones.
• Category exclusions—fuel loads, wallet top-ups and EMI spends don’t earn points.

🏁 Final Take

If your ride is more than a hobby—it’s a lifestyle—the H.O.G Diners Club Card tailors perks around your passions. Unlimited lounge XRP, golf therapy, Harley dealership gains and high-end membership bundles define its allure. It's a premium ride for your wallet—provided you're ready to power through its fee with smart, regular usage.

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