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HDFC Harley-Davidson Diners Club Credit Card Review
The HDFC Harley-Davidson Diners Club card is a lifestyle co-brand for Harley owners and fans. Alongside standard HDFC reward points it offers Harley-Davidson vouchers, invitations to brand events and the chance of a trip to the Harley-Davidson Museum for the top annual spenders.
For everyday value, it behaves like a mid-tier HDFC Diners card: decent points, accelerated food delivery rewards and conditional lounge access.
- 5X points on Swiggy and Zomato
- Up to 10X on SmartBuy flights and hotels
- Harley-Davidson vouchers and events for higher spenders
- BookMyShow buy-one-get-one twice a month
- Renewal fee waived at ₹3 lakh
- Welcome benefits need ₹75,000 spend in 90 days
- 5X bonus capped at 2,500 points a month
- Lounge access only after ₹15,000 spend in the previous quarter
- 3.5% forex markup
- Diners Club acceptance is narrower than Visa/Mastercard
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹2,500 |
| Renewal fee | ₹2,500, waived on ₹3 lakh spend in the year |
| Forex markup | 3.5% |
| Interest | As per HDFC’s schedule of charges |
Rewards: how the card earns
| Spend | Earn |
|---|---|
| Base | 4 reward points per ₹150 |
| Swiggy and Zomato | 5X (20 points per ₹150); bonus capped at 2,500 points a month |
| SmartBuy flights and hotels | Up to 10X |
Points are worth about ₹0.50 on SmartBuy travel, ₹0.35 in the catalogue and ₹0.20 as cashback, and are valid for two years. Fuel, EMI, cash and fees earn nothing.
What earns nothing
Fuel, EMI, cash withdrawals and fees earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | Swiggy One, Times Prime and ₹750 Harley-Davidson vouchers, on ₹75,000 spend within 90 days |
| Quarterly milestone | ₹1,500 vouchers on ₹1.5 lakh spend in a quarter |
| Harley events | Top quarterly spenders invited to a Harley event; top annual spenders (minimum ₹7.5 lakh) can win a museum trip |
| Lounge access | 2 visits a quarter (domestic and international combined), after ₹15,000 spend in the previous quarter |
| Movies | BookMyShow buy-one-get-one, up to ₹250, twice a month (Fri–Sun) |
Eligibility
Issuer
HDFC Bank
Network
Diners Club
Income
Check HDFC’s current criteria
Availability
Confirm with HDFC (see note above)
Who this card is for
- Good fit: Harley-Davidson owners and fans who spend ₹3 lakh+ a year and will use the brand perks.
- Skip if: you have no interest in Harley-Davidson — HDFC’s mainstream cards give similar points with wider acceptance.
Alternatives worth comparing
Final verdict
A fun co-brand for the Harley community with solid HDFC points underneath. If the brand perks don’t matter to you, a mainstream HDFC card offers similar rewards with wider acceptance.
Frequently asked questions
What is the annual fee?
₹2,500 + GST, waived if you spend ₹3 lakh in the year.
How do the 5X Swiggy and Zomato points work?
You earn 5X points on Swiggy and Zomato, with the bonus portion capped at 2,500 points a month.
Does it give lounge access?
2 visits a quarter in total, only if you spent ₹15,000 in the previous quarter.
What is the forex markup?
3.5%.
Is the card still available?
HDFC still lists it, but check with the bank whether new applications are accepted.
Last verified: October 2026, against HDFC Bank’s Harley-Davidson Diners Club card page and fees schedule. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.