HDFC H.O.G. Diners Club Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
HDFC H.O.G. Diners Club Credit Card
Bank Name :
HDFC Bank
प्रकार
Rewards Credit Card
ब्याज दर
3.49% per month (41.88% per annum)
पात्रता
The applicant must be an Indian citizen.
The applicant must be between 21 and 60 years of age if salaried, and between 21 and 65 years of age if self-employed.
The applicant must have a good credit history and no payment defaults.
The applicant must have a regular source of income.
The minimum income requirement for salaried individuals is INR 1.75 Lakh per month.
The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum
पेशेवरों
Reward System: Users will get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
Milestone Benefit: Complimentary Ola cabs, cult.fit Live, BookMyShow, and TataCliQ vouchers on spends of over INR 80,000 every month
Users will get free credit liability cover of INR 9 Lakhs.
Forex charges at a lower rate of 2%.
Exclusive 24/7 concierge services.
Users will get unlimited domestic and international lounge access to 1000+ lounges in India and worldwide for primary and add-on card members.
Air accident insurance cover worth INR 2 crore.
Emergency overseas hospitalisation: INR 50 Lacs.
Users can avail travel insurance coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Users will get upto 25% off on select restaurants through the Good Food Trail program.
दोष
High annual fee.
Limited acceptance: Diners Club network is smaller than Visa or Mastercard, especially in smaller towns.
No free movie tickets.
पक्ष विपक्ष
Welcome Benefits
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
पुरस्कार प्रणाली
Reward System: Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users can get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
2%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Reward System: Users will get 5 reward points for spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users can get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Eligibility Criteria
The applicant must be an Indian citizen.
The applicant must be between 21 and 60 years of age if salaried, and between 21 and 65 years of age if self-employed.
The applicant must have a good credit history and no payment defaults.
The applicant must have a regular source of income.
The minimum income requirement for salaried individuals is INR 1.75 Lakh per month.
The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum
फ़ायदे
Great travel benefits.
Good cashback on dining on weekends.
Great value add benefits.
Great dining benefits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement (details on HDFC website).
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
सम्पर्क करने का विवरण
1800 202 6161
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will get 5 reward points on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends users will get 2x points on dining. Weekend dining credit card rate: 6.66%. 10x reward points on the purchase of Harley Davidson merchandise and services. Harley Davidson cashback rate: 33.33%.
Welcome Benefit: Swiggy One membership for 3 months, free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and free gift voucher by Harley-Davidson worth INR 2500.
Milestone Benefit: Complimentary Ola cabs, cult.fit Live, BookMyShow, and TataCliQ vouchers on spends of over INR 80,000 every month
Users will get free credit liability cover of INR 9 Lakhs.
Forex charges at a lower rate of 2%.
Exclusive 24/7 concierge services.
Users will get unlimited domestic and international lounge access to 1000+ lounges in India and worldwide for primary and add-on card members.
Air accident insurance cover worth INR 2 crore.
Emergency overseas hospitalisation: INR 50 Lacs.
Users can avail travel insurance coverage of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours).
Users will get upto 25% off on select restaurants through the Good Food Trail program.
High annual fee.
Limited acceptance: Diners Club network is smaller than Visa or Mastercard, especially in smaller towns.
No free movie tickets.
A fully loaded credit card. The only con of the card is its high eligibility criterion. One of the few cards in India that gives unlimited lounge visits.
HDFC H.O.G. Diners Club Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually).
Annual Fee: Rs. 10,000 + GST.
Foreign Currency Markup: 2% on all foreign currency transactions.
Cash Advance Fee: 2.5% of the amount withdrawn (minimum Rs. 500).
Late Payment Charges: Ranges from INR 100 to INR 1300
Reward Redemption Fee: INR 99.
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
ईंधन अधिशुक्ल
1%, waived off for transactions above INR 400. Max cashback INR 1000 per month.
Billing Cycle
30 Days