Unbiased In-Depth Review of HDFC H.O.G. Diners Club Credit Card
- Abhijeet Saxena
- Oct 20, 2024
- 3 min read
Updated: 7 hours ago
HDFC H.O.G. Diners Club Credit Card Benefits
The majority of HDFC H.O.G. Diners Club Credit Card benefits of the card are oriented to the people who travel and eat out frequently. The main advantages have been listed as:
Reward Points
The shoppers are entitled to 5 reward points when they spend INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. Dining will earn 2X points on weekends for cardholders. The rate of dining credit cards on weekends 6.66%. The cardholders will receive 10x reward points on purchases of Harley-Davidson services and merchandise. Harley Davidson cashback: 33.33.
Impressive Dining Benefits
Under the Good Food Trail, HDFC offers users discounts of up to 25 per cent on specific restaurants.
Exceptional Travel Perks
This card takes an extra mile to travellers. It offers unrestricted access to the international and domestic lounges at more than 1000 airport lounges worldwide to the Diners Club International network. Moreover, cardholders will receive free travel insurance cover of up to INR 55000 on baggage delay. (Capped at 10$/hour limited to 8 hours) free emergency overseas hospitalisation up to INR 50 Lacs, free air accident insurance cover up to INR 2 crore.
Welcome Benefits
Swiggy One is available as a 3-month membership to cardholders, and users have a free 1-year membership of Club Marriott, MMT Black, Amazon Prime, and Forbes and a free gift voucher worth INR 2500 by Harley-Davidson.
Milestone Benefits
Ola cabs, cult. Fit Live, BookMyShow, and TataCliQ give their cardholders free vouchers after spending more than INR 80,000 monthly.
Other Benefits
Forex charges on the card are also provided at a lower rate of 2 percent most other cards charge 3.5 per cent. Free credit liability cover of INR 9 Lakhs.
Things to Consider about HDFC H.O.G. Diners Club Credit Card
Limited Acceptance Internationally
Although the Diners Club is very global, it lacks the universal acceptance as Visa and Mastercard. The travellers are advised to make advance plans to enable them to avoid problems using their card in a foreign country.
Stringent Income Requirements
HDFC usually asks an individual to have a minimum monthly salary of INR 1.75 Lakh to qualify for this card. The self-employed individuals have a minimum income requirement of ITR > INR 21 Lakhs per annum. This could be a limiting factor for other prospective applicants.
Understanding the Fees and Charges
It is essential to know the charges relating to a credit card before applying.
Annual Fee: Rs. 10,000 + GST.
Joining/Renewal Membership Fee: Rs. 10,000 + Applicable Taxes (annually)
Foreign Currency Markup: 2% on all foreign currency transactions.
Cash Advance Fee: 2.5% of the amount withdrawn (minimum Rs. 500).
Late Payment Charges: Range from INR 100 to INR 1300
Reward Redemption Fee: INR 99
Interest Rate: 3.6% per month (i.e., 43.2% per annum).
Essential Eligibility Criteria
Before applying for the HDFC H.O.G. Diners Club Credit Card, ensure you meet the following criteria:
Age Requirements
The age of applicants ought to be 21-65 years.
Income Standards
The minimum salary needed by the salaried person is INR 1.75 Lakh per month. The minimum salary needed by a self-employed person is ITR > INR 21 Lakhs per annum.
Credit Score
An excellent credit record is essential for approval. The applicants must have a credit score of 750 and above to be eligible at HDFC.
Final Thoughts
The HDFC H.O.G. Diners Club Credit Card is a good option to consider when one likes eating out and travelling. Its strong rewards system, dining benefit, and travel benefits are some of the advantages of this program that make it an attractive option iforn maximising expenses. The fact that not many people embrace the network of Diner and its strict criteria of eligibility, however, makes it more appropriate for those who will be able to use its possibilities to the fullest.
It is by balancing the pros and cons that you will be able to decide whether the HDFC H.O.G. Diners Club Credit Card suits your financial habits and lifestyle.
Pro Tips:
Make the best out of it by allocating more money to areas that receive more points, such as dining and travelling.
Have a reminder of the day of payment due to eliminate late carges, and other interest payments, so that you can maximise your card.
You can read a more detailed review of the card and its rating done by our expert here.
Download the MyRupaya App
Compare, choose, and discover all the best offers on credit cards in India — all in one place
Comments