Unbiased In-Depth Review of HDFC H.O.G. Diners Club Credit Card: Features, Cons, Fees, Charges, and Eligibility

HDFC Bank has launched a number of credit cards in collaboration with unique partners such as HDFC Swiggy Credit Card, HDFC 6E Rewards Credit Card.

 HDFC H.O.G. Diners Club Credit Card Benefits

Most of the benefits of the card are suited for those individuals who travel and dine out a lot. We have mentioned the key benefits below:

Reward Points

Users get 5 reward point on spending INR 150. Value of 1 reward point = INR 1. General cashback rate 3.33%. On weekends cardholders will get 2x points on dining. Weekend dining credit card rate: 6.66%. Cardholders will get 10x reward points on purchase of Harley Davidson merchandise and services.  Harley Davidson cashback rate: 33.33%. 

Impressive Dining Benefits

Users can get up to 25% off on select restaurants through HDFC's Good Food Trail program.

Exceptional Travel Perks

This card goes the extra mile for travelers. It provides unlimited domestic and international lounge access to over 1,000 airport lounges globally through the Diners Club International network. Additionally, cardholders are entitled to complimentary travel insurance cover of up to INR 55,000 on baggage delay. (Capped to 10$ per hour restricted to 8 hours), complimentary emergency overseas hospitalisation upto INR 50 Lacs, complimentary air accident insurance cover worth INR 2 crore.

Welcome Benefits

Cardholders get Swiggy One membership for 3 months and users also get free annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and a free gift voucher by Harley-Davidson worth INR 2500.

Milestone Benefits

Cardholders get complimentary vouchers from Ola cabs, cult.fit Live, BookMyShow, TataCliQ on spends of over INR 80,000 every month.

Other Benefits

The card also offers forex charges at lower rate of 2% most other cards charge 3.5%. Free credit liability cover of INR 9 Lakhs. 

Things to Consider about HDFC H.O.G. Diners Club Credit Card

Limited Acceptance Internationally

Despite the Diners Club's wide reach, it does not have the same global acceptance as Visa and Mastercard. Travelers should plan accordingly to avoid issues when using their card abroad.

Stringent Income Requirements

To qualify for this card, HDFC typically requires a minimum salary of INR 1.75 Lakh per month. The minimum income requirement for self-employed individuals is ITR > INR 21 Lakhs per annum. This may restrict access for some potential applicants.

Understanding the Fees and Charges

Being aware of the fees associated with a credit card is crucial 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: Ranges 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

Applicants should be between 21 and 65 years of age.

Income Standards

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

Credit Score

A good credit history is vital for approval. HDFC typically requires a credit score of 750 or more for applicants to qualify.

Final Thoughts

The HDFC H.O.G. Diners Club Credit Card is a solid choice for those who enjoy dining and traveling. Its robust rewards program, dining discounts, and travel benefits make it an appealing option for maximizing expenditures. However, the limited acceptance of Diner's network and rigorous eligibility requirements mean that it's best suited for those who can make the most of its features.

By weighing the advantages and disadvantages, you can determine if the HDFC H.O.G. Diners Club Credit Card aligns with your financial habits and lifestyle.

Pro Tips:

• Maximize rewards by prioritizing spending in categories that earn higher points like dining and travel.

• Set reminders for payment due dates to avoid late fees and interest charges, ensuring that you fully benefit from your card.

You can read more detailed review of the card and its rating done by our expert here.

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