Fees & charges
| Joining fee | ₹2,500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹2,500 + applicable taxes (Joining/Renewal Membership Fee) |
| Renewal-fee waiver | ₹3 lakh spend during the card anniversary year |
| Network | DINERS Diners Club (International) |
Rewards & benefits
| Reward rate | 4 Reward Points per ₹150 retail spend; 5X RP (20 RP per ₹150) on Swiggy & Zomato; up to 10X RP via SmartBuy. Max 2,500 RP/month. |
|---|---|
| Welcome benefit | Annual memberships of Swiggy One & Times Prime, plus a Harley-Davidson Gift Card worth ₹750 on spending ₹75,000 within the first 90 days of card issuance (T&C apply) |
| Lounge access | 2 complimentary airport lounge accesses worldwide (domestic & international) for primary and add-on card members |
| Key benefits | Premium lifestyle co-brand card for Harley enthusiasts: 5X on Swiggy/Zomato, up to 10X on SmartBuy, quarterly milestone vouchers (₹1,500 on ₹1.5L/quarter), fuel surcharge waiver, and worldwide lounge access. |
Eligibility & status
| Eligibility / income | Salaried: age 21-60, net monthly income over ₹35,000. Self-employed: age 21-65, annual ITR exceeding ₹6 lakh. |
|---|---|
| Status note | Not stated on HDFC's page |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | not listed in the MITC fee table (co-brand) | ₹2,500 + applicable taxes | • |
| Fee waiver (min spend) | not listed in the MITC fee table (co-brand) | ₹3 lakh spend during the card anniversary year | • |
| Fuel surcharge waiver | not listed in the MITC fee table (co-brand) | Fuel surcharge waiver applicable (specific rate/cap NOT STATED in recorded detail) | • |
| Forex markup | not listed in the MITC fee table (co-brand) | NOT STATED | |
| Reward rate | Not in MITC (product term) | 4 Reward Points per ₹150 retail spend; 5X RP (20 RP per ₹150) on Swiggy & Zomato; up to 10X RP via SmartBuy. Max 2,500 RP/month. | • |
| Welcome benefit | Not in MITC | Annual memberships of Swiggy One & Times Prime, plus a Harley-Davidson Gift Card worth ₹750 on spending ₹75,000 within the first 90 days of card issuance (T&C apply) | • |
| Lounge access | Not in MITC | 2 complimentary airport lounge accesses worldwide (domestic & international) for primary and add-on card members | • |
| Eligibility | Not in MITC | Salaried: age 21-60, net monthly income over ₹35,000. Self-employed: age 21-65, annual ITR exceeding ₹6 lakh. | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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