Fees & charges
| Joining fee | ₹10,000 + GST |
|---|---|
| Annual / renewal fee | ₹10,000 + GST |
| Renewal-fee waiver | ₹5 lakh spend in the card anniversary year |
| Network | DINERS Diners Club |
Rewards & benefits
| Reward rate | 5 Reward Points per ₹150 spent; 10X RP on SmartBuy and Harley-Davidson spends |
|---|---|
| Welcome benefit | On spending ₹1.5 lakh within first 90 days: Harley-Davidson gift card (~₹2,500) plus memberships (Swiggy One 3-mo, Club Marriott, MMT Black, Forbes, Amazon Prime) |
| Lounge access | Unlimited domestic + international lounge access (primary and add-on cardholders); Diners Club network |
| Key benefits | Premium Harley Owners Group co-brand: 10X rewards on Harley/SmartBuy, unlimited lounge access, and rich first-year welcome memberships |
Eligibility & status
| Eligibility / income | Salaried: age 21-60, net monthly income > ₹1,75,000; Self-employed: age 21-65, annual ITR > ₹21 lakh |
|---|---|
| Status note | not accepting new applications (sourcing stopped; existing cardholders retain benefits) |
⚠ HDFC's page stated limited detail for this card — verify the specifics on the official page before applying.
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) | Joining/ Renewal Membership Fee – ₹10,000/- + Applicable Taxes. | • |
| Fee waiver (min spend) | not listed in the MITC fee table (co-brand) | Get Renewal Fee waived off by spending ₹5 lakh during Card Anniversary year | • |
| Fuel surcharge waiver | not listed in the MITC fee table (co-brand) | 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max waiver of ₹1000 per statement cycle). | • |
| Forex markup | not listed in the MITC fee table (co-brand) | Foreign Currency Markup: Nominal 2% on all your foreign currency spends. | • |
| Reward rate | Not in MITC (product term) | Earn 5 Reward Points for every ₹ 150/- retail spent; Upto 10X Reward Points on spends via SmartBuy & 10X Reward Points on spends done on Harley-Davidson merchandise & services at Authorised Harley-Davidson dealers | • |
| Welcome benefit | Not in MITC | Complimentary Swiggy One membership of 3 months, annual memberships of Club Marriott, MMT Black, Amazon Prime, & Forbes and Gift Card by Harley-Davidson worth Rs.2500 as a Welcome Benefit by spending ₹1.5 lakhs in first 90 days of Card issuance ( TnC Apply ) | • |
| Lounge access | Not in MITC | Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members | • |
| Eligibility | Not in MITC | For Salaried Indian national — Age: Min 21 years & Max 60 Years, Net Monthly Income> ₹1,75,000. For Self Employed Indian national — Age: Min 21 years & Max 65 Years, Income: ITR > ₹21 Lakh per annum | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/ Renewal Membership Fee – ₹10,000/- + Applicable Taxes.
- Get Renewal Fee waived off by spending ₹5 lakh during Card Anniversary year
- 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max waiver of ₹1000 per statement cycle).
- Foreign Currency Markup: Nominal 2% on all your foreign currency spends.
- Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
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