HDFC Bank Harley-Davidson Diners Club Credit Card

4 points/₹150 retail and 5X Swiggy/Zomato, valued for SmartBuy travel.

How this estimate works

The Harley-Davidson Diners Club card earns 4 points per ₹150 eligible retail purchase. Direct Swiggy/Zomato food orders can earn 20 points per ₹150, with only the incremental 16-point component capped at 2,500 points/calendar month. The bonus requires qualifying merchant identity, MCC, a settled transaction and direct card payment; wallet payments do not qualify. This model assumes one eligible purchase monthly and values all projected points at ₹0.50 each only toward future HDFC SmartBuy flight/hotel bookings, assuming enough travel. It deducts ₹99 plus estimated GST per needed reward redemption request, conservatively grouping at most 50,000 points per request, and the ₹2,500 joining fee plus estimated GST separately. At high spend, actual travel booking availability and redemption limits can make realized value lower. Groceries, utilities, fuel and special categories are unvalued where terms or net fees are unclear. SmartBuy accelerated earning, movie buy-one-get-one, welcome memberships and Harley voucher, lounges and the ₹3 lakh prior-year renewal waiver are omitted. The issuer’s card page displays conflicting "up to 2,500 points each month" shorthand next to detailed terms that apply the 2,500 cap specifically to the additional 4X food-order component; this model follows the detailed terms. This is travel-use value, not cash.

Issuer terms

Issuer card, earn and redemption · Issuer joining/renewal fees · Issuer food bonus terms

Terms checked 29 September 2026. SmartBuy travel value assumes enough bookings and one redemption; 5X food terms apply.