HDFC Bank H.O.G Diners Club Credit Card

5 points/₹150 eligible retail, valued at ₹1/point for SmartBuy travel.

How this estimate works

The H.O.G Diners Club card earns 5 reward points for every ₹150 of eligible retail spend. HDFC lists ₹1/point toward flights and hotels on SmartBuy, with points covering at most 70% of a booking and no more than 75,000 points redeemed per calendar month. This estimate assumes one eligible purchase monthly and enough future travel to use the points. Grocery points are capped at 2,000/calendar month; rent, government, fuel, EasyEMI and wallet loads are excluded. It deducts the ₹10,000 joining fee plus estimated GST. HDFC’s current most important terms exclude H.O.G from the generic ₹99 per-request reward redemption fee, so no such charge is deducted. The H.O.G reward PDF describes a 75,000-point statement-cycle earning cap for "Diners Black" within an H.O.G document; without clear H.O.G attribution, this model does not assert that earn cap. Harley dealer 10X, SmartBuy 10X, weekend dining 2X, welcome vouchers, lounges and the ₹5 lakh prior-year renewal waiver are omitted. A high point estimate needs matching travel and is not cash.

Issuer terms

Issuer card, earn and redemption · Issuer joining/renewal fees · Issuer reward limits

Terms checked 29 September 2026. SmartBuy travel redemption 75,000-point monthly cap and 70% booking limit apply; H.O.G fee exclusion checked.