HDFC Bank Harley-Davidson Diners Club Credit Card vs HDFC Bank Biz Black Credit Card

• Get 5X Reward Points on Swiggy and Zomato. You can earn a maximum of 2500 Reward Points every month
• Avail up to 10X Rewards on Booking flight tickets / stays across 150+ hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
• Interest Free Credit Period: Get up to 50 days of interest free credit period 
• Credit Liability Cover of Rs. 9 lakh
• Enjoy Foreign Currency Markup at a nominal 2% on all foreign currency spends
• Revolving Credit is available at a nominal interest rate
• Get 2 Complimentary Airport lounge access every calendar quarter worldwide for primary and add-on card members
• ‘Buy 1 Get 1 Free' offer on BookMyShow: Purchase 1 Ticket, and get another ticket free up to Rs. 250 per booking. This offer can be used maximum twice every month on minimum purchase of 2 tickets in a single transaction. It is valid only on Friday, Saturday and Sunday shows
• As a Milestone Benefit, avail Rs. 1,500 worth vouchers of Marriott Experience or Decathalon or Barbeque Nation or O2 Spa or Lakme Salon on spends of Rs. 1.5 lakhs in a calendar quarter
• Avail the option to convert big spends into EMI after purchase
• Accidental Air Death Cover worth Rs. 1 Crore
• Emergency overseas hospitalization up to Rs. 25 lakhs
• Travel Insurance Cover of up to Rs. 50,000 on baggage delay
• Credit Liability cover up to Rs. 9 Lakh
• Get 4 Reward Points for every Rs. 150 retail spends
• Earn 20 Reward Points on every Rs. 150 spends on Swiggy and Zomato
• Earn up to 10X Reward Points on Spends Via Smartbuy
• Avail up to 20% off on all restaurant bill payments via Swiggy Dineout. Choose from 20000 + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. It is valid only on payments done via the Swiggy App

• Welcome Benefit:

1. Get Club Marriott Annual Membership + Taj Stay voucher worth Rs. 5000 on spends of  Rs. 1.5 lakhs within first 90 days

2. Obtain up to 20% discounts for dining, stay and spa service with Club Marriott membership across Asia – Pacific region

• Milestone Benefit

1. Get SmartBuy Flight / Taj Stay Voucher worth Rs. 5000 on every Rs. 5 Lakhs spends. (On all retail spends excluding rent and petrol)

2. Avail vouchers worth Rs. 20,000 in calendar year (Rs. 20 Lakhs spends) 

• Renewal fee waived off if you spend Rs. 7.5 Lakhs and more in the previous year
• Spend Rs. 1.5 Lakhs in first 90 days of card issuance to get First Year Joining Fee waived off (Applicable for fresh issuance only)
• Save up to Rs. 4,40,780 annually on BizBlack Credit Card
• Up to 55 days Interest Free Credit Period
• Avail 5 Reward Points on every Rs. 150 spent for business needs 
• Earn 5X Reward Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei 

Note: 5X Reward Points applicable on minimum spends Rs. 50,000 in statement cycle

• Make GST payment using Business Credit Card
• Pay Income Tax/ Advance Tax using Business Credit Card
• Avail up to 40% savings on the Business travel and software purchase on smartbuy.hdfcbank.com/business  

1. Business Travel Benefits via MMT MyBiz :  

- 4% off on Flights and Hotels booking.

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation   

2. Business Productivity Tools via – Nuclei :  

-  Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit  

• Unlimited Domestic and International Airport lounge access to 1000+ Lounges for primary and add-on card members
• Unlimited Airport lounge access valid for only Active cardholders
• Enjoy complimentary golf games (6 per quarter) across the finest courses in the world along with 24x7 booking assistance by calling concierge
• Get 24-hour access to Golf Concierge Assistance services for booking/cancellation
• Customize business, travel and entertainment experiences with bank’s Global Concierge Assistance
• Diners Exclusive Benefit :

- Fast Track Airport Experience: Skip the line for check-in and receive baggage assistance

- Dining Delight: Exclusive dining offers, from gourmet cuisine to local delicacies

- Health & Wellness:  Get up to 15% off on Fitness membership, pharmacy purchases & more

- Small Medium Enterprise (SME): Boost Business with special offers on business producitivity tools, HR Solutions & more

• Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• SmartBuy: Get up to 10X Reward Points on Flipkart, MakeMyTrip, Apple Imagine Tresor, on SmartBuy
• SmartPay: SmartPay is an automatic payment facility available to pay the utility bills.  Get assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
• Convert big spends into EMI after purchase
• Choose EMI option for large online or in-store purchases using Biz Black Credit Card and avail easy repayments using Easy EMI
• Zero Lost card liability
• Credit liability cover: Rs. 9 lakh
• Business Insurance Benefit: Secure Business with specially curated Business Insurance package:

1. Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

a.  Fire & Burglary insurance for Shop up to Rs. 5 lakhs

b. Cash in Safe/Transit up to Rs. 25,000

c. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

d. Hospital Cash: Accident only amount payable per day up to Rs. 1000 

e. Hospital Cash: Illness only amount payable per day up to Rs.1000 

f. Also, Cardholders have the option to choose higher Business Insurance cover as per their Business need.

• Minimum of 2500 RP is needed to redeem Reward Points against statement balance
• Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit.
• Redeem up to 70% of product/Voucher value through Reward Points on select vouchers/products and pay the remaining amount via Credit card.  
• Unredeemed Reward Points will expire/lapse after 3 year of accumulation. 
• The maximum 1,50,000 Reward Points can be earned in a statement cycle
• 1% Fuel Surcharge Waiver

Pros

• Airport lounge access for both primary and add-on cardholders
• Good benefits related to movies and food
• Accidental Air Death Cover worth Rs. 1 Crore, Emergency overseas hospitalization up to Rs. 25 lakhs, and Travel Insurance Cover of up to Rs. 50,000 on baggage delay

Cons

• No Golf benefits
• No fuel benefits
• Although the card is centered around Harley Davidson, it doesn’t offer much benefits like accelerated Reward Points for purchases made at the motorcycle store

Pros

• Up to 5X Reward Points on card spends, including business expenses
• Extensive travel benefits like unlimited lounge access, accelerated rewards, discount offers and vouchers
• Lifestyle benefits like dining discounts, golf access and rewards and discounts on popular brands/platforms

Cons

• Spend-based condition on rewards on business spends and capping on monthly rewards earnings
• Due to the high joining fee, the card is only available to large businesses and enterprises
• No Reward Points are awarded for fuel, education, and rent payments