HDFC Bank Harley-Davidson Diners Club Credit Card vs IndiGo IDFC FIRST Dual 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

Option 1 (With Fees): 

• Joining fee: Rs.: 4,999 + GST
• Welcome Benefits of 8,000 BluChips

- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment

- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days

• Complimentary 3 Month EazyDiner Membership

• Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem Your BluChips: Use the BluChips for IndiGo Flights

Option 2 (With FD):

• Free for the first year with min Rs. 1 Lakh FD
• Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
• Assured approval - Fixed deposit backed card and no credit history needed
• Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier)

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights

Mastercard World Privileges:

• Seamless online & POS transactions globally
• Exclusive travel and dining benefits
• 4 complimentary golf rounds and 12 complimentary golf lessons every year

RuPay Privileges:

• Seamless online, POS & UPI QR transactions in India
• Scan and pay at 60Mn+ merchants
• Enjoy exclusive discounts on the RuPay network

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

• IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
• 4 complimentary golf rounds and 12 complimentary golf lessons every year
• Enjoy exclusive discounts on the RuPay network

Cons

• No complimentary airport lounge access although being a travel card
• No lifestyle benefits on non-travel spending categories
• No complimentary BluChip is offered along with the card