HDFC Bank H.O.G Diners Club Credit Card​ vs BPCL SBI Card OCTANE

• Milestone Benefit: You can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cab vouchers worth Rs. 500 every month on minimum spends of Rs. 80,000 
• Travel: Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
• Spend benefit at Harley-Davidson authorized dealers: Get 10X Reward Points on purchase of Harley-Davidson merchandise and services
• Up to 50 days of interest free credit period from the date of purchase
• Enjoy Dining Privileges by getting 2X on weekend Dining 
• Credit Liability Cover Rs. 9 lakh
• Foreign Currency Markup: Nominal 2% on all foreign currency spends
• Revolving Credit is available at a nominal interest rate
• Unlimited Airport lounge access in India and worldwide for primary and add-on card members
• Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
• Avail the option to convert big spends into EMI after purchase
• Contactless payment enabled
• Accidental Air Death Cover worth Rs. 2 Crore
• Emergency overseas hospitalization: up to Rs. 50 lakhs
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay
• Credit Liability cover up to Rs. 9 Lakh
• Avail 5 Reward Points for every Rs. 150 retail spends
• Avail up to 10X Reward Points on spends via SmartBuy and 10X Reward Points on spends done on Harley-Davidson merchandise and services at Authorized Harley-Davidson dealers
• Avail amazing dining benefits with Good Food Trail program by getting up to 25% savings off on all restaurant bill payments via Swiggy Dineout that includes 20k + restaurants. Offer is inclusive of Restaurant and Swiggy Discount and is valid only on payments done Swiggy App

• As a Welcome Girft, avail 6000 bonus reward points equivalent to Rs. 1500 on payment of annual fees. The Reward Points will be credited to the card holders account within 30 days of annual fee payment
• Spend Based fee reversal benefit - Next year Fee waiver on annual spends of 2 lakhs
• Get 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
• 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs. 4000 (exclusive of GST and other charges)
• Avail 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spend
• Get 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
• Earn 1 Reward point per Rs. 100 spent on other retail purchases
• Avail 25 Reward Points on every Rs. 100 spent on Bharat Gas (Website and app only) is capped at 500 Reward Points per billing cycle
• 4 Reward Point = Rs. 1
• 1% fuel surcharge across all BPCL petrol pumps in India. This is applicable on transactions up to Rs. 4,000, exclusive of GST and other charges. Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
• 4 complimentary visits per calendar year to Domestic VISA lounges in India (Max. 1 visit per quarter)
•  Obtain eGift Vouchers worth Rs. 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of Rs. 3 Lakhs. The Aditya Birla Fashion voucher is redeemable at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
• Complimentary Fraud Liability cover of 1 Lakh
• Instant Redemption of Reward Points at select BPCL petrol pumps
• Redeem your Rewards Points at Shop & Smile Rewards Catalogue
•  BPCL SBI Card OCTANE can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer the outstanding balance of other banks’ credit cards to BPCL SBI Card OCTANE, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using BPCL SBI Card OCTANE 

Pros

• Unlimited Airport lounge access in India and worldwide for primary and add-on card members
• Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
• Spend benefit at Harley-Davidson authorized dealers

Cons

• No golf benefits
• No cashback offers

Pros

• 10X reward points across dining, movies, groceries and departmental stores
• Complimentary domestic lounge visits every year
• 6,000 bonus reward points worth the joining fee

Cons

• Fuel benefits are limited to only BPCL outlets
• No golf benefits
• No cashback benefits