American Express® Platinum Card vs HDFC Bank Harley-Davidson Diners Club Credit Card

Joining Fees

₹60,000

₹2,500

Editor's Rating

4.6

3.7

Key Features

  • Earn 1,00,000 Welcome Bonus Membership Rewards® Points
  • Benefits worth Rs. 37,000 every time one book at one of the 1000+ properties under the Fine Hotels & Resorts collection. Get 25% off at Taj, SeleQtions and Vivanta Hotels
  • REMAIN PROTECTED WITH BENEFITS UP TO Rs. 20,000 BY AVAILING:

A. Air Accident Insurance

B. Overseas Medical Insurance

C. Purchase Protection

D. Wallet Protection

  • 24X7 CONCIERGE SERVICE
  • Access over 1,200 Airport Lounges globally that includes the following:

1. The Centurion® Lounge

2. American Express Lounges

3. Priority Pass™ Lounges

4. Delta Sky Club® Lounges when flying Delta

5. Escape Lounges 6. Domestic Partner Lounges in India

  • Avail exclusive deals on airlines such as Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, KLM, Delta Airlines and more
  • Complimentary benefits worth Rs. 37,000 at the iconic 5-star properties, which includes guaranteed 4 pm late check-out, room upgrades at check-in when available, daily breakfast for two, WiFi or a special amenity at each property worth US$100. Hotels included are Four Seasons Hotels & Resorts, Mandarin Oriental, The Ritz-Carlton and many more
  • Upgrades to Elite Tier Memberships: Taj InnerCircle Silver Tier, Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Radisson Rewards Gold Status, Hertz Gold Plus Rewards
  • For death due to air accident, get Coverage of Rs. 5 Cr, for loss of checked-in baggage, passport or documents., get coverage of Rs. 50,000, and avail complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of a trip
  • Avail 3X Membership Reward points on everything, every time you spend abroad
  • Access VIP-only events, pre-sale tickets and best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon and more
  • Access favourite restaurants around the world such as Hakkasan London, Zuma Rome, Nobu New York, Cipriani Dubai and many more
  • Enjoy access to Platinum Fine Dining at restaurants in Delhi/NCR, Mumbai, Bengaluru, Chennai, Kolkata and other cities. Enjoy meals with a glass of wine and/or dessert at restaurants like Masala Bay, Spicy Duck, The Lodhi, Vetro and Enoteca etc
  • Up to 50% off at over 1800 premium restaurants in India with a complimentary membership to EazyDiner Prime. Other privileges include a complimentary drink, preferential reservations & a 24X7 VIP helpline
  • Complimentary access to more than 30+ golf courses across India
  • 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

Editor's Review

Pros

  • Healthcare Offers are as follows:

1. Up to 20% off on health check-ups, OPD Consultation, dental treatments

2. Discounted stays at villas with wellness experiences

3. 20% off on skincare & beauty products

4. 15% off on pharmacy 

5. Special discounts on spa services at Atmamtan Spa, O2, Tattva

  • Hype Luxury Car Rentals Offers Earn: Avail benefits worth up to Rs. 90,000 annually
  • Fraud protection worth Rs. 15 Lakh and Emergency Hotel and Travel Assistance up to Rs. 2 Lakh and emergency cash in India

Cons

  • Extremely high Annual Fee with no first-year waiver
  • High minimum payment
  • Variable APR/Interest Rates

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


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