Citi Rewards Credit Card vs HDFC Bank H.O.G Diners Club Credit Card​

• Earn minimum 1 reward point for every 125 on all purchases
• Gain 10X reward points at online, physical department, and apparel stores
• Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
• You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
• Instant Loans

• 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

Pros

• Get rewarded every time you shop
• Redeem Miles instantly via SMS against purchases at leading brands
• Turn big purchases into small payments

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge access

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