Compare HDFC Bank Harley-Davidson Diners Club Credit Card vs HDFC Moneyback 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

You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

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

Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons