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

Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
Get 1 Reward Point for every Rs. 100 spent on all other spends
Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
Up to 50 days of interest-free period from the date of purchase
Revolving Credit available at a nominal interest rate
1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
Convert big spends into EMI after purchase
The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed

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

Complimentary access to Executive Lounges of IRTC
5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
Get 1 Reward Point for every Rs. 100 spent on all other spends

Cons