IndusInd Bank EazyDiner Credit Card

Name: IndusInd Bank EazyDiner Credit Card
Brand: IndusInd Bank
Price: 2999 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The IndusInd Bank EazyDiner Credit Card is a Visa Platinum co-branded card that puts dining at the center of its reward structure. Issued in partnership with EazyDiner, India’s leading restaurant discovery and booking platform, it bundles a 12-month EazyDiner Prime membership (worth ₹3,550) into the ₹2,999 joining fee. Prime members get a guaranteed 25% to 50% off at more than 2,000 premium restaurants and bars across India.The standout dining benefit is an extra 25% discount (up to ₹1,000 per transaction) when paying through the EazyDiner app. Monthly savings reach ₹2,000 without any spending condition. If you spend ₹30,000 on non-dining transactions in the previous month, you unlock an additional ₹3,000 in dining discounts, pushing the monthly cap to ₹5,000. Complimentary premium drinks at over 200 select restaurants add further value for regular diners.On the rewards side, the card earns 10 points per ₹100 on hotel bookings, travel, shopping, and entertainment. Other purchases earn 4 points per ₹100 (except fuel and dining). Points can be redeemed instantly against restaurant bills through PayEazy or exchanged for hotel stays and exclusive events. Note that points expire after 12 months, making regular redemption important.At ₹2,999 annually with no fee waiver, the card works best for frequent diners who regularly use the EazyDiner app. Someone eating out twice monthly could save over ₹20,000 per year in dining discounts, far exceeding the annual cost. For occasional diners or those preferring to pay with the physical card, the benefits become harder to justify.

Pros

↑Welcome package worth over ₹11,000 (Prime membership ₹3,550 + hotel voucher ₹7,500 + 2,000 EazyPoints) exceeds the ₹2,999 joining fee by a large margin
↑Up to ₹5,000 in monthly dining discounts through the EazyDiner app, with ₹2,000 available automatically and no spending condition required
↑10 reward points per ₹100 on travel, shopping, and entertainment puts it among the highest base earn rates for a Platinum-tier card
↑Complimentary premium alcoholic beverages at over 200 select restaurants for every diner at the table, not just the cardholder
↑Reward points can be redeemed instantly against restaurant bills through PayEazy, giving immediate and tangible value at the point of dining

Cons

↓Annual fee of ₹2,999 has no spend-based waiver, so you pay it every year regardless of how much you use the card
↓The extra 25% dining discount only works when paying through the EazyDiner app, not when swiping the physical card at restaurants
↓No airport lounge access at all, a notable gap when most cards costing ₹2,000 or more include at least domestic lounge visits
↓Reward points expire after just 12 months from the date of issue, shorter than the 2 to 3 year validity typical on competing cards

Key Highlights

Welcome Offer
₹11,050+ in welcome benefits
12-month EazyDiner Prime membership worth ₹3,550
2,000 welcome bonus EazyPoints
The Postcard Hotel stay voucher worth ₹7,500
Guaranteed 25% to 50% off at 2,000+ restaurants

Reward Rate
10 points per ₹100 on select categories
10 points per ₹100 on travel, shopping, entertainment
4 points per ₹100 on other spends
No points on fuel and dining
3X EazyPoints on EazyDiner bookings
Points valid for 12 months only

Minimum Salary
₹25,000/month (salaried)
Salaried: ₹25,000/month
Self-employed: ₹3,00,000/year
Age: 21 to 65 years
Indian citizen

Joining Fee
₹2,999 (includes EazyDiner Prime)
Joining fee: ₹2,999
Card fee per MITC: Nil
Includes 12-month EazyDiner Prime membership worth ₹3,550
2,000 welcome EazyPoints
₹7,500 Postcard Hotel voucher

Annual Fee
₹2,999 (no waiver, renews Prime)
Annual fee: ₹2,999
No spend-based waiver available
Payment renews EazyDiner Prime membership
Also renews 2,000 EazyPoints and ₹7,500 hotel voucher

Why Choose?
Up to ₹5,000 monthly dining savings
25% to 50% off with EazyDiner Prime at 2,000+ restaurants
Extra 25% off (up to ₹1,000) per transaction on EazyDiner App
₹2,000 monthly cap without spend condition
Spend ₹30,000 non-dining to unlock ₹3,000 more
Complimentary premium drinks at 200+ restaurants

Key Benefits

Dining

★4.5

▼

EazyDiner Prime: 25% to 50% off at 2,000+ premium restaurants
Extra 25% off up to ₹1,000 per transaction via EazyDiner App
Monthly discount cap: ₹2,000 (no condition), up to ₹5,000 (with ₹30K non-dining spend)
Complimentary premium alcoholic beverages at 200+ restaurants
Instant reward point redemption against restaurant bills

Fuel

★2.5

▼

1% surcharge waiver on transactions between ₹400 and ₹4,000
Applicable at all fuel stations in India
GST on fuel surcharge borne by the cardholder
No reward points on fuel transactions

Lifestyle

★4.0

▼

12-month EazyDiner Prime membership worth ₹3,550
Complimentary premium drinks at 200+ select restaurants
The Postcard Hotel stay voucher worth ₹7,500
Access to exclusive EazyEvents through EazyDiner

Reward Points

★3.5

▼

10 points per ₹100 on travel, shopping, entertainment
4 points per ₹100 on other spends (except fuel and dining)
3X EazyPoints through EazyDiner bookings
Points valid for 12 months only
Redeem instantly against restaurant bills or for hotel stays

Shopping

★3.0

▼

10 reward points per ₹100 on shopping and entertainment
Points redeemable for hotel stays, meals, and events
No dedicated shopping portal or merchant tie-ups beyond EazyDiner

Merchant Offers

▼

EazyDiner Prime: 25% to 50% off at 2,000+ restaurants
Extra 25% off via EazyDiner App PayEazy
The Postcard Hotel voucher worth ₹7,500
3X EazyPoints on EazyDiner bookings

Travel

★2.5

▼

The Postcard Hotel stay voucher worth ₹7,500
10 reward points per ₹100 on hotel and travel bookings
No airport lounge access
No travel insurance

Liability Protection

▼

Total Protect fraud insurance cover up to credit limit
Covers unauthorized transactions 48 hours before loss reported
Counterfeit card protection
Available on add-on cards as well

Insurance

▼

Total Protect lost/stolen card insurance within geographical limit
Coverage starts from date of credit card setup
Select variants may include complimentary insurance
No personal accident or travel insurance

Emi

▼

EMI conversion available on eligible purchases
Tenure and rates depend on transaction amount and account standing

Detailed Information

Joining Fee	₹2,999 (includes EazyDiner Prime membership)
Annual Fee	₹2,999 (includes Prime renewal)
Annual Fee Waiver	No spend-based waiver available
Monthly Percentage Rate	3.83%
Annual Percentage Rate	46%
Minimum Monthly Payment	5% of outstanding or ₹500, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil to ₹1,300 based on outstanding slab
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	Not specified
Fee For Supplementary Card	Not specified
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement (beyond last 3 months)
Fee For Cheque Bounce	₹250

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹3 lakh (₹25,000/month)
Minimum Annual Income Self Employed	₹3 lakh/year
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹2,999. This includes a 12-month EazyDiner Prime membership worth ₹3,550, 2,000 welcome bonus EazyPoints, and a Postcard Hotel stay voucher worth ₹7,500. The welcome package value exceeds the joining fee significantly.

The annual fee is ₹2,999 with no spend-based waiver available. Payment of the renewal fee renews your 12-month EazyDiner Prime membership, adds 2,000 bonus EazyPoints, and provides a fresh ₹7,500 Postcard Hotel voucher.

You receive a 12-month EazyDiner Prime membership (worth ₹3,550), 2,000 welcome bonus EazyPoints, and a Postcard Hotel stay voucher worth ₹7,500. Prime membership gives guaranteed 25% to 50% off at over 2,000 premium restaurants and bars across India.

EazyDiner Prime activates when you receive the card and lasts 12 months. It gives guaranteed 25% to 50% off at over 2,000 premium restaurants and bars. You also get 3X EazyPoints on bookings, free hotel stays, free meals, and access to exclusive EazyEvents. The membership renews automatically when you pay the annual fee.

When you dine at a restaurant and pay through the EazyDiner app using PayEazy, you get an extra 25% off up to ₹1,000 per transaction. This discount applies on top of the Prime membership discount. It does not apply when you pay with the physical card at the restaurant or through any other payment method like UPI or wallets.

Without any spending condition, you can save up to ₹2,000 per month in dining discounts through the EazyDiner app. If you spend ₹30,000 on non-dining transactions in the previous calendar month, you unlock an additional ₹3,000 in discounts. The total monthly dining discount cap is ₹5,000.

Hotel bookings, travel, shopping, and entertainment earn 10 reward points per ₹100 spent. All other purchases earn 4 points per ₹100, except fuel and dining which earn nothing. Using the card through the EazyDiner app also earns 3X EazyPoints. Points are earned only on spends up to your assigned credit limit per statement cycle.

Reward points are valid for 12 months from the date of issue. This is shorter than most competing cards which typically allow 2 to 3 years. Regular redemption is important to avoid losing accumulated points.

Points can be redeemed instantly against restaurant bills when paying through PayEazy on the EazyDiner app. You can also redeem EazyPoints for free hotel stays, free meals, and exclusive restaurant events through the EazyDiner redemption catalogue.

Every diner at your table gets one complimentary premium alcoholic beverage at over 200 select restaurants. You can find participating restaurants using the 'Free Drink' filter on the EazyDiner app. The specific brand and serving size are at each restaurant's discretion. The booking must be made through the EazyDiner app.

No. This card does not include any domestic or international airport lounge access. If lounge access is important, consider IndusInd's higher-tier cards such as the Legend or Pinnacle, or other issuers' cards at similar price points.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at all fuel stations in India. GST on the fuel surcharge is borne by the cardholder. Fuel transactions do not earn reward points.

The interest rate is 3.83% per month, which translates to 46% per year. Interest applies on any balance not paid in full by the due date. Paying your full statement balance each month avoids interest charges entirely. The interest-free period is up to 50 days when the total amount due is paid in full.

A 3.5% foreign currency markup applies on all international transactions. If Dynamic Currency Conversion (DCC) is used at international merchants, a separate 1% markup plus taxes also applies. For frequent international spending, a dedicated travel or forex card typically charges 1.5% to 2%.

The minimum payment is 5% of the total amount due or ₹500, whichever is higher. Paying only the minimum avoids late payment fees but triggers interest on the remaining balance from the transaction date.

Late fees depend on your outstanding balance: nil up to ₹100, ₹100 for ₹101 to ₹500, ₹350 for ₹501 to ₹1,000, ₹550 for ₹1,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 above ₹50,000.

Cash advances carry a fee of 2.5% of the withdrawn amount (minimum ₹300). Interest at 3.83% per month starts from the withdrawal date with no interest-free period. This makes ATM cash withdrawal one of the most expensive ways to use the card.

Total Protect covers unauthorized transactions if your card is lost or stolen, including transactions up to 48 hours before you report the loss to IndusInd Bank. It also covers counterfeit fraud where card details are stolen and used on a fake card. The cover equals your credit limit and extends to add-on cards.

Apply online through the IndusInd Bank website. Enter your basic details, the bank will check eligibility and present the best available option, then sign digitally and complete instant video KYC to receive your card. The process is fully digital with no physical documents to submit.

The card is issued on the Visa Platinum network. It can be used at any Visa-accepting merchant worldwide, both in-store and online. The card also supports contactless tap-and-pay for quick and secure transactions at enabled terminals.

Overview

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Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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