Name: IndusInd Bank EazyDiner Platinum Credit Card
Brand: IndusInd Bank
Availability: InStock
Rating: 3 (1 reviews)

Question 1

Is there a joining fee for the IndusInd EazyDiner Platinum Credit Card?

Accepted Answer

No. The IndusInd EazyDiner Platinum Credit Card is a life-time free (LTF) card with no joining fee at all. You also get a 3-month EazyDiner Prime membership worth ₹1,095 and 500 welcome EazyPoints at zero cost.

Question 2

Is there an annual fee for the EazyDiner IndusInd Bank Platinum Credit Card?

Accepted Answer

No. This is a life-time free card with no annual fee. There is no spend-based waiver condition either. The card remains free for the entire duration you hold it.

Question 3

What welcome benefits come with the EazyDiner IndusInd Bank Platinum Credit Card?

Accepted Answer

On activation you receive a 3-month EazyDiner Prime membership worth ₹1,095 and 500 welcome bonus EazyPoints. The Prime membership gives you guaranteed 25% to 50% off at over 2,000 premium restaurants and bars, plus access to 2X EazyPoints and the ability to redeem points for free hotel stays and meals.

Question 4

How do reward points work on the EazyDiner IndusInd Bank Platinum Credit Card?

Accepted Answer

Retail purchases earn 2 reward points per ₹100. Insurance, rent, utility, and government payments earn 0.7 points per ₹100. Fuel transactions earn no points. Points accumulate only up to your assigned credit limit in each statement cycle. You also earn 2X EazyPoints when using the card on the EazyDiner platform.

Question 5

Which purchases on this card do not earn reward points?

Accepted Answer

Fuel transactions earn zero points. Cash advances, EMI conversions, balance transfers, fee payments, and penalty charges (interest, late fees) are also excluded. Insurance, rent, utility, and government payments earn at a reduced rate of 0.7 points per ₹100 instead of the standard 2 points.

Question 6

How long are reward points valid on the EazyDiner IndusInd Bank card?

Accepted Answer

Reward points expire 12 months from the date of issue. This is shorter than the 2 to 3 year expiry window on most competing credit cards. It is important to redeem points regularly, especially via PayEazy against restaurant bills or through the EazyDiner app catalogue, to avoid losing accumulated value.

Question 7

What is EazyDiner Prime and how do I get it with this card?

Accepted Answer

EazyDiner Prime is a paid dining membership program (normally ₹1,095 for 3 months) that gives guaranteed 25% to 50% off at over 2,000 premium restaurants and bars in India. It also unlocks 2X EazyPoints on the platform and the ability to redeem points for free luxury hotel stays and meals. You get 3 months free on card activation, and it renews for another 3 months each time you spend ₹30,000 within a 90-day period.

Question 8

How does the extra 20% PayEazy discount work?

Accepted Answer

When you dine at a restaurant and pay through the EazyDiner app via PayEazy using your EazyDiner IndusInd Bank Platinum Credit Card, you get an extra 20% off capped at ₹500 per transaction. This benefit is available up to 3 times per calendar month. The discount is auto-applied with no promo code needed. It does not apply if you swipe the physical card at the restaurant or use any other payment method. Consecutive transactions at the same restaurant within 120 minutes are not eligible.

Question 9

How does the 90-day milestone bonus work?

Accepted Answer

Spending ₹30,000 within any 90-day period earns you 2,000 bonus reward points. Dining spends are excluded from this calculation, so you need ₹30,000 in non-dining purchases to qualify. The same ₹30,000/90-day threshold also triggers a 3-month renewal of your EazyDiner Prime membership, so you get both benefits from a single spend target.

Question 10

How do I renew my EazyDiner Prime membership through this card?

Accepted Answer

Your Prime membership renews for 3 months each time you spend ₹30,000 within a 90-day window. If you do not meet this threshold, the Prime membership lapses and you lose access to the 25% to 50% restaurant discounts and 2X EazyPoints until the next renewal. Regular monthly spending of about ₹10,000 on non-dining categories should keep Prime active continuously.

Question 11

Does the EazyDiner IndusInd Bank Platinum Credit Card include airport lounge access?

Accepted Answer

No. This card does not include complimentary domestic or international airport lounge access. It is a dining-focused card, and travel perks are not part of the benefit set. If airport lounge access is important to you, consider IndusInd Bank's Legend or Pioneer cards, or cards from other issuers that include lounge visits.

Question 12

How does the fuel surcharge waiver work on the EazyDiner IndusInd card?

Accepted Answer

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at all fuel stations across India. GST on the fuel surcharge is not waived and must be borne by the cardholder. IndusInd Bank reserves the right to cap the maximum value or number of fuel transactions eligible for the waiver in any given month. Fuel transactions do not earn reward points.

Question 13

What is Total Protect on the EazyDiner IndusInd Bank card?

Accepted Answer

Total Protect is a complimentary fraud protection program that covers unauthorised transactions on your card up to the full credit limit. It protects against two scenarios: unauthorised use in case of card loss or theft (with coverage for up to 48 hours before you report the loss to IndusInd Bank), and counterfeit fraud where your card details are stolen and used on fake plastic. The protection extends to add-on cards as well.

Question 14

Can I use the EazyDiner IndusInd Bank Platinum card for international purchases?

Accepted Answer

Yes. The card works on the Visa network at any Visa-accepting merchant worldwide. A 3.5% foreign currency markup applies on all international transactions. International purchases earn reward points at the same rate as domestic retail (2 per ₹100). There is no international lounge access or travel insurance with this card.

Question 15

What interest rate does the EazyDiner IndusInd card charge on unpaid balances?

Accepted Answer

The finance charge is 3.83% per month (46% per year). Interest applies if the total amount due is not paid in full by the payment due date. You get an interest-free period of up to 50 days when you pay the full statement balance on time. Cash advances start accruing interest from the date of withdrawal with no grace period.

Question 16

What are the late payment charges on this card?

Accepted Answer

Late payment charges depend on your outstanding balance. Up to ₹100 outstanding: nil. ₹101 to ₹500: ₹100. ₹501 to ₹1,000: ₹350. ₹1,001 to ₹10,000: ₹550. ₹10,001 to ₹25,000: ₹800. ₹25,001 to ₹50,000: ₹1,100. Above ₹50,000: ₹1,300. IndusInd Bank allows a 3-day grace period from the payment due date before reporting the account as past due.

Question 17

How do I apply for the IndusInd EazyDiner Platinum Credit Card?

Accepted Answer

Apply online through the IndusInd Bank website in three steps: enter your basic details, wait for the bank to fetch the best available card variant for you, then sign digitally and complete instant video KYC. You will need a PAN card, Aadhaar, and income proof. Existing IndusInd Bank customers may find pre-approved card options in their IndusMobile app or IndusNet internet banking.

Question 18

What is the minimum payment due each month on the EazyDiner IndusInd card?

Accepted Answer

The minimum amount due is 5% of the total amount outstanding, or a higher amount as determined by IndusInd Bank. Paying only the minimum each month avoids late fees but triggers the 3.83% monthly interest charge on the remaining balance. At that rate, a ₹10,000 purchase would take roughly 38 months to pay off if only the minimum is paid each cycle.

Question 19

Where can I redeem EazyPoints earned on this card?

Accepted Answer

You can redeem reward points instantly against restaurant bills by paying via PayEazy on the EazyDiner app. The EazyDiner redemption catalogue also lets you redeem EazyPoints for free luxury hotel stays, free meals, and exclusive restaurant events across the country. Each reward point has a value of approximately ₹0.20 when redeemed against dining bills.

Question 20

What happens to my EazyDiner Prime if I do not meet the spend threshold?

Accepted Answer

If you do not spend ₹30,000 within a 90-day period, your Prime membership lapses at the end of that cycle. You lose the 25% to 50% restaurant discounts, 2X EazyPoints, and access to free hotel stay redemptions until the next time you hit the ₹30,000 threshold. The card itself remains active and you continue earning base reward points on all eligible transactions.

Question 21

Does the EazyDiner IndusInd card come with contactless payments?

Accepted Answer

Yes. The card supports contactless tap-and-pay at any merchant terminal that accepts contactless Visa payments. It also works at all standard card-accepting terminals through chip insert or swipe. The card can be used at over 10 lakh merchant outlets in India and over 30 million outlets worldwide.

Question 22

What does IndusInd Bank charge for cash advances on this card?

Accepted Answer

Cash advances carry a fee of 2.5% of the withdrawn amount (minimum ₹300). Interest of 3.83% per month starts from the date of withdrawal with no interest-free period. Cash payment at an IndusInd Bank branch incurs a separate ₹100 charge. Balance enquiries at non-IndusInd ATMs cost ₹25 each.

Question 23

What is the foreign currency markup on this card?

Accepted Answer

The foreign currency markup is 3.5% on all international transactions. Dynamic Currency Conversion (DCC) at international merchants carries an additional 1% markup fee plus taxes. If international spending is a priority, dedicated forex or travel cards from other issuers typically charge 1.5% to 2%.

Question 24

How do I contact IndusInd Bank for help with my EazyDiner credit card?

Accepted Answer

Call the 24-hour phone banking number at 1860 267 7777. You can also email premium.care@indusind.com or write to IndusInd Bank Ltd. (Credit Cards Division), PO Box 9421, Chakala, MIDC, Andheri East, Mumbai 400093. For unresolved grievances, escalate to Head Card Services at head.cardservices@indusind.com.

Question 25

Is the EazyDiner IndusInd Platinum card worth it if I spend ₹40,000 a month?

Accepted Answer

At ₹40,000 monthly spend, you easily clear the ₹30,000/90-day threshold for both the 2,000-point milestone bonus and Prime membership renewal every cycle. You earn roughly 800 base points per month (9,600 per year) plus about 8,000 milestone bonus points annually. Prime membership stays active, giving you 25% to 50% off each time you eat out. If you dine out 4 times a month with average bills of ₹3,000, stacking Prime and PayEazy discounts saves approximately ₹4,000 to ₹6,000 per month on restaurant bills alone. Since the card costs nothing, any dining savings represent pure upside.

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Life-time free, no waiver condition needed
Monthly Percentage Rate	3.83%
Annual Percentage Rate	46%
Minimum Monthly Payment	5% of total amount due
Foreign Currency Markup	3.5%
Late Payment Charges	Nil to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	Contact IndusInd Bank for applicable rates
Fee For Supplementary Card	Contact IndusInd Bank
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

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Life-time free, no waiver condition needed
Monthly Percentage Rate	3.83%
Annual Percentage Rate	46%
Minimum Monthly Payment	5% of total amount due
Foreign Currency Markup	3.5%
Late Payment Charges	Nil to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	Contact IndusInd Bank for applicable rates
Fee For Supplementary Card	Contact IndusInd Bank
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+

IndusInd Bank EazyDiner Platinum Credit Card

Overview

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Key Highlights

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Detailed Information

Frequently Asked Questions

Pros

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IndusInd Bank EazyDiner Platinum Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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Pros

Cons