EazyDiner IndusInd Bank Credit Card
A signature Visa card. We break down whether the 0.4% return rate justifies the ₹2,999 annual fee.
IndusInd Bank
A signature Visa card. We break down whether the 0.4% return rate justifies the ₹2,999 annual fee.
The EazyDiner IndusInd Bank Credit Card is IndusInd Bank's ₹2,999-a-year reward points credit card with about 0.4% base rewards on everyday spend.
Quick Decision
Reward earnings only, at the everyday spend mix: milestone vouchers and lounge value are tracked separately in the sections below.
Casual users hit the lower end; engaged users hit the upper end.
See full analysisPros & Cons
A balanced look at what this card does well and where it falls short.
- No monthly reward cap
- Fuel surcharge waiver
- Welcome bonus worth ₹7,500
- ₹2,999 annual fee with no waiver option
- High forex markup: 3.5%
- No lounge access
Our editorial take on this card
What works
Year-one welcome stack totals roughly Rs.11,250 before you spend a rupee: a 12-month EazyDiner Prime membership worth Rs.3,550 (guaranteed 25-50% off at 2,000+ restaurants), a Rs.7,500 Postcard Hotel stay voucher, and 2,000 welcome EazyPoints. That alone covers the Rs.3,539 annual fee 3x over. Monthly dining discount caps at Rs.2,000 by default and rises to Rs.5,000 the month after you spend Rs.30,000 on non-dining transactions - a meaningful ceiling if you dine out frequently. Hotel, travel, shopping, and entertainment spends earn at 1% (10 EazyPoints per Rs.100), which is the standard co-brand rate. The 25-50% off at 2,000+ EazyDiner partner restaurants is the real lever; this card just makes Prime free instead of paying Rs.3,550 separately.
Annual fee Rs.3,539 has no spend-based waiver - you pay it every year regardless of usage, which means EazyDiner Prime renewal is locked to paying the fee again. Base rate on everything outside hotel, travel, shopping, and entertainment is just 0.4% - the Amazon Pay ICICI Bank Credit Card delivers 1-5% on the same spends at zero fee. Zero lounge access is hard to justify at this price: the HDFC Bank Diners Club Privilege Credit Card costs Rs.1,180 joining + Rs.0 annual and includes 8 domestic + 8 international lounge visits a year. Foreign currency markup is 3.5% with no built-in international rewards offset - a meaningful drag for any international spend. EazyPoints have no transfer partners and no cashback redemption - they can only be redeemed against dining bills via the EazyDiner app, so if your dining drops off so does the point value. Reward points on rent, wallet loads, fuel, and utility bills are not advertised as bonus categories, meaning a typical month's mix of utilities + rent + groceries earns the bottom 0.4% bucket.
Independent analysis from public card terms, no paid placements or ratings.
Welcome Bonus
VerifiedOne-time bonus for new cardholders
2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth Rs.7,500
So what does this card actually earn?
Reward Points
This card earns reward points on every transaction. The real value of your points depends on how you redeem them: here is a breakdown of the redemption tiers.
per point
0.4%
assumes ₹0.10/point redemption
Redemption Tiers
Tap a tier to update the Value Verdict above
Worst Case
Via EazyDiner app only (bill discount)
How It Compares
Side-by-side with similar cards in our database.
| Feature | This card | ICICI Bank Emeralde | American Express Platinum Travel |
|---|---|---|---|
| Annual fee | ₹2,999 | ₹12,000 | ₹5,000 |
| Reward ratecash-equivalent · accelerated | 0.40%no accelerator | 1.00%no accelerator | 1.00%no accelerator |
| Network | Visa | Visa / Mastercard / American Express | American Express |
| Acceptance | Universal | Universal | Limited |
| Eligibility | Applicable | Not accepting | Applicable |
Methodology: reward rates shown at the card's only redemption pathway (Via EazyDiner app only (bill discount)): the only redemption channel available for this card's points. Travel-transfer or partner-merchant routing can be materially higher; see each card's full review for upside scenarios.
Fees & Charges
Complete breakdown of all fees associated with this card.
Value Verdict
All rupees · no routingEstimated annual value at ₹50,000/month spend with base earn on all retail.
✗ On base rewards alone (no memberships, lounge, or milestones), this card pays for its GST-inclusive fee at ₹73,729/month spend. Below that, the card only makes sense if you actually use the perks listed above.
Year 1 also carries a one-time ₹2,999 + 18% GST joining fee (~₹3,539), charged upfront on issuance and not waivable by spend. The net above reflects the renewal-year fee; subtract the joining fee from year-1 value.
First year bonus: +₹7,500 welcome value (not included above)Year-1 net: ₹3,539 upfront (fee + 18% GST, GST non-refundable) − ~₹6,400 realized voucher value (closed-loop, ~15% liquidity haircut) ≈ ₹0 net cost, not zero. Bundled memberships count as non-cashable utility.
Assumptions used in this estimate▸
- • Reward earnings shown at the conservative redemption tier (Via EazyDiner app only (bill discount)).
- • Annual fee of ₹2,999 + 18% GST (₹3,539 total) is included in the net calculation. Fee is non-waivable.
Eligibility
Requirements you need to meet to apply for this card.
Data verified against IndusInd Bank official website · Last verified: 2026-05-09
WhichWise does not accept payment for card placement or ratings. Fees, rates, and benefits may change. Always confirm with the issuer before applying.
Verified from the source
Key facts below are quoted verbatim from IndusInd Bank's own pages and documents, not paraphrased.
- Joining fee
“Joining Fee: INR 2,999”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09 - Annual fee
“Annual Fee: INR 2,999”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09 - Reward type
“Earn 10 Reward Points on every Rs.100 spent on Hotel and Travel booking, shopping and entertainment”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09 - Welcome bonus
“2000 welcome bonus EazyPoints The Postcard Hotel stay voucher worth INR 7,500”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09 - Forex markup
“Foreign Currency Mark-Up 3.5%”
Verified quote from induseasycredit.indusind.bank.in · fetched 2026-05-09 - Fuel surcharge waiver
“1% fuel surcharge waiver across all fuel stations in India”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09 - Card network
“EazyDiner has also partnered with IndusInd Bank to introduce two co-branded credit cards - Signature and Platinum, on the Visa platform.”
Verified quote from indusind.bank.in (issuer website) · fetched 2026-05-09
Interested in EazyDiner IndusInd Bank?
Check the official page for the latest terms before applying.