IndusInd Bank EazyDiner Credit Card
IndusInd Bank · Visa · Mid card
Purpose-built for people who eat out often: the EazyDiner Prime membership alone can offset a meaningful chunk of the fee.
Frequent restaurant diners who already use or would use EazyDiner regularly.
Terms checked 13 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 0.4%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| Online shopping | 1% |
| Groceries & essentials | 0.4% |
| Bills & utilities | 0.4% |
| Subscriptions & streaming | 0.4% |
| Beauty & wellness | 0.4% |
| International spending | 0.4% |
| House rent | 0.4% |
| Insurance premiums | 0.4% |
| Education & family | 0.4% |
| Healthcare & pharmacy | 0.4% |
| Other miscellaneous | 0.4% |
| Gold & jewellery | 0.4% |
| Dining & delivery | 0% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Travel, shopping and entertainment rewards
Usage-based value10 reward points per ₹100 applies to eligible hotel, travel, shopping and entertainment MCCs.
Other eligible rewards
Usage-based value4 reward points per ₹100 applies to other eligible purchases except dining and fuel.
10 reward points per ₹100 on eligible hotel, travel, shopping and entertainment spend
Shown without a cash value4 reward points per ₹100 on other eligible spend except fuel and dining
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Welcome benefits · 3 items
12-month EazyDiner Prime membership
Recorded value ₹3,550Complimentary Prime membership with an issuer-published value of ₹3,550.
Conditions: Pay the applicable ₹2,999 joining fee · Partner membership and participating-restaurant terms apply
2,000 welcome EazyPoints
Shown without a cash valueEazyDiner loyalty points included in the welcome package.
Conditions: Pay the applicable joining fee · EazyPoints are distinct from card Reward Points and no fixed cash value is assumed
₹7,500 Postcard Hotel voucher
Recorded value ₹7,500Hotel-stay voucher included in the published welcome package.
Conditions: Pay the applicable joining fee · Voucher booking, validity and property restrictions apply
Spend milestones · 1 item
Renewal includes another 12-month EazyDiner Prime membership, 2,000 EazyPoints and ₹7,500 Postcard Hotel voucher
Shown without a cash value
Dining · 3 items
Monthly PayEazy discount cap rises by ₹3,000 after ₹30,000 eligible non-dining spend in the previous calendar month, for ₹5,000 total
Shown without a cash value3X EazyPoints on eligible use and complimentary premium beverage at selected restaurants
Shown without a cash valueExtra 25% PayEazy dining discount, capped at ₹2,000 monthly or ₹5,000 after the prior-month spend gate
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver across eligible Indian fuel stations
Shown without a cash value
Memberships · 1 item
Renewal includes another 12-month EazyDiner Prime membership, 2,000 EazyPoints and ₹7,500 Postcard Hotel voucher
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed issuer page does not publish one universal numeric income threshold.
Other benefits · 2 items
Extra 25% PayEazy discount up to ₹1,000 per transaction and ₹2,000 monthly without a spend condition
Shown without a cash valueAnnual spend summary statement
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10 reward points per ₹100 on eligible hotel, travel, shopping and entertainment spend
- ✓ 4 reward points per ₹100 on other eligible spend except fuel and dining
- ✓ 12-month EazyDiner Prime membership and ₹7,500 Postcard Hotel voucher on joining and renewal
- ✓ Extra 25% PayEazy dining discount, capped at ₹2,000 monthly or ₹5,000 after the prior-month spend gate
What to watch
The ₹2,999 fee has no spend-based waiver, so you need to actually use the dining and travel benefits to justify it every year.
Recorded exclusions
Dining Delivery · Fuel Commute
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Reward-point redemption value revised
IndusInd Bank revised the value of card reward points used through PayEazy.
- Before
- The previous PayEazy conversion value applied.
- After
- Each card reward point is worth ₹0.10 through PayEazy; cash redemption is unavailable.
Checked 21 Sept 2026IndusInd EazyDiner Signature change notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 15 Jul 2025