IndusInd Bank EazyDiner Credit Card: Fees & Apply 2026

IndusInd Bank EazyDiner Credit Card

IndusInd Bank Visa

Joining Fee2998

Annual Fee2999

Renewal Fee2999

Welcome Bonus: 2,000 EazyPoints + ₹7,500 voucher

Lounge Access: Yes (Domestic Only)

Fuel Surcharge: Yes

Apply Now

Introduction: When a Restaurant Bill Becomes an Investment Decision

Picture this scenario. You’re dining at a fine-dining restaurant in Mumbai with your family. The bill comes to ₹6,000. With the IndusInd Bank EazyDiner Credit Card, you could knock off ₹1,500 instantly through the EazyDiner Prime membership discount, plus earn additional cashback by paying via the PayEazy feature on the app.

Sounds attractive, doesn’t it? But here’s the catch—this card charges ₹2,999 annually.

The IndusInd Bank EazyDiner Credit Card (Signature variant) is a co-branded offering built specifically for people who treat dining out as a regular lifestyle choice, not an occasional indulgence. If you’re someone who visits restaurants 3-4 times a month or more, this card could genuinely offset its fees and deliver value. For everyone else? The math doesn’t always add up.

Let me break down exactly what this card offers, where it shines, and most importantly—where it disappoints.

Key Benefits & Features of IndusInd Bank EazyDiner Credit Card

Welcome & Membership Benefits

When you first get the card, here’s what lands in your account:

• 2,000 Welcome Bonus EazyPoints – credited once the joining fee is paid
• Complimentary EazyDiner Prime Membership worth ₹3,550 (renews annually with the renewal fee)
• Postcard Hotels Stay Voucher worth ₹7,500 – valid for direct bookings via their website or reservation concierge

The EazyDiner Prime membership is the real hero here. It gives you guaranteed discounts of 25% to 50% at over 2,000 premium restaurants and bars across India. Unlike many dining programs that cap the number of times you can use benefits, this one has no such limit. You could technically use it every single day if you wanted.

Reward Point Structure

The IndusInd Bank EazyDiner Credit Card follows a tiered reward system:

High-Value Categories (10 Reward Points per ₹100 spent):

• Hotel bookings
• Travel expenses
• Shopping
• Entertainment

Regular Spending (4 Reward Points per ₹100 spent):

• All other transactions except fuel

Special EazyDiner Benefits:

• Earn 3X EazyPoints when transacting through EazyDiner
• Instant redemption of reward points against restaurant bills via PayEazy
• Redeem EazyPoints for free hotel stays, meals, and exclusive restaurant events

One reward point equals approximately ₹0.10 in value when redeemed through PayEazy. This means the effective reward rate ranges from 0.4% to 1% on regular spends, which is fairly standard for premium dining cards.

The PayEazy Dining Discount Mechanism

This is where things get interesting—and slightly complicated:

Base Discount: Extra 25% off up to ₹1,000 per transaction when you pay via PayEazy on the EazyDiner app

Monthly Cap Structure:

• Without any spending criteria: ₹2,000 discount per month
• Unlock additional ₹3,000: Spend ₹30,000 on non-dining transactions in the previous calendar month
• Maximum monthly discount: ₹5,000

Important caveat: This discount only applies when paying through the EazyDiner app using PayEazy. Swiping your card physically at the restaurant won’t trigger this benefit.

Airport Lounge Access on IndusInd Bank EazyDiner Credit Card

You get 2 complimentary domestic lounge visits per quarter (8 visits annually). This translates to access every 45 days if you spread them out. Not spend-based, which is convenient for light spenders.

However, there’s no international lounge access on this variant, which might disappoint frequent international travelers.

Entertainment Benefits

BookMyShow Offer:

• 2 complimentary movie tickets worth up to ₹200 per month
• Maximum savings: ₹400 monthly

This works out to approximately ₹4,800 in annual movie benefits, which alone covers a significant chunk of the annual fee if you’re a regular moviegoer.

Fuel Surcharge Waiver

The card offers a 1% fuel surcharge waiver across all fuel stations in India. However, this applies only to transactions between ₹400 and ₹4,000. Given current fuel prices, you’d save ₹4-40 per transaction—not exactly groundbreaking, but useful for daily commuters.

Additional Perks of IndusInd Bank EazyDiner Credit Card

• Free premium alcoholic beverages at select restaurants (via the Free Drink filter on EazyDiner)
• Contactless payment feature for faster transactions
• Global acceptance at over 30 million Visa/Mastercard outlets worldwide

Charges, Fees & Hidden Costs of IndusInd Bank EazyDiner Credit Card

Does the Fee Feel Justified?

At ₹2,999 annually (approximately ₹3,500 post-GST), this card sits in the mid-premium segment. The complimentary EazyDiner Prime membership (worth ₹3,550) technically covers the annual fee on paper. Add the ₹7,500 hotel voucher and potential BookMyShow savings of ₹4,800, and the value proposition seems solid.

But here’s the reality check: you only extract this value if you actively use these benefits. The hotel voucher has booking restrictions, the dining discount requires app-based payment, and the movie tickets need monthly redemption. Miss a few months, and you’ve essentially paid for benefits you didn’t use.

Eligibility & Approval Reality of IndusInd Bank EazyDiner Credit Card

Official Eligibility Criteria

Age: 18 to 65 years

Occupation: Salaried or self-employed individuals

Income Expectations: While IndusInd Bank doesn’t publicly disclose minimum income requirements for this card, based on industry patterns for cards in this fee range:

• Salaried individuals: ₹3.5-5 lakh annual income (indicative)
• Self-employed: ₹5-7 lakh annual income (indicative)

Credit Score: A score of 750+ significantly improves approval chances

Approval Tips Based on Indian Banking Norms

1. Existing IndusInd relationship helps: If you already hold a savings account or another credit card with the bank, approval becomes smoother.
2. Clean credit history matters: Any defaults or frequent credit inquiries in the past 6 months can hurt your application.
3. Document readiness: Keep PAN card, Aadhaar, latest 3 salary slips (for salaried), and recent bank statements ready.
4. The co-branded factor: This being a lifestyle card, banks assess your spending patterns. Evidence of regular dining/entertainment expenses can strengthen your case.

Limitations & Drawbacks (The Honest Section)

Reward Caps That Might Frustrate You

Monthly Discount Cap: The ₹5,000 monthly discount ceiling sounds generous, but hitting it requires ₹30,000 in non-dining spends monthly. For someone spending that much, the card’s fee feels negligible. For average users spending ₹10,000-15,000 monthly, you’re restricted to ₹2,000 in dining discounts.

PayEazy-Only Restriction: The extra 25% discount works only when paying through the EazyDiner app. Not all restaurants support PayEazy. If your favorite restaurant isn’t on the list, this signature benefit becomes useless.

No Consecutive Transactions: You can’t use the discount at the same restaurant within 120 minutes. This blocks group dining scenarios where you might split bills.

Category Exclusions

Fuel purchases earn zero reward points (though you get the surcharge waiver). Utility bills, insurance premiums, rent payments, and government transactions earn reduced points (0.7 points per ₹100 in some cases).

Redemption Limitations

EazyPoints have a 1-year validity. If you don’t accumulate or redeem them within this window, they expire. For infrequent diners, this creates a use-it-or-lose-it pressure.

Who May Find IndusInd Bank EazyDiner Credit Unsuitable

Avoid if you:

• Dine out fewer than 2-3 times monthly
• Prefer budget restaurants or street food (not typically on EazyDiner)
• Don’t use restaurant booking apps regularly
• Already have another strong dining card with similar benefits
• Live in tier-2 or tier-3 cities with limited EazyDiner partner restaurants

The card’s value proposition collapses for casual diners. Someone dining out twice a month would struggle to justify the ₹2,999 fee, even with the movie tickets and hotel voucher.

Comparison of IndusInd Bank EazyDiner Credit Card With Similar Credit Cards

Where IndusInd Bank EazyDiner Credit Card Wins

• No spending threshold for fee waiver (though no waiver exists)
• Higher dining discounts compared to most competitors
• Unlimited usage of EazyDiner Prime benefits
• Monthly movie tickets as a consistent perk

Where It Loses

• No international lounge access (HDFC Regalia Gold offers this)
• Lower overall reward rate on non-dining spends
• Restrictive redemption requiring app usage
• Geographic limitation – value drops significantly outside metro cities

If your priority is dining specifically, EazyDiner edges ahead. For holistic lifestyle benefits including travel, HDFC Regalia Gold or Axis cards offer better versatility.

Pros & Cons Table

Overall Assessment

Who Gets Maximum Value of IndusInd Bank EazyDiner Credit Card

The Ideal User Profile:

• Dines at premium restaurants 4-6 times monthly
• Lives in metro cities (Mumbai, Delhi, Bangalore, Pune, Hyderabad)
• Comfortable using restaurant booking apps
• Watches 2+ movies in theaters monthly
• Spends ₹25,000-30,000 monthly on credit cards
• Values experiential benefits over cashback

For this person, the card could deliver ₹15,000-20,000 in annual value through dining discounts, movie tickets, and hotel vouchers—making the ₹2,999 fee seem insignificant.

Where It Underperforms

Travel Benefits: No international lounge access, no airline miles, no hotel status—if you travel internationally even 2-3 times yearly, cards like Axis Vistara or HDFC Regalia would serve better.

Everyday Spending: The 0.4%-1% reward rate is unimpressive. Cashback cards or co-branded shopping cards deliver 2-5% returns on routine spends.

Small Town Usability: EazyDiner’s restaurant network concentrates in metros. If you’re based in Jaipur, Lucknow, or Indore, your dining options shrink dramatically, reducing the card’s appeal.

Long-term Usability of IndusInd Bank EazyDiner Credit Card

The card maintains value only if your dining habits remain consistent. A lifestyle change—say, switching to home-cooked meals for health reasons, or relocating to a smaller city—instantly makes this card a liability.

The lack of fee waiver means you’re committed to ₹2,999 annually regardless of usage. Some competing cards waive fees on reaching specific spending thresholds, offering flexibility this card lacks.

Decide Factor: Should You Apply?

Best For:

✅ Frequent fine-dining enthusiasts who spend ₹4,000-8,000 per restaurant visit, 4+ times monthly

✅ Metro city residents with access to wide EazyDiner restaurant networks

✅ Movie buffs who can monetize the 2 monthly BookMyShow tickets consistently

✅ Experience seekers who value unique dining events and hotel partnerships

✅ Organized spenders comfortable tracking app-based payment requirements

Avoid If:

❌ You dine out occasionally (1-2 times monthly)

❌ You prefer budget dining or street food

❌ You don’t use restaurant booking apps

❌ You want a versatile travel + dining card

❌ You live in tier-2/tier-3 cities

❌ You already hold the lifetime-free EazyDiner Platinum variant

Works Best When Used Like This:

Strategy 1: Maximize Monthly Caps

• Plan 8-10 restaurant visits monthly through EazyDiner
• Use PayEazy for payment to unlock the extra 25% discount
• Target the ₹2,000 base monthly discount

Strategy 2: Hit the ₹30K Spend Milestone

• Route non-dining spends (shopping, groceries, online purchases) through the card
• Unlock the additional ₹3,000 monthly dining discount
• Effective monthly discount potential: ₹5,000

Strategy 3: Combo Benefits

• Redeem 2 movie tickets monthly = ₹400 saved
• Use 2 lounge visits per quarter = ₹2,000 saved (assuming ₹500/visit value)
• Utilize hotel voucher once annually = ₹7,500 value
• Combined with dining discounts, you’re looking at ₹30,000-40,000 annual value

The card works brilliantly when treated as a strategic dining + entertainment tool. It falters when expected to perform like an all-purpose credit card.

How to Apply (Step-by-Step) IndusInd Bank EazyDiner Credit Card

Online Application via Official Website

Step 1: Visit the IndusInd Bank official website: www.indusind.bank.in

Step 2: Navigate to Cards → Credit Cards → EazyDiner Credit Card

Step 3: Click on “Apply Now”

Step 4: Fill in the application form with:

• Personal details (name, DOB, contact information)
• Employment information (occupation, company name, monthly income)
• Residential address

Step 5: Upload required documents

Step 6: Submit the application and note the reference number

Documents Required

For Salaried Individuals:

• PAN Card (mandatory)
• Aadhaar Card / Voter ID / Passport (any one for identity and address proof)
• Latest 3 months’ salary slips
• Last 6 months’ bank statements

For Self-Employed:

• PAN Card (mandatory)
• Aadhaar Card / Voter ID / Passport
• Latest ITR with computation of income
• Business proof (GST certificate, Shop Act license, etc.)
• Last 6 months’ bank statements

Typical Approval Timeline

Digital Journey:

• Instant eligibility check: 2-5 minutes
• Document verification: 2-3 working days
• Credit assessment: 3-5 working days
• Card dispatch: 5-7 working days post-approval

Total estimated time: 10-15 working days from application to card delivery

Pro Tip: Applying through the bank’s mobile app or if you’re an existing customer can expedite the process. Video KYC facilities have also reduced physical branch visits.

FAQs of IndusInd Bank EazyDiner Credit Card

1. Is the IndusInd EazyDiner Credit Card lifetime free?

No, the Signature variant charges ₹2,999 as joining and annual renewal fee. There’s no spend-based waiver available. However, IndusInd offers a lifetime-free EazyDiner Platinum Credit Card variant with reduced benefits (3-month EazyDiner Prime membership instead of 12 months).

2. Are the reward points worth it on this card?

Partially. The 0.4%-1% reward rate on regular spends is average at best. The real value lies in the 3X EazyPoints on EazyDiner transactions and instant redemption against restaurant bills. If you dine frequently via the app, the rewards make sense. For general spending, better cashback cards exist.

3. How does the lounge access work? Are there spending conditions?

You get 2 complimentary domestic lounge visits per quarter (8 annually), and they are not spend-based. You can use them even in months where you make minimal transactions. However, there’s no international lounge access on this card, which limits its appeal for frequent international travelers.

4. What happens to my benefits after the first year when I pay the renewal fee?

Upon paying the ₹2,999 renewal fee:

• Your EazyDiner Prime membership renews for another 12 months
• You receive 2,000 bonus EazyPoints again
• You get a fresh ₹7,500 Postcard Hotels voucher

Essentially, the welcome benefits repeat annually as long as you pay the renewal fee.

5. Is this card suitable for beginners or first-time credit card users?

Not ideal for beginners. Here’s why:

• The ₹2,999 annual fee creates a financial commitment
• Benefits require strategic usage (app downloads, deal bookings, tracking discounts)
• Best value extraction needs ₹25,000-30,000 monthly spends

First-time users should consider lifetime-free entry-level cards to build credit history without fee pressure. The EazyDiner Platinum (lifetime free) variant would be more suitable for beginners interested in dining benefits.

6. Can I use the extra 25% discount without the EazyDiner app?

No. The signature extra 25% discount (up to ₹1,000 per transaction) works only when you pay via PayEazy on the EazyDiner app. Physically swiping the card at restaurants won’t trigger this benefit. You’ll still get the base EazyDiner Prime membership discount (25-50%), but not the additional card-specific discount.

7. What if most restaurants in my city don’t support EazyDiner or PayEazy?

This is a genuine limitation. The card’s value drops significantly in cities with limited EazyDiner partner coverage. Before applying, check the EazyDiner app for restaurant availability in your area. If you find fewer than 10-15 restaurants you’d actually visit, this card probably isn’t worth ₹2,999 annually.

8. How does the ₹5,000 monthly discount cap work?

The structure is:

• Base cap: ₹2,000 per month (no spending criteria)
• Additional cap: ₹3,000 per month (if you spent ₹30,000 on non-dining transactions in the previous calendar month)
• Total possible: ₹5,000 per month

Example: If you spent ₹35,000 in December (on shopping, travel, etc.), you can avail up to ₹5,000 in dining discounts in January. If you spent only ₹15,000 in December, your January dining discount caps at ₹2,000.

Final Verdict: A Specialist, Not a Generalist

The IndusInd Bank EazyDiner Credit Card knows exactly what it is—a dedicated dining card. It doesn’t pretend to compete on travel miles, cashback percentages, or insurance covers.

If you’re someone who genuinely enjoys fine dining, explores new restaurants monthly, and doesn’t mind using an app to unlock discounts, this card delivers on its promise. The math works out favorably: ₹2,999 fee versus potential ₹25,000-30,000 in annual savings through dining discounts, movie tickets, and hotel stays.

But it demands active participation. You can’t just swipe it passively and expect value to accumulate. You need to book via EazyDiner, pay through PayEazy, redeem movie tickets monthly, and track your reward points.

For casual diners, the free EazyDiner Platinum variant makes more sense. For travelers, look at Axis or HDFC offerings. But if you’re a foodie who considers restaurant experiences an essential part of life, this card could become your wallet’s MVP.

Just know what you’re signing up for—a relationship, not a one-night stand.

Disclaimer: Card features, fees, and benefits are subject to change at the issuer’s discretion. Always verify details on the official IndusInd Bank website or by calling their customer care before applying. Reward point values, discount percentages, and partner restaurant lists may vary. Credit card approval depends on the bank’s internal assessment criteria.