IndusInd EazyDiner Platinum Credit Card Review, Apply Online

This IndusInd EazyDiner Platinum Credit Card Works Only If You Actually Use EazyDiner

Let’s say you eat out twice a week. That’s roughly eight restaurant visits a month, maybe ₹15,000-20,000 in dining bills if you’re hitting decent places. Now, what if someone told you there’s a credit card that could slice 20-50% off those bills without charging you a single rupee in annual fees?

That’s the pitch behind the IndusInd Bank EazyDiner Platinum Credit Card. But here’s the catch — and it’s a big one — those discounts only work if you’re willing to book through the EazyDiner app and pay via their in-app PayEazy system. Miss that step, and this card is just another piece of plastic with minimal rewards.

This card isn’t for casual diners who occasionally treat themselves to a nice meal. It’s built for people who already use or are willing to adopt EazyDiner as their primary restaurant discovery and booking platform. If that’s not you, read on to understand why this might not be worth the wallet space.

Key Benefits & Features

Welcome Benefits That Actually Matter

When your card gets approved, you immediately receive a 3-month EazyDiner Prime membership worth ₹1,095. This isn’t just a gimmick. Prime membership unlocks guaranteed discounts ranging from 25% to 50% at over 2,000 partner restaurants across India.

You also get 500 bonus EazyPoints on activation, though the real value here is minimal — more on that later.

The Core Dining Benefit: Extra 20% Off via PayEazy

Here’s where things get interesting. On top of your Prime membership discount (which typically ranges from 25-30% at most restaurants), you get an additional 20% discount up to ₹500 when you pay through PayEazy (EazyDiner’s in-app payment system).

How it works:

• Book a restaurant deal on the EazyDiner app
• Dine at the restaurant
• When the bill arrives, open the app and select PayEazy to complete payment
• The extra 20% discount applies automatically (capped at ₹500 per transaction)

Important restrictions:

• Maximum 3 uses per calendar month
• Only works for PayEazy payments (not if you physically swipe the card)
• Extra 20% won’t apply if you make consecutive transactions at the same restaurant within 120 minutes

For dining bills under ₹2,500, this benefit genuinely beats premium cards like HDFC Infinia (15% on Dineout) or DCB (10% on Dineout).

Reward Points Structure

The card earns 2 Reward Points per ₹100 spent on most categories, except:

• Fuel
• Insurance
• Rent
• Utility bills
• Government payments

For these excluded categories, you earn a reduced rate of 0.7 Reward Points per ₹100 spent.

Redemption reality: Each reward point is valued at ₹0.20, giving you a base reward rate of just 0.4%. That’s quite low by today’s standards. The only redemption option is against restaurant bills via the EazyDiner app — you cannot convert these to cash, transfer to airline miles, or use them for anything else.

Critical limitation: Reward points expire within 12 months from earning. If you don’t redeem them within a year, they vanish.

EazyPoints System (Separate from Reward Points)

This can get confusing. The card involves two different point systems:

EazyPoints are earned through activities on the EazyDiner app:

• Download and register: 200 points
• Book a table: 50 points (100 points with Prime membership due to 2X bonus)
• Check-in at restaurant: 50 points (100 with Prime)

With Prime membership, you get 2X EazyPoints on all eligible activities.

Where this falls short: EazyPoints can be redeemed for hotel stays, meal vouchers, or a 1-year Prime membership extension. However, the redemption thresholds are steep. For example, renewing Prime for a year costs 6,000 EazyPoints — you’d need to make 120 restaurant bookings to earn that many points. Not exactly realistic for most people.

Prime Membership Renewal

Your initial 3-month Prime membership can be renewed for another 3 months if you spend ₹30,000 in a 90-day period (calendar quarter). Additionally, spending ₹30,000 every quarter earns you 2,000 Reward Points as a milestone benefit.

Standard Card Features

• Contactless payments up to ₹5,000 per transaction
• Global acceptance at over 30 million merchant outlets worldwide
• Fraud protection covering unauthorized transactions up to 48 hours before you report the card as lost/stolen
• Counterfeit fraud protection in case card details are compromised
• Year-end spend summary for budgeting and tax purposes

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

Fee Type	Amount
Joining Fee	₹0 (Lifetime Free)
Annual/Renewal Fee	₹0 (No renewal charges)
Interest Rate (APR)	3.83% per month (45.96% p.a.)
Late Payment Charges	Up to ₹1,300 (varies by outstanding balance)
Foreign Currency Markup	3.5% (standard for most cards)
Cash Withdrawal Fee	2.5% of amount, minimum ₹300 per transaction
Fuel Surcharge Waiver	Not applicable
Overlimit Fee	As per RBI guidelines

Are These Fees Justified?

For a lifetime-free card, there are no joining or renewal costs to justify. The interest rate of 46% p.a. is standard across most credit cards — avoid carrying a balance, and this won’t affect you.

The cash withdrawal fee is steep at 2.5%, but honestly, you shouldn’t be using credit cards for cash advances anyway. The foreign currency markup of 3.5% is average, though not competitive if you travel frequently (specialized forex cards charge lower markups).

Bottom line: Since there’s no annual fee, the only costs you’ll face are those you bring upon yourself — late payments, cash withdrawals, or carrying a balance.

Eligibility & Approval Reality of IndusInd EazyDiner Platinum Credit Card

Official Criteria

• Age: 18 to 65 years
• Occupation: Salaried, self-employed, or business person
• Income: No specific minimum mentioned publicly, but typical entry-level cards require ₹2-3 lakh annual income
• Credit Score: Not officially stated, but a score of 700+ significantly improves approval chances

Approval Tips Based on Indian Banking Norms

1. Existing IndusInd relationship helps: If you already hold a savings account or FD with IndusInd Bank, your approval odds improve substantially.
2. Credit score matters more than stated: While the bank doesn’t publicize a minimum score, applicants with scores below 700 often face rejections or lower credit limits.
3. Income documentation: Self-employed applicants should have ITR for the last 2 years ready. Salaried individuals should provide recent salary slips (last 3 months) and bank statements.
4. First-time cardholders may qualify: Since this is positioned as an entry-level card, even credit card beginners with decent income proof and no negative credit history can get approved.
5. Realistic credit limit expectations: Most first-time approvals come with limits between ₹50,000 to ₹1.5 lakh, depending on income and credit profile.

Limitations & Drawbacks (No Sugarcoating)

1. Rewards Are Essentially Worthless Outside Dining

With a 0.4% reward rate, you’re earning ₹400 for every ₹1 lakh spent. And you can only redeem those points against dining bills through EazyDiner. If you’re looking for a card that rewards general spending, this isn’t it.

2. EazyDiner Availability Is Limited

EazyDiner partners exist primarily in metro cities — Mumbai, Delhi NCR, Bangalore, Pune, Hyderabad, Chennai, and Kolkata. If you live in tier-2 or tier-3 cities, restaurant options will be severely limited, making this card largely useless.

3. The PayEazy Requirement Is Annoying

You cannot simply swipe this card at a restaurant and get the extra 20% discount. You must:

• Book through the app
• Have the app open at the restaurant
• Pay via PayEazy within the app

This adds friction to the dining experience. Some restaurants may not even be comfortable with this payment method, especially smaller establishments.

4. No Lounge Access

Unlike many other lifetime-free cards (like IndusInd Platinum RuPay which offers lounge access), the EazyDiner Platinum provides zero airport lounge benefits.

5. Milestone Benefits Require High Spending

To maintain your Prime membership beyond the initial 3 months, you need to spend ₹30,000 every quarter. For someone earning modest income, that’s a significant threshold.

6. Limited Insurance Coverage

While the card offers fraud protection, it lacks comprehensive travel insurance, purchase protection, or extended warranty benefits found on higher-tier cards.

7. Who Should Avoid This Card

• Infrequent diners: If you eat out less than 4-5 times a month, the benefits won’t justify even keeping the card active.
• People in smaller cities: Limited restaurant partnerships mean you’ll struggle to use the core benefits.
• General spenders: If you want rewards across categories (shopping, groceries, fuel), this card fails to deliver.
• Travelers: No lounge access, mediocre forex markup, and no travel insurance make this a poor travel companion.

Comparison IndusInd EazyDiner Platinum Credit Card With Similar Cards

Feature	EazyDiner Platinum	HDFC Swiggy Credit Card	Axis Ace Credit Card
Annual Fee	₹0 (Lifetime Free)	₹0 (Lifetime Free)	₹0 (Lifetime Free)
Dining Benefits	25-50% via EazyDiner app	10% cashback on Swiggy	2% cashback (via vouchers)
General Rewards	0.4% (dining redemption only)	1% cashback (bill pay, utilities)	5% cashback (bill payments)
Lounge Access	None	None	None
Cashback Caps	₹500/month on PayEazy benefit	₹1,500/month across categories	₹500/month per category
Best For	Heavy EazyDiner users	Swiggy food delivery users	Bill payments & utilities

Where EazyDiner Platinum Wins:

• Higher potential discount on dine-in (25-50% vs 10% on Swiggy card)
• No spending caps on Prime membership discounts (though PayEazy has ₹500 cap)

Where It Loses:

• Zero value for non-dining spend
• Requires app-based payment (adds friction)
• Limited to EazyDiner partner restaurants only
• No lounge access unlike some other LTF cards

Verdict: If you’re already an active EazyDiner user and dine out frequently at partner restaurants, this card edges out competition. For everyone else, general cashback cards like Axis Ace or category-specific cards like HDFC Swiggy offer better overall value.

Pros & Cons IndusInd EazyDiner Platinum Credit Card

Pros	Cons
✅ Lifetime free (₹0 joining & annual fee)	❌ Rewards only redeemable against dining
✅ 25-50% dining discounts via EazyDiner Prime	❌ No airport lounge access
✅ Extra 20% off (up to ₹500) with PayEazy	❌ Limited restaurant partners outside metros
✅ No caps on Prime membership discounts	❌ Must use EazyDiner app for benefits
✅ 3-month Prime membership as welcome benefit	❌ Low 0.4% reward rate on general spends
✅ Easy approval for first-time cardholders	❌ EazyPoints redemption thresholds too high
✅ Contactless payment support	❌ Reward points expire in 12 months
✅ Fraud protection included	❌ PayEazy benefit capped at 3 uses/month

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Overall Assessment

Who Gets Maximum Value

This card makes sense for a very specific user profile:

The ideal cardholder:

• Lives in a metro city (Mumbai, Delhi, Bangalore, Pune, Hyderabad, Chennai)
• Already uses EazyDiner regularly or is willing to adopt it
• Dines out at mid-to-premium restaurants at least 6-8 times per month
• Doesn’t mind the app-based payment workflow
• Has other credit cards to cover non-dining expenses

If you check all these boxes, this card can genuinely save you ₹3,000-5,000 monthly on dining bills.

Where It Underperforms

For general credit card users, this card is borderline useless. The 0.4% reward rate is abysmal. You get nothing for online shopping, groceries, fuel, travel, or entertainment unless it’s specifically booked through EazyDiner.

The lack of lounge access and comprehensive insurance also limits its appeal compared to other lifetime-free options.

Long-Term Usability

Here’s the honest truth: this card has staying power only if you remain an active EazyDiner user. The moment you reduce dining frequency or shift to other platforms, this becomes a dormant card collecting dust in your wallet.

The quarterly ₹30,000 spend requirement to maintain Prime membership can also become burdensome if your dining habits change.

Decide Factor: Should You Apply?

✅ Best For

• Regular EazyDiner app users who dine at partner restaurants frequently
• Metro city residents with access to 50+ EazyDiner partner restaurants nearby
• Dining enthusiasts who spend ₹10,000+ monthly on restaurant bills
• First-time cardholders looking for a zero-fee entry into credit cards with tangible benefits
• People comfortable with app-based payments who don’t mind the PayEazy workflow

❌ Avoid If

• You rarely use restaurant booking apps
• You live outside major metro cities
• You dine out less than 4 times a month
• You want rewards across all spending categories
• You need airport lounge access or travel benefits
• You prefer straightforward cashback over discount-based benefits

💡 Works Best When Used Like This

Strategy 1: Dedicated Dining Card Use this card exclusively for dining via EazyDiner. Keep a general rewards card (like SBI Cashback or Amazon Pay ICICI) for all other expenses. This way, you maximize dining discounts without worrying about poor returns on non-dining spends.

Strategy 2: Supplement to Primary Card If you already hold a premium card (HDFC Regalia, Axis Magnus, etc.), add the EazyDiner Platinum as a zero-fee supplement specifically for restaurant discounts. Use your primary card for everything else.

Strategy 3: Test-Drive EazyDiner Not sure if you’ll use EazyDiner regularly? Apply for this card, use the 3-month Prime membership, and evaluate whether the platform fits your lifestyle. Since there’s no fee, you risk nothing by trying.

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

Online Application Process

Step 1: Visit the official IndusInd Bank EazyDiner Platinum Credit Card page at:
https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-platinum-credit-card.html

Step 2: Click on the “Apply Now” button (usually prominently displayed on the product page)

Step 3: You’ll be redirected to the application form. Fill in:

• Full name (as per PAN card)
• PAN number
• Mobile number (for OTP verification)
• Email ID
• Current residential PIN code

Step 4: Select your employment type (Salaried/Self-Employed/Business)

Step 5: Review and accept the Terms & Conditions. Authorize the bank to contact you via phone, SMS, email, or WhatsApp.

Step 6: Submit the application. You’ll receive an acknowledgment via SMS/email.

Documents Required

For Salaried Individuals:

• PAN card (mandatory)
• Aadhaar card for identity and address proof
• Last 3 months’ salary slips
• Last 3-6 months’ bank statements

For Self-Employed/Business Owners:

• PAN card (mandatory)
• Aadhaar card for identity and address proof
• ITR for last 2 years
• Business proof (GST registration, Shop Act license, etc.)
• Last 6 months’ bank statements

Typical Approval Timeline

• Instant decision: Some applicants receive instant approval if they’re existing IndusInd customers with good credit profiles.
• Standard processing: 3-7 working days for verification and approval
• Card delivery: 7-10 working days after approval
• Activation: Can be done via SMS, net banking, or mobile app once you receive the card

Pro tip: If you’re an existing IndusInd Bank customer with a credit limit above ₹30,000 on another card, you can visit the bank’s card limit split portal to convert part of your existing limit into an EazyDiner Platinum card instantly.

Other Dining Card to Consider

HDFC Diners Club Black

HDFC Regalia Gold

HDFC Swiggy Card

SBI Prime Credit Card

 IndusInd Eazy Diner Credit Card

American Express Platinum Travel Credit Card

Kotak Delight Platinum Credit Card

The Axis Select Credit Card

FAQs of IndusInd EazyDiner Platinum Credit Card

1. Is this card lifetime free?

Yes, the EazyDiner Platinum Credit Card has zero joining fees and zero annual/renewal fees. There are no conditions or spending requirements to keep it free.

2. Are reward points worth it?

Honestly, not really. With a 0.4% reward rate and redemption limited to dining bills only, the reward points are the weakest feature of this card. The real value lies in the Prime membership discounts and PayEazy benefits, not the reward points.

3. What are the lounge access conditions?

There are no lounge access benefits with this card. If you need airport lounge access, consider the IndusInd Platinum RuPay Credit Card instead (also lifetime free with limited lounge visits).

4. What happens to fees after the waiver period?

There is no waiver period — the card is genuinely lifetime free with no annual fees ever. The only recurring cost is maintaining the Prime membership via quarterly spends, but that’s optional.

5. Is this suitable for credit card beginners?

Yes, this is actually a decent starter card if you:

• Dine out frequently in metro cities
• Are willing to use the EazyDiner app
• Don’t expect this to be your primary card for all expenses

The zero annual fee and easy eligibility criteria make it accessible to first-time cardholders.

6. Can I use reward points for anything other than dining?

No. Unlike most credit cards that let you redeem points for cash, flights, shopping vouchers, or products, these reward points can ONLY be redeemed against restaurant bills via the EazyDiner app.

7. How does the Prime membership renewal work?

You get 3 months of Prime membership for free when you receive the card. To renew for another 3 months, spend ₹30,000 within a 90-day period. This cycle continues — spend ₹30,000 every quarter, and your Prime membership keeps renewing for 3 months at a time.

8. What happens if I don’t spend ₹30,000 in a quarter?

Your Prime membership expires after 3 months, and you lose access to the 25-50% discounts at EazyDiner partner restaurants. The card still works, but without Prime, you only get the standard EazyDiner member discounts (usually much lower) and the PayEazy 20% off benefit.

9. Can I get the extra 20% discount by swiping the card at the restaurant?

No. The extra 20% PayEazy discount only applies when you pay through the EazyDiner app using PayEazy. Simply swiping your physical card at the restaurant does not trigger this benefit.

10. Is foreign currency markup competitive?

At 3.5%, it’s average. If you travel internationally often, dedicated forex cards or cards like Niyo Global (no forex markup) or Fi Money Federal Bank Debit Card (zero markup) are better options.

Final Verdict

The IndusInd Bank EazyDiner Platinum Credit Card is not for everyone — and that’s perfectly fine.

If you’re someone who dines out regularly at EazyDiner partner restaurants, lives in a metro city, and doesn’t mind using an app-based payment system, this card can legitimately save you thousands of rupees every month. The 25-50% Prime membership discounts combined with the extra 20% PayEazy benefit (up to ₹500 per transaction) create real, tangible value.

But let’s be clear: this is a specialized dining card, not an all-purpose credit card. The reward structure is weak, there’s no lounge access, and you get almost nothing for non-dining spends. It’s a secondary card at best, meant to complement a more well-rounded primary card.

Should you apply?
If dining is a significant monthly expense and you’re willing to embrace the EazyDiner ecosystem, absolutely. Since it’s lifetime free, there’s no downside to holding it.

If you’re looking for versatile rewards, travel benefits, or cashback across categories, skip this and look at cards like Axis Ace, HDFC Millennia, or SBI Cashback instead.

Disclaimer:
Card features, fees, and benefits are subject to change at the issuer’s discretion. Always verify details on the official IndusInd Bank website before applying. Reward point values, discount percentages, and Prime membership terms may vary based on promotions and partner restaurant availability.