EazyDiner IndusInd Bank Platinum Credit Card review
IndusInd Bank · Not · points Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹0
- Fee waiver
- Not needed (no annual fee)
- Base return
- 0.4% base
- Point value
- ₹0.2 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹2,264 | 1.3% |
| Metro salaried ₹60k a month | ₹4,101 | 0.6% |
| Family household ₹80k a month | ₹4,682 | 0.5% |
| Frequent flyer ₹1.5L a month | ₹8,248 | 0.5% |
| Online shopper ₹50k a month | ₹3,906 | 0.7% |
| Rent-heavy ₹90k a month | ₹326 | 0.0% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹326 (rent-heavy) to ₹8,248 (frequent flyer), equal to 0.0% to 1.3% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: A lifetime-free card aimed at people who use EazyDiner: 2 points per ₹100 on most spends and 0.7 on rent, utilities, insurance and government payments, with fuel earning nothing. At ₹0.20 a point the base return is 0.4%. The issuer's page also lists 2,000 points (about ₹400) for every ₹30,000 spent in 90 days, which is where much of the card's value on our profiles comes from. Points are earned only on spends up to your credit limit in each statement cycle. The welcome benefit is 500 EazyPoints and three months of EazyDiner Prime, which IndusInd values at ₹1,095.
From the card's terms: strengths
- No annual fee
From the card's terms: limits
- Base return is only about 0.4% on other spends
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Bills & utilities, Rent | 0.7 | ₹0.14 | No cap found | 0.7 RP per ₹100 on insurance, rent, utility and government spends (official). |
| Fuel | 0 | ₹0 | No cap found | Fuel transactions earn no reward points (official). |
| Everything else, Amazon, Flipkart, Other online shopping, Groceries, Dining & food delivery, Flights & hotels, Entertainment & OTT, International (foreign currency) | 2 | ₹0.4 | No cap found | 2 RP per ₹100 on all other spends; points earned only for spends up to the assigned credit limit per statement cycle (official). |
Point value: Official: 1 Reward Point = ₹0.20. Redemption best via PayEazy on EazyDiner app against dining bills.
Excluded or reduced
- Fuel (no points)
- Insurance, rent, utility, government earn reduced 0.7 RP per ₹100
Spend milestones
- Spend ₹30,000 a quarter: 2,000 reward points on spending ₹30,000 every 90 days (issuer page, 30 Oct 2026; the page does not say whether the 90 days are calendar quarters or rolling, we count it quarterly) (about ₹400)
Other benefits
- Welcome: 500 welcome EazyPoints and 3 months EazyDiner Prime (worth ₹1,095).
- Guaranteed 25% off at EazyDiner Prime restaurants (booked via app)
- Extra 20% off up to ₹500 when paying via PayEazy on EazyDiner app, max 3 times a calendar month
- BookMyShow buy one get one free once a month (free ticket capped at ₹200)
- Credit card on UPI
Eligibility
We did not find eligibility criteria in the issuer documents we read. unverified
Reported rule changes
- 15 Jun 2026: IndusInd Bank: late payment charge bands revised from 15 June 2026 official
Where it ranks
Compare
Related guides
- How to read a credit card MITC
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the EazyDiner IndusInd Bank Platinum Credit Card?
No annual fee. Fees exclude 18% GST.
How do EazyDiner IndusInd Bank Platinum Credit Card rewards work?
0.4% base. Official: 1 Reward Point = ₹0.20. Redemption best via PayEazy on EazyDiner app against dining bills.
Does the EazyDiner IndusInd Bank Platinum Credit Card give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the EazyDiner IndusInd Bank Platinum Credit Card best suited to?
A lifetime-free card aimed at people who use EazyDiner: 2 points per ₹100 on most spends and 0.7 on rent, utilities, insurance and government payments, with fuel earning nothing. At ₹0.20 a point the base return is 0.4%. The issuer's page also lists 2,000 points (about ₹400) for every ₹30,000 spent in 90 days, which is where much of the card's value on our profiles comes from. Points are earned only on spends up to your credit limit in each statement cycle. The welcome benefit is 500 EazyPoints and three months of EazyDiner Prime, which IndusInd values at ₹1,095. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹326 (rent-heavy) to ₹8,248 (frequent flyer), equal to 0.0% to 1.3% of spend across the profiles.
Sources
- IndusInd EazyDiner Platinum Credit Card official page official fetched 2026-10-29
- EazyDiner IndusInd Platinum benefits guide (official PDF) official fetched 2026-10-29
- CardAdvisor IndusInd EazyDiner aggregator fetched 2026-10-29
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with IndusInd Bank before you apply. Methodology.
