IndusInd BankVisa Network

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Travel Dining Airport Lounge

4.6/5 Editorial Score

EazyDiner IndusInd Bank Credit Card

India's #1 Dining Credit Card with Guaranteed 25% to 50% Restaurant Savings

Best Suited For

Foodies, frequent restaurant diners, and socialites who want maximum direct table discounts on eating out and weekend cinema privileges.

Travel Dining Airport Lounge

Joining Fee

₹1,999

One-time upfront

Annual Fee

₹1,999

Waived on ₹2.5 lakh annual spend

Base Rewards

10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)

On eligible spends

Airport Lounge

8 Domestic visits/year

Complimentary visits

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See where this card gets lounge access

Last verified 17 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.6/5 Editorial Score

The EazyDiner IndusInd Bank Credit Card is widely recognized as the undisputed champion of dining credit cards in India. While most cards offer modest 5% to 10% food delivery cashback with strict monthly caps, the EazyDiner IndusInd card attacks the highest-ticket component of food expenditure: table dining at premium restaurants, luxury five-star hotels, and trendy cafes. By bundling a complimentary 1-Year EazyDiner Prime Membership (worth ₹2,950) with an additional 25% instant discount (up to ₹1,000 per transaction) on every bill paid via PayEazy, cardholders routinely save 25% to 50% on every meal. What makes this benefit truly extraordinary is its lack of friction: there is no minimum billing requirement, and the discount can be used multiple times a month across thousands of partner restaurants in Mumbai, Delhi-NCR, Bengaluru, Goa, Kolkata, and beyond. Beyond restaurant bills, the card earns 10 Reward Points per ₹100 spent on dining, shopping, and entertainment (a 2.0% reward rate, where 1 Point = ₹0.20 against instant hotel/dining bookings), and 4 points per ₹100 on other spends. The card further cements its lifestyle appeal with 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually) and 2 complimentary movie tickets per month on BookMyShow (up to ₹200 per ticket, total ₹400/month). The annual fee of ₹1,999 (plus GST) is recouped on just two or three restaurant dinners, and is completely waived on spending ₹2,50,000 annually. For anyone who dines out even once or twice a month, this card is virtually an automatic recommendation.

Ideal For:Foodies, frequent restaurant diners, and socialites who want maximum direct table discounts on eating out and weekend cinema privileges.

Travel Dining Airport Lounge

Card Strengths

Extra 25% instant discount up to ₹1,000 on every dining bill paid via PayEazy with no minimum spend
Complimentary 1-Year EazyDiner Prime Membership worth ₹2,950 renewed every year
8 complimentary domestic airport lounge visits per year (2 per calendar quarter)
2 complimentary movie tickets per month on BookMyShow (up to ₹200 per ticket)
Annual fee of ₹1,999 easily offset within the first two or three restaurant dinners

Things to Keep in Mind

Instant dining discount is capped at ₹1,000 per transaction
PayEazy discounts apply only at registered EazyDiner partner restaurants
Annual fee waiver requires spending ₹2,50,000 in the anniversary year
Standard 3.5% foreign currency transaction fee applies abroad

Additional Cardholder Privileges

Rewards

10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)

Welcome

Welcome Benefit 1

2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth ₹7,500

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: EazyDiner Rewards
Reward Currency: Reward Points
Base Earn Rate: 10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)
Point Value (INR): ₹0.2000 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Dining, Shopping & Entertainment	10 Reward Points per ₹100 spent on dining, entertainment and shopping (1 RP = ₹0.20)	No Cap	Standard terms apply
Other Spends	3 Reward Points per ₹100 spent	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Dining, Shopping & Entertainment10.00%

No published cap

₹

Other Spends3.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Dining, Shopping & Entertainment	₹12,000	10 Reward Points per ₹100 spent on dining, entertainment and shopping (1 RP = ₹0.20)	—	None	Calculating...	Under cap
Other Spends	₹18,000	3 Reward Points per ₹100 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,999

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1999 annual fee.

Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹30,000per year

Worth ₹400

Welcome Spend Milestone

Earn 2,000 bonus EazyPoints on spending Rs 30,000 within the first 90 days of card issuance.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 8 complimentary visits per year
Spend Requirement: No spend requirement

2 complimentary domestic airport lounge visits per calendar quarter.

International Lounge Access

Global airports outside India

None

Complimentary Visits: Not available
Spend Requirement: Unavailable
Access Type: International Lounge Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance8 Domestic visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹1,999
Annual / Renewal Fee (2nd Year Onwards): ₹1,999
Annual Spend Fee Waiver: Waived on ₹2.5 lakh annual spend
Fee Terms Notes: ₹1,999 joining and annual fee; includes EazyDiner Prime; waived on spending ₹2,50,000.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹1,999 + 18% GST (includes 1-year complimentary EazyDiner Prime membership worth ₹2,950 + 2,000 bonus EazyPoints + ₹1,000 Postcard Hotel voucher). • Annual Renewal Fee: ₹1,999 + 18% GST from Year 2 onwards (accompanied by annual EazyDiner Prime renewal). • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹2,50,000 or more in the preceding anniversary year. • Prime Dining Discount: Guaranteed 25% to 50% discount at partner restaurants across India via EazyDiner Prime. • PayEazy Instant Discount: Extra 25% instant discount up to ₹1,000 on every dining bill paid via PayEazy through the EazyDiner app (no minimum spend required). • Reward Rate: 10 Reward Points per ₹100 spent on dining, shopping, and entertainment (2.0% reward rate; 1 Point = ₹0.20); 4 points per ₹100 on all other retail spends (0.80% return). • Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per calendar year). • Movie Tickets: 2 complimentary movie tickets per month on BookMyShow (up to ₹200 per ticket, max ₹400 monthly savings). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.83% per month (46.0% annualized).

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,999 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding EazyDiner IndusInd Bank Credit Card application, fees, reward redemption, and eligibility

How does the PayEazy 25% instant dining discount work?

When dining at any partner restaurant on the EazyDiner app, pay your bill through PayEazy using your EazyDiner IndusInd Credit Card. You receive an instant 25% discount up to ₹1,000 off your bill. This discount stacks on top of existing restaurant discounts and has no minimum spend requirement.

Is the EazyDiner Prime membership free every year?

Yes, you receive a complimentary 1-Year EazyDiner Prime Membership upon card activation, which is automatically renewed each year upon payment of the annual renewal fee or upon achieving the spend-based fee waiver.

How many airport lounge visits and movie tickets are included?

The card includes 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) and 2 complimentary movie tickets per month on BookMyShow (up to ₹200 per ticket, total ₹400/month).

What is the annual fee waiver threshold on EazyDiner IndusInd?

The annual fee of ₹1,999 is completely waived if you spend ₹2,50,000 or more on eligible retail transactions in the previous card anniversary year.

What is the joining and annual renewal fee for EazyDiner IndusInd Bank Credit Card?

The joining fee for EazyDiner IndusInd Bank Credit Card is ₹1,999 (one-time), and the annual renewal fee is ₹1,999 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on EazyDiner IndusInd Bank Credit Card be waived?

Yes, the annual renewal fee of ₹1,999 is waived upon achieving annual spends of ₹2.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on EazyDiner IndusInd Bank Credit Card?

EazyDiner IndusInd Bank Credit Card offers 10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does EazyDiner IndusInd Bank Credit Card offer complimentary airport lounge access?

Yes, EazyDiner IndusInd Bank Credit Card provides 8 Domestic visits/year.