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  1. Home
  2. Credit Cards
  3. IndusInd Bank
  4. EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card Credit Card
IndusInd Bank logo
IndusInd BankVisa Network
Verified
Direct Bank Application via Official Issuer Portal
Dining
4.5/5 Editorial Score

EazyDiner IndusInd Platinum Credit Card

Lifetime Free Dining Card — Up to 20% Dining Discount via PayEazy & Zero Annual Fee

Best Suited For

Casual diners, food enthusiasts, and budget-conscious restaurant patrons looking for guaranteed restaurant bill discounts with zero annual maintenance fees forever.

Dining
Joining Fee

Free

One-time upfront
Annual Fee

Free

Lifetime Free — no renewal fee
Base Rewards

2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends

On eligible spends
Forex Markup

3.50% + GST

Cross-currency spends
Apply NowCompare Card

Last verified 17 Sept 2026

Why Consider This Card?

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

Editorial Verdict

4.5/5 Editorial Score

The EazyDiner IndusInd Platinum Credit Card is designed as a frictionless, entry-level dining companion, offering restaurant savings with **Zero Joining Fee and Zero Annual Renewal Fee Forever (Lifetime Free)**. In contrast to the paid EazyDiner IndusInd Signature variant (which charges ₹1,999 annually and bundles EazyDiner Prime), the Platinum card delivers core dining savings with absolutely zero ongoing financial liability. The central benefit of the card is an **instant 20% discount (up to ₹500 per transaction)** when settling restaurant bills through PayEazy on the EazyDiner mobile app, valid up to twice every calendar month with a minimum bill size of ₹2,000. For an individual or couple dining out twice a month, this yields up to **₹1,000 in monthly restaurant savings** (₹12,000 annually) on dining bills that would otherwise be paid at full price. On general retail spending, the card earns 2 Reward Points per ₹100 spent (0.40% to 0.50% effective return), and new cardholders receive 500 bonus EazyPoints upon activation. As an entry-level LTF card, it predictably excludes luxury perks: there is no complimentary airport lounge access, no free EazyDiner Prime membership, and foreign currency markup remains at 3.50%. However, because the card carries zero ongoing costs and requires no spend targets to maintain, keeping it in your wallet solely for PayEazy dining discounts is a financially sound, no-downside decision.

Ideal For:Casual diners, food enthusiasts, and budget-conscious restaurant patrons looking for guaranteed restaurant bill discounts with zero annual maintenance fees forever.
Dining

Card Strengths

  • 100% Lifetime Free (LTF) credit card with zero joining fee and zero annual charges forever
  • Up to 20% instant dining discount (up to ₹500 off twice per month) via PayEazy on EazyDiner
  • Earns 2 Reward Points per ₹100 spent across all standard shopping transactions
  • 500 bonus EazyPoints credited on card activation to redeem for restaurant deals
  • Built-in 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000

Things to Keep in Mind

  • Does not include complimentary EazyDiner Prime membership (unlike the paid Signature card)
  • Instant dining discount capped at ₹500 per transaction and maximum 2 times per month
  • Requires a minimum transaction amount of ₹2,000 to trigger the 20% discount
  • No domestic or international airport lounge access provided on this variant

Additional Cardholder Privileges

Rewards
Rewards

2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends

Welcome
Welcome Benefit 1

3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints

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
2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
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 CategoryEarn RateReward CapConditions
Dining Spends4 Reward Points per ₹100 spent on diningNo CapStandard terms apply
Other Spends2 Reward Points per ₹100 spentNo CapStandard terms apply
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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.
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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 Spends0.80%
No published cap
₹
Other Spends0.40%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
Dining Spends₹12,0004 Reward Points per ₹100 spent on dining—NoneCalculating... Under cap
Other Spends₹18,0002 Reward Points per ₹100 spent—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

₹0

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).
Multi-card comparator

Airport Lounge Access

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

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

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

1. Card Membership Fees

Joining Fee (1st Year)
Free
Annual / Renewal Fee (2nd Year Onwards)
Free
Annual Spend Fee Waiver
Lifetime Free — no renewal fee
Fee Terms Notes
Lifetime Free (₹0 joining fee, ₹0 annual renewal fee forever). Up to 20% dining discount via PayEazy.

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: ₹0 (Lifetime Free - LTF). • Annual Renewal Fee: ₹0 (Lifetime Free - LTF forever). • Spend-Based Fee Waiver: Not applicable (100% Lifetime Free card). • Welcome Benefit: 500 bonus EazyPoints credited on card activation, redeemable for restaurant vouchers. • Dining Discount: Up to 20% instant discount (up to ₹500 off per transaction) via PayEazy on the EazyDiner app. • Dining Discount Frequency: Applicable up to 2 times per calendar month on minimum bill amounts of ₹2,000. • General Retail Rewards: 2 Reward Points per ₹100 spent on all standard POS and online retail purchases. • Reward Point Value: 1 Reward Point ≈ ₹0.20 to ₹0.25 when redeemed for vouchers or statement credit. • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across petrol pumps. • Lounge Access: None (neither domestic nor international lounge access included). • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions. • Finance Charges (APR): 3.83% per month (46.00% annualized) on revolving balances.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free 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 Platinum Credit Card application, fees, reward redemption, and eligibility

Is the EazyDiner IndusInd Platinum Credit Card really free forever?
Yes. The EazyDiner IndusInd Platinum Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee for life, without any minimum annual spend conditions required to maintain fee-free status.
How do I get the 20% discount on restaurant bills?
To receive the 20% instant discount, you must reserve your table and pay your food bill using PayEazy within the EazyDiner mobile app with your EazyDiner IndusInd Platinum Card. The discount is applied instantly at checkout up to a maximum of ₹500 per transaction on bills of ₹2,000 or more, valid up to twice every calendar month.
Does this card include complimentary EazyDiner Prime membership?
No. The Lifetime Free Platinum variant does not include complimentary EazyDiner Prime membership. If you require guaranteed 25% to 50% Prime restaurant discounts and free alcoholic beverages, consider the paid EazyDiner IndusInd Signature Credit Card (₹1,999/yr), which includes annual Prime membership.
Does EazyDiner IndusInd Platinum include airport lounge access?
No. The Platinum variant does not offer complimentary airport lounge access. If you need lounge access along with dining benefits, the paid EazyDiner Signature card includes 2 complimentary domestic lounge visits per calendar quarter.
What is the joining and annual renewal fee for EazyDiner IndusInd Platinum Credit Card?
The joining fee for EazyDiner IndusInd Platinum Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on EazyDiner IndusInd Platinum Credit Card be waived?
EazyDiner IndusInd Platinum Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.
What are the primary rewards and cashback earn rates on EazyDiner IndusInd Platinum Credit Card?
EazyDiner IndusInd Platinum Credit Card offers 2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does EazyDiner IndusInd Platinum Credit Card offer complimentary airport lounge access?
No, EazyDiner IndusInd Platinum Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.

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DIRECT BANK APPLICATION

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Direct online application on the official IndusInd Bank portal with paperless verification.

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