EazyDiner Platinum Credit Card

Yes, the EazyDiner IndusInd Bank Platinum Credit Card is a lifetime free (LTF) offering with no joining fee or annual renewal fee. You can use the card indefinitely without paying any membership fees, making it an excellent entry-level card for those just starting their credit journey or looking for a no-cost dining benefits card.

You get 2 complimentary visits to domestic airport lounges in India per calendar quarter, totaling 8 visits per year. Access is provided to lounges across major Indian airports. Your card must be validated at the lounge entry point with a nominal transaction of Rs.2. Note that international lounge access is not available on the Platinum variant.

You receive a complimentary 3-month EazyDiner Prime membership upon card activation (worth Rs.1,095). The membership provides 25-50% guaranteed discounts at 2,000+ partner restaurants and bars across India. To renew the membership for another 3 months, you need to spend Rs.30,000 in any 90-day period (excluding dining and ATM spends). If you maintain this spending level, you effectively get a year-round Prime membership at no cost.

When you dine at EazyDiner partner restaurants and pay through the PayEazy feature in the EazyDiner app, you get an extra 20% discount up to Rs.500 per transaction. This is over and above your EazyDiner Prime membership discount. However, this benefit is capped at 3 transactions per calendar month, unlike the Signature variant which offers higher caps and unlimited usage.

You earn 2 EazyPoints per Rs.100 spent on most purchases (worth Rs.0.40 as 1 point = Rs.0.20), and 0.7 points per Rs.100 on utilities, insurance, rent, and government spends. Fuel purchases earn no points. Additionally, you get 2,000 bonus points (worth Rs.400) every time you spend Rs.30,000 in a 90-day period. Points can be redeemed only on the EazyDiner app for restaurant bills, hotel stays, or exclusive events. Points expire after 12 months.

Upon approval and activation, you receive: (1) 500 bonus EazyPoints worth Rs.100, and (2) 3-month complimentary EazyDiner Prime membership worth Rs.1,095. These benefits activate immediately and provide instant value, especially considering this is a lifetime free card.

The Platinum is the entry-level variant while Signature is premium. Key differences: Platinum is lifetime free vs Signature Rs.2,999 annual fee; Platinum offers 3-month Prime vs Signature 12-month Prime; Platinum has lower rewards (2 points vs 4-10 points per Rs.100); Platinum has Rs.500 PayEazy cap (3x/month) vs Signature Rs.1,000 cap (unlimited); Platinum offers 2 domestic lounge visits/quarter while Signature had lounge access (discontinued July 2025). Choose Platinum if you want zero fees and basic benefits, Signature if you dine out frequently and can justify the annual fee.

Eligibility: Age 18-65 years, minimum monthly income around Rs.25,000 (salaried or self-employed), credit score 650+, resident of India. Required documents: Proof of identity (PAN Card, Aadhaar, Passport, Voter ID), proof of address (Aadhaar, utility bills, bank statements, rental agreement, driving license), and income proof (salary slips, ITR, Form 16, bank statements). Apply online through IndusInd Bank or EazyDiner website.

The card includes: (1) Personal Air Accident Insurance up to Rs.25 lakhs when flight tickets are booked with the card, and (2) Total Protect fraud protection covering up to your credit limit for fraudulent transactions if you report card loss within 48 hours of noticing the loss. Counterfeit fraud protection is also provided for cases where card details are stolen and used fraudulently.

Fuel: You get 1% fuel surcharge waiver on transactions between Rs.400 and Rs.4,000 at fuel stations, capped at Rs.250 per month. Note that fuel purchases do not earn reward points. Movies: You receive 2 free movie tickets worth Rs.200 each on BookMyShow every quarter. These benefits add value beyond the core dining benefits.