Home / IndusInd Bank / EazyDiner Signature Credit Card
Card Image

EazyDiner Signature Credit Card

IndusInd Bank
|
Dining Lifestyle Premium Rewards

Annual Fee

₹2,999

Rewards/₹100 ⓘ

₹0.40 - ₹1.00

Normalized to balance base rate with bonus categories

Interest Rate

46.00%

Credit Score

700+

At a Glance

Key Benefits

EazyDiner Prime membership, 25-50% dining discounts at 2000+ restaurants, Rs.7,500 Postcard Hotels voucher, 2,000 welcome EazyPoints, 10X rewards on travel/shopping/entertainment

Lounge Access

Discontinued from July 15, 2025 (previously 2 domestic visits per quarter)

Eligibility

Age: 18-65 years, Income: Rs.30K+/month, Credit Score: 700+, Salaried/Self-employed

Quick Details

Annual Fee
₹2,999 #236
Joining Fee
₹2,999 #236
Interest Rate
46.00% p.a. #260
Forex Markup
3.50% #75
Rewards/₹100
₹0.40 - ₹1.00 #190
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹100
Over Limit Fee ₹500 2.50% (min ₹500)
Cash Advance Fee ₹300 2.50% (min ₹300)
Card Replacement Fee ₹100

Reward Structure

Base

All Spends

₹0.40 /₹100
Accel

Hotels

₹1.00 /₹100
Accel

Travel Bookings

₹1.00 /₹100
Accel

Shopping

₹1.00 /₹100
Accel

Custom/Partner

₹1.00 /₹100
Partner

Fuel

₹0.00 /₹100
Partner

Dining

₹0.00 /₹100

Reward Calculator

₹
Allocate by Category100%
Hotels
10.0 pts
25%₹12,500
Travel Bookings
10.0 pts
20%₹10,000
Shopping
10.0 pts
18%₹9,000
Custom/Partner
10.0 pts
15%₹7,500
Fuel
0.0 pts
10%₹5,000
Dining
0.0 pts
7%₹3,500
Other Spends
4.0 pts
5%₹2,500
Your Rewards
Points Earned4,000
Cash Value₹400
Breakdown
Hotels1,250
Travel Bookings1,000
Shopping900
Custom/Partner750
Fuel0
Dining0
Other Spends100
Total Value₹400
Quick amounts:

Milestone Benefits

Welcome Bonus

2,000 bonus EazyPoints (worth Rs.200 at Rs.0.10 per point)

₹200

value

Welcome Bonus

Postcard Hotels stay voucher worth Rs.7,500

₹7,500

value

Welcome Bonus

Complimentary 12-month EazyDiner Prime membership (worth Rs.3,550)

₹3,550

value

Renewal Benefit

EazyDiner Prime membership auto-renewal (12 months) on annual fee payment

₹3,550

value

Milestone

Enhanced dining discount cap: Additional Rs.3,000 monthly discount (total Rs.5,000) with Rs.30K non-dining spend in previous month

Spend ₹30,000 within 30 days

₹3,000

value

Insurance Coverage

Lost Card

₹5,00,000

Total Protect: Coverage up to credit limit for fraudulent transactions within 48 hours before reporting card loss/theft. Includes counterfeit fraud protection for stolen card details.

Lifestyle Perks

Dining

Complimentary 12-month EazyDiner Prime membership (worth Rs.3,550): 25-50% discount at 2000+ premium restaurants and bars

Dining

Extra 25% PayEazy discount up to Rs.1,000 per transaction when paying via EazyDiner app (valid on dine-in and takeaway)

Dining

1 /month

Monthly dining discount cap: Base Rs.2,000/month (no spending condition) OR enhanced Rs.5,000/month with Rs.30K non-dining spend in previous month

Dining

Complimentary premium alcoholic beverage at 200+ select restaurants (filter available in app)

Custom

1 /month

1% fuel surcharge waiver on transactions between Rs.500-25,000 (maximum waiver Rs.250 per month)

Custom

1

3X EazyPoints earning on all card spends (bonus points on top of base/accelerated rewards)

Quick Analysis

The EazyDiner IndusInd Signature Credit Card has significantly lost its appeal following the July 2025 devaluation that removed lounge access, slashed reward point values by 50%, and increased the annual fee by 50%. While it still offers valuable dining discounts through the complimentary EazyDiner Prime membership and a generous Postcard Hotels voucher worth Rs.7,500, the Rs.2,999 annual fee is hard to justify for most users. The card is now primarily suitable for frequent restaurant diners in metro cities with strong EazyDiner coverage who can consistently maximize the monthly discount caps of up to Rs.5,000.

Pros

  • Complimentary EazyDiner Prime membership worth Rs.3,550
  • 25-50% dining discount at 2000+ restaurants nationwide
  • Postcard Hotels voucher worth Rs.7,500 on joining
  • 2,000 welcome bonus EazyPoints
  • 10X rewards on hotel, travel, shopping, entertainment
  • Extra 25% PayEazy discount up to Rs.1,000 per transaction
  • Spend-based monthly dining discount caps (up to Rs.5,000)
  • 1% fuel surcharge waiver up to Rs.250 per month
  • 3X EazyPoints on all card spends
  • Contactless payment enabled
  • Total Protect fraud insurance coverage
  • Complimentary alcoholic beverage at 200+ select restaurants

Cons

  • Major devaluation effective July 15, 2025
  • Airport lounge access discontinued from July 2025
  • BookMyShow movie benefits removed from July 2025
  • Air accident insurance discontinued from Dec 21, 2025
  • High annual fee of Rs.2,999 with no waiver option
  • Reward point value slashed from Rs.0.20 to Rs.0.10
  • Restricted to Visa network only (no RuPay/UPI payments)
  • Complex monthly discount caps require Rs.30K non-dining spend
  • Low base reward rate on non-category spends (0.4%)
  • Rewards expire within 12 months
  • High interest rate of 46% p.a.
  • Forex markup of 3.5% on international transactions

Best For

Frequent restaurant diners in metro cities with extensive EazyDiner Prime coverage

Not Ideal For

Those seeking lounge access, flexible rewards, travel benefits, or overall value proposition

Frequently Asked Questions

What is EazyDiner Prime membership and how does it work with this card?
EazyDiner Prime is a premium dining membership worth Rs.3,550 that comes complimentary with the EazyDiner Signature Credit Card. It provides 25-50% discounts at over 2,000+ partner restaurants and bars across India. The membership is valid for 12 months and automatically renews each year when you pay the annual fee of Rs.2,999. You can discover restaurants, make reservations via the EazyDiner app or website, and avail instant discounts when dining. The discounts are subject to monthly caps based on your spending.
What are the monthly dining discount caps introduced in July 2025?
From July 15, 2025, monthly dining discount caps were introduced: (1) Base cap of Rs.2,000 per month with no spending conditions required, and (2) Enhanced cap of Rs.5,000 per month if you spend Rs.30,000 or more on non-dining transactions in the previous calendar month. The per-transaction discount remains 25% up to Rs.1,000 per transaction. These caps apply to discounts availed through the EazyDiner Prime membership and PayEazy payments combined.
What is the PayEazy extra discount benefit?
PayEazy is the payment feature within the EazyDiner app. When you dine at partner restaurants and pay through PayEazy, you receive an extra 25% discount up to Rs.1,000 per transaction. This is in addition to your EazyDiner Prime membership discount. The PayEazy discount works on both dine-in and takeaway orders, providing maximum savings when combined with the Prime membership benefits. This feature has unlimited usage per month but counts toward your overall monthly discount cap.
What happened to the lounge access and other benefits in July 2025?
The EazyDiner Signature Credit Card underwent a major devaluation effective July 15, 2025. Key changes include: (1) Domestic airport lounge access discontinued (previously 2 visits per quarter or 8 per year), (2) BookMyShow movie ticket benefits removed (previously Rs.400 worth per month), (3) Annual fee increased from Rs.1,999 to Rs.2,999, (4) Reward point value reduced from Rs.0.20 to Rs.0.10 per point, and (5) Monthly dining discount caps introduced. Additionally, Personal Air Accident Insurance was discontinued across all IndusInd cards from December 21, 2025.
How do I earn reward points and what is their redemption value?
You earn EazyPoints as follows: (1) 10 points per Rs.100 spent on hotels, travel bookings, shopping, and entertainment (1% value), (2) 4 points per Rs.100 on all other spends except fuel and dining (0.4% value), and (3) 3X EazyPoints multiplier on all eligible spends. After the July 2025 devaluation, 1 EazyPoint = Rs.0.10 (reduced from Rs.0.20). Points can only be redeemed on the EazyDiner app for paying restaurant bills, hotel stays, or exclusive dining events. Reward points expire after 12 months from the date of earning.
What welcome benefits do I receive upon card approval?
New cardholders receive substantial welcome benefits: (1) 2,000 bonus EazyPoints worth Rs.200, (2) Postcard Hotels stay voucher worth Rs.7,500 (valid for 1 year from issuance), and (3) Complimentary 12-month EazyDiner Prime membership worth Rs.3,550. These benefits collectively provide value of approximately Rs.11,250, which helps offset the Rs.2,999 joining fee. The Postcard Hotels voucher can be used at participating Postcard Hotels properties across India.
Is there an annual fee waiver option available?
No, the EazyDiner IndusInd Signature Credit Card does not offer any spending-based annual fee waiver. You must pay Rs.2,999 + GST (approximately Rs.3,539) both as joining fee and as annual renewal fee each year. However, when you pay the renewal fee, your EazyDiner Prime membership (worth Rs.3,550) automatically renews for another 12 months, which provides some value justification for frequent restaurant diners.
What insurance coverage is currently included with this card?
The card includes Total Protect fraud protection that covers up to your credit limit (maximum Rs.5 lakhs) for fraudulent transactions if you report card loss or theft within 48 hours. This includes counterfeit fraud protection for cases where card details are stolen and used fraudulently. Note: Personal Air Accident Insurance coverage (previously up to Rs.25 lakhs) has been discontinued across all IndusInd Bank credit cards effective December 21, 2025.
What is the fuel surcharge waiver benefit?
The card offers 1% fuel surcharge waiver on fuel transactions between Rs.500 and Rs.25,000 at all fuel stations across India. The waiver benefit is capped at Rs.250 per billing cycle/month. This means you can save the 1% surcharge that fuel stations typically charge on credit card transactions, up to the monthly limit. Note that fuel purchases do not earn any reward points.
What are the eligibility criteria and how do I apply?
Eligibility requirements: (1) Age between 18-65 years, (2) Minimum monthly income around Rs.30,000 for salaried individuals, (3) Credit score of 700 or above recommended, (4) Must be Indian resident (salaried or self-employed). Required documents include proof of identity (PAN Card, Aadhaar, Passport), proof of address (utility bills, bank statements, Aadhaar), and income proof (salary slips, ITR, Form 16). You can apply online through the IndusInd Bank official website or the EazyDiner website. Processing typically takes 7-10 business days.
What are the foreign transaction charges and international usage benefits?
The card charges a foreign currency markup fee of 3.5% on all international transactions (both online and offline). This is applied on top of the base currency conversion rate. While the card supports international usage and is accepted at Visa-enabled merchants worldwide, it does not offer any special benefits like reduced forex markup or international lounge access. For frequent international travelers, this may not be the most cost-effective option.
How does the complimentary alcoholic beverage benefit work?
As an EazyDiner Prime member, you get access to complimentary premium alcoholic beverages at over 200+ select restaurants. This benefit can be availed by using the "Free Drink" filter in the EazyDiner app when searching for restaurants. When you make a reservation at these participating restaurants, you can claim one complimentary premium alcoholic drink per visit. This is separate from the dining discount benefits and provides additional value for those who enjoy alcoholic beverages.

User Reviews

Our Rating

3.0
APPLY NOW

on IndusInd Bank's website

Rating Breakdown

Rewards
3.1/5 Top 79%
Benefits
3.0/5 Top 32%
Fees
2.8/5 Top 81%
Value for Money
3.3/5 Top 51%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for EazyDiner Signature Credit Card?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Apply Now
APPLY NOW

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare