EazyDiner IndusInd Bank Credit Card Review

EazyDiner IndusInd Bank Credit Card Review

EazyDiner IndusInd Bank Credit Card

EazyDiner in partnership with IndusInd Bank has recently launched a dining credit card on Visa platform to tap the segment that enjoys dining at restaurants.

The EazyDiner IndusInd Credit Card gives deep discounts on dining bills to cardholders and this is done through EazyDiner Prime membership & discounts when paid through the co-brand card on the PayEazy platform inside the Eazydiner app.

If you’re a frequent diner, you’ve just found the best dining credit card in India or in the world for that matter. Let’s see how and why!

Table of Contents


Type Dining Credit Card
Reward Rate Upto 50% Off on Dining + upto 2% rewards on spends
Annual Fee 1,999 INR+GST
Best for EazyDiner discounts & movie benefit
USP Redeeming RP’s on EazyDiner App directly

I’ve been waiting for a dining credit card for quite some time because this is one of the major out-of-pocket expense for me when I travel. While my stays are taken care by reward points, food expenses are always payable.

So it’s lovely to see a card that has the ability to walk-in to a fine-dining restaurant, enjoy a healthy meal and walk out with zero out-of-pocket spends.

Sounds like a magic isn’t it? Well, it’s not. If you’re wondering how, here’s the complete review of EazyDiner IndusInd Bank Credit Card.


Joining Fee 1,999 INR+GST
Welcome Benefit EazyDiner Prime & 2 more benefits (as below)
Renewal Fee 1,999 INR+GST
Renewal Benefit EazyDiner Prime & 2 more benefits (as below)
Renewal Fee waiver Nil

We get 3 welcome benefits with the card and here are they:

  1. EazyDiner Prime Membership: Gives ~25% discount at most restaurants in metro cities. (worth ~2500 INR, offsets the fee)
  2. EazyPoints (2000 Points): It’s the EazyDiner currency and the value is dynamic, ideally worth ~400 INR in low use case, but might be valued much more if you dine a lot.
  3. Postcard Hotel Voucher (5000 INR): Postcard hotels are bit expensive, so you may assume that the voucher sort of covers your food component during the day.

As you can see, the EazyDiner Prime membership is the primary welcome benefit and is totally worth it. While 2000 EazyPoints is fine, it would be nice if it was 2000 regular points.

Postcard Hotel voucher of 5K INR is good but not sufficient enough to encourage redemptions, as these hotels usually cost north of 30K INR a night.


The EazyDiner IndusInd Credit Card comes with two types of rewards:

  • EazyDiner Rewards: They’re called EazyPoints, earned on dining & few other activities. Tough to earn, as we need to spend that much with EazyDiner.
  • IndusInd Rewards: They’re the regular IndusInd Reward Points but can’t be redeemed on IndusMoments. These points can be redeemed in realtime against the restaurant bill on EazyDiner through PayEazy platform.

Below are the IndusInd Rewards earn rates on different types of spends done through EazyDiner credit card.

Accelerated Spends Shopping, dining and entertainment 10 RP’s on every 100 INR 2%
Regular Spends Except fuel 4 RP’s on every 100 INR 0.8%
  • 1 Reward Point = 0.20 INR (redeemable on app, to pay restaurant bill)
  • 1 EazyPoint = 0.20 – 1 INR (Dynamic, redeemable on app for select vouchers)
  • 3X EazyPoints on dining spends.

“Shopping” refers to both online/offline shopping, though the challenge is that some merchants in India don’t categorise their store properly.

But I hope it works as expected.

If you’re in a doubt, you may always do a test transaction before going for a high value txn. Fortunately, IndusInd Bank reports the merchant category type for every txn in the credit card statement.

PayEazy Benefit

  • Additional 25% Off on the Dining bill
  • Max Cap: Rs.1000 per bill (Bill value equivalent: Rs.4000)
  • Cooling period between transactions: 2 hrs
  • No min. spend requirement

Apart from the EazyDiner Prime benefit, you get additional 25% discount on paying through PayEazy. This is the most important benefit to maximize your savings on the card.

EazyDiner has been quite aggressive on PayEazy linked offers already and the 25% off (without monthly limits) on top of 25% off via EazyDiner Prime is definitely a wonderful deal that can give you a nice ~45% savings on the bill.

If you think that’s great, well, it doesn’t end there!

You can as well redeem your reward points accumulated on this card for paying the remaining bill. For a bill amount of 3000 INR, the numbers look something like this:

Bill Amount 3,000 INR
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