IndusInd Bank EazyDiner Credit Card Review

Author And Publisher: Gyro 3.o
15.11.2025 04:31 PM - Comment(s)

IndusInd Bank EazyDiner Credit Card

IndusInd Bank EazyDiner Credit Card

IndusInd Bank EazyDiner Credit Card Review: Up to 50% Dining Discounts, Luxury Hotel Stays & Rewarding Meals

introduction

The IndusInd Bank EazyDiner Credit Card is purpose-built for food connoisseurs, frequent diners, and restaurant enthusiasts who crave premium dining experiences at remarkable discounts. Co-branded with EazyDiner—India's leading food discovery and reservation platform—this card transforms everyday meals into extraordinary value through guaranteed restaurant discounts, accelerated rewards, complimentary beverages, and luxury hotel stays. Ideal for affluent urban professionals, foodies, entertainment seekers, and those who view dining as a lifestyle centerpiece rather than mere sustenance.

key features and benefits


Welcome Benefits

  • Enjoy 12 months EazyDiner Prime membership worth INR 3,550. Enjoy GUARANTEED 25% up to 50% OFF at over 2000+ premium restaurants & bars.
  • Unlock more Prime-exclusive benefits like 3X EazyPoints and redeem them for FREE luxury hotel stays & FREE meals & exclusive EazyEvents.
  • 2000 welcome bonus EazyPoints.
  • The Postcard Hotel stay voucher worth INR 7,500: Escape to the Postcard Hotel and enjoy an intimate and luxurious holiday at stunning destinations across India and the world.

Rewards on Spends

  • Earn 10 Reward Points on every ₹100 spent on Hotel and Travel booking, shopping and entertainment.
  • Earn 4 Reward Points on every Rs 100 spent on all other spends (Except fuel and dining).
  • Get 3X EazyPoints using your EazyDiner IndusInd Bank Credit Card.
  • Instant redemption of Reward Points against restaurant bills for extra discount.
  • Redeem EazyPoints for FREE hotel stays, meals & exclusive restaurant events across the country.

Dining Benefits

  • Avail an extra 25% off up to INR 1,000 on each transaction, when you eat out and pay on the “ EazyDiner App”.
  • In a month, the discount is capped at INR 2,000 without any spends criteria. To unlock additional discount of INR 3,000 in the same month. Spend INR 30,000 in previous calendar month on non- dining transactions.
  • Total Discount that can be availed in a month is maximum of INR 5,000.
  • Extra 25% OFF will NOT be applicable if the bill is paid using any other payment mode i.e. payment done using EazyDiner IndusInd Bank Credit Card physically, other cards, UPI, wallets etc.
  • The discount will be auto applied on the EazyDiner App and there is no need to enter any promo code.
  • Extra 25% off will not be applicable if consecutive transactions are made at the same restaurant within the gap of 120 minutes or less.
Premium Alcoholic Beverages
  • Every diner gets a complimentary premium alcoholic beverage at over 200 select restaurants. Pair your favourite nibbles with exotic tipples. Please visit the EazyDiner App to view the select restaurants where this offer is applicable.
  • Complimentary premium alcoholic beverage is available for each diner at select restaurants only.
  • These select restaurants can be viewed using the ‘Free Drink’ filter on the restaurant listing page.
  • The offer is applicable if the restaurant booking is done using the EazyDiner App.

Insurance Coverage

  • Total Protect Fraud Coverage: Protection equal to your full credit limit for fraudulent transactions.

  • A complimentary personal air accident insurance cover of up to ₹ 25,00,000

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Fees And Charge Table

Card Essential

Type:- Rewards Points

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Welcome Benefits:-12-month Prime + 2,000 EazyPoints + ₹7,500 Postcard voucher
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Joining Fee:- ₹2,999 + GST
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  Annual Fee:- ₹2,999 + GST
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Reward Structure:- rewards on SPENDS
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Renewal Benefit:- n/a
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Interest Rate:- Monthly- 3.83% ; Annually- 46%

Rewards and Benefits Analysis

  • Best for: This card works best for those who spend over ₹30,000 each quarter (excluding dining), as it unlocks monthly discounts of up to ₹5,000 and enhances savings when combined with Prime benefits. It may not suit frequent international travelers due to the absence of lounge access and forex charges. However, it’s an excellent choice for food lovers, offering EazyDiner Prime deals at top restaurants, complimentary beverages for a well-rounded lifestyle. While it lacks golf benefits, its partnerships with luxury hotels like Postcard Resorts and premium dining privileges make it ideal for users who enjoy a refined lifestyle.

  • Real Value Example:

    • Dine at a ₹8,000 restaurant bill with Prime membership and EazyDiner App payment;

    • Prime discount (avg. 30%): ₹2,400 saved.

    • Extra app discount (25% up to ₹1,000): ₹1,000 saved.

    • Complimentary beverage value: ₹500 estimated.

    • Reward Points (₹8,000 × 3X): 2,400 EazyPoints = ₹240 value.

    • Total savings: ₹4,140 on ₹8,000 bill (52% effective discount).

    • Annual fee (₹2,999) recovered in approximately 3 high-value dining occasions.

  • Extra Perks: Fuel surcharge waiver (1%), fraud protection, year-end spending summary, complimentary premium beverages, luxury hotel partnership (Postcard), contactless security.

  • Limitations: extra discounts require EazyDiner App payment (not physical card), dining spends excluded from milestone bonuses, consecutive restaurant transactions within 120 minutes forfeit extra discount.

Practical Considerations

Fees & Charges (Summary):

  • ₹2,999 joining and annual fees; break-even achieved within 2-3 high-value dining occasions.

  • Fuel surcharge waiver (1%) provides consistent monthly savings.

Eligibility:

  • Existing and new IndusInd Bank customers eligible.

  • Strong credit profile recommended for approval and optimal terms.

Potential Limitations / Transaction Charges:

  • Extra discount capped at ₹1,000 per transaction and ₹5,000 monthly maximum.

  • Complimentary beverages limited to 200+ select restaurants (not all EazyDiner partners).

Redemption Options

  • EazyDiner App Redemption Platform:
    • Reward Points redeemed instantly at checkout via PayEazy during restaurant payment or through the redemption catalogue for free meals, luxury hotel stays, and EazyDiner experiences.
  • Best Value Strategy:
    • Maximize value by combining Prime membership discounts, extra app-based discounts, and instant Reward Point redemption simultaneously at checkout. Redeem points on high-bill transactions for maximum tangible savings rather than cashback, ensuring highest per-point value.

Ideal User Profile

  • Urban foodies and fine dining enthusiasts in metro cities.

  • High-income professionals (₹25 lakh+ annually) with dining budgets.

  • Frequent restaurant reservation planners using EazyDiner ecosystem.

  • Those valuing luxury hotel experiences and culinary tourism.

  • Entertainment-focused individuals combining dining with entertainment spending.

Final Thoughts

Strengths
  • Up to 50% Prime + 25% app discount on dining (₹5,000 monthly cap).
  • Free annual EazyDiner Prime membership worth ₹3,550.
  • Complimentary premium beverages at 200+ fine dining spots.
  • 3X EazyPoints, instant redemption, and lounge access every quarter.

Limitations
  • App payment mandatory for full discounts; card swipes miss benefits.
  • Dining spends excluded from milestone bonuses—limits reward potential.

Verdict:
An outstanding specialized card for dedicated foodies and frequent EazyDiner users. The ₹2,999 annual fee is recovered through dining discounts and luxury hotel value within weeks for active diners. However, value realization demands disciplined app-based payment usage and realistic dining budget expectations. Recommended for high-income urban professionals committed to premium dining experiences and EazyDiner ecosystem engagement; less suitable for casual diners or travel-focused spenders.

Additional Tips for Applicants

  •  Maintain a strong credit profile to improve approval chances and secure higher credit limits.
  • Spend ₹30,000 monthly on non-dining categories to unlock the full ₹5,000 discount cap.
  • Book via EazyDiner and pay with PayEazy to stack Prime, card discounts, and point redemptions for maximum value.
  • Avoid dining overspend—treat rewards as enhancements to planned budgets, not incentives to exceed them.

This review offers a clear and balanced overview of The IndusInd Bank EazyDiner Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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