In-depth review
IndusInd Bank EazyDiner Signature Credit Card
For people who genuinely dine out — sit-down restaurants, not delivery — the single highest-saving dining card in India. Built around EazyDiner Prime, it delivers up to 50% off at 2,000+ partner restaurants, so a couple of dinners a month can cover the fee. The whole value rests on one question: are your favourite restaurants actually on EazyDiner? Check the app before you apply.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
25% cashback at PayEazy-enabled EazyDiner restaurants
25% instant discount up to ₹1,000 per transaction when the bill is paid via PayEazy in the EazyDiner app. Capped ₹2,000 a month, lifting to ₹5,000 if you spent ₹30,000 on non-dining in the previous calendar month. Does not apply if you pay at the restaurant or swipe the card.
1% on Online Shopping
10 Reward Points per ₹100 on shopping and entertainment (1% at ₹0.10 a point) — two and a half times the 4-point base. IndusInd states the tier verbatim on the product page.
🍽️ FOOD & DINING BENEFITS
This card is built for EazyDiner users — here's what you get.
25.0%
Dining cashback rate
EazyDiner
Co-brand partner
PARTNER PLATFORMS
- Exclusive co-brand benefits with EazyDiner
- 25% cashback on dining and food delivery
- Accelerated earn on: PayEazy-enabled EazyDiner restaurants
For frequent fine-dining enthusiasts who use the EazyDiner app to book AND pay for restaurant tables. If you spend ₹8,000+/month dining at PayEazy-enabled partners, the 25% discount is the highest restaurant saving of any credit card in India. Travel and shopping earn a respectable 1% alongside.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.10. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at PayEazy-enabled EazyDiner restaurants | cashback | 25% | ₹2,000 |
| Online Shopping | reward points | 1%10 pts/₹100 × ₹0.10 | — |
| Travel | reward points | 1%10 pts/₹100 × ₹0.10 | — |
| Other | reward points | 0.4%4 pts/₹100 × ₹0.10 | — |
Dining: 25% instant discount up to ₹1,000 per transaction when the bill is paid via PayEazy in the EazyDiner app. Capped ₹2,000 a month, lifting to ₹5,000 if you spent ₹30,000 on non-dining in the previous calendar month. Does not apply if you pay at the restaurant or swipe the card. · PayEazy-enabled EazyDiner restaurants
Online Shopping: 10 Reward Points per ₹100 on shopping and entertainment (1% at ₹0.10 a point) — two and a half times the 4-point base. IndusInd states the tier verbatim on the product page.
Travel: 10 Reward Points per ₹100 on hotel and travel bookings (1% at ₹0.10 a point) — two and a half times the 4-point base. IndusInd states the tier verbatim on the product page.
Other: 4 Reward Points per ₹100 (0.4% at ₹0.10 a point) on all other spends, excluding fuel and dining, which earn no Reward Points. Halved in the July 2025 revision.
Earns nothing on: Fuel
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Finance charge (APR) | 3.83% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹300/yr in total.
1% fuel surcharge waiver across fuel stations in India, on transactions from ₹500 to ₹3,000, capped at ₹250 a statement cycle. IndusInd's 5-May-2024 fuel notice names this card in that row.
Should you get it?
- Best for: Restaurant-first lifestyle — dines out 3+ times per week, Uses EazyDiner app to discover and book tables, Corporate team lunches and client dinners, Urban professional in Mumbai, Delhi, or Bengaluru where EazyDiner network is densest
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (1% back; 25% only at PayEazy-enabled EazyDiner restaurants).
Pros & cons
✓ Pros
- 25% off the dining bill, up to ₹1,000 a transaction, at PayEazy-enabled EazyDiner restaurants — a ₹2,500 table saves ₹625
- Complimentary 12-month EazyDiner Prime (IndusInd values it at ₹3,550) for guaranteed 25% up to 50% deals, stacking on the PayEazy discount
- A complimentary premium alcoholic beverage for each diner at 200+ select restaurants, when the table is booked through the EazyDiner app
- Welcome benefits repeat on renewal — a Postcard Hotel stay voucher IndusInd values at ₹7,500, 2,000 EazyPoints and another 12 months of Prime
- 10 Reward Points per ₹100 (1%) on hotel and travel bookings, shopping and entertainment
- 1% fuel surcharge waiver on ₹500–₹3,000 fills, up to ₹250 a statement cycle
✕ Cons
- Value dependent on EazyDiner restaurant network — check if your favourite restaurants are listed before applying
- The 25% discount applies only when the bill is paid via PayEazy in the EazyDiner app; pay at the restaurant or swipe the card and you get nothing
- The discount is capped twice — ₹1,000 per transaction and ₹2,000 a month, rising to ₹5,000 only in a month following ₹30,000 of non-dining spend
- Reward points expire at the completion of every anniversary year, and they can be redeemed only inside the EazyDiner app — there is no offline route
- Dining and fuel earn no Reward Points at all; the dining benefit is the discount, not points
- No lounge access — IndusInd's MITC states Priority Pass is not available on this card
- ₹2,999 annual fee only justifies if you dine at EazyDiner partners at least twice a month
- From 15 June 2026 IndusInd charges 1% + GST on fuel spends above ₹50,000 a statement cycle, a 1% + GST dynamic-currency-conversion fee when an overseas merchant bills you in rupees (on top of the 3.5% forex markup, not instead of it), and 1% + GST on transport spends above ₹40,000 a cycle
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points and EazyPoints inside the EazyDiner app, against restaurant bills and the app's own catalogue — IndusInd publishes no offline redemption route for this card
- 🎁Use EazyDiner Prime for discounted dining at partner restaurants
- 🎁Points cannot be redeemed against a cash credit, so the ₹149 cash-redemption fee does not arise
What your IndusInd Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Above-average base value
Brand & e-gift vouchers
Value is network- and behaviour-dependent — where EazyDiner coverage thins out the headline benefit goes dark, and even inside the network the 25% only applies to bills paid via PayEazy in the app, never to a card swipe at the restaurant.
Frequently asked questions
What changed in the July 2025 devaluation?
What is EazyDiner Prime?
Do the reward points expire, and where can I redeem them?
Is the discount cashback or a direct reduction?
Is there lounge access?
Is there a fee waiver option?
How has the IndusInd Bank EazyDiner Signature Credit Card changed over time?
Has the IndusInd Bank EazyDiner Signature Credit Card been devalued recently?
When did the IndusInd Bank EazyDiner Signature Credit Card's fees last change?
How did the IndusInd Bank EazyDiner Signature Credit Card change in 2025?
The bottom line
For genuine restaurant regulars this is the highest-saving dining card in India — a couple of dinners a month covers the fee, everything after is profit. Two pieces of homework: check your favourite restaurants are actually on EazyDiner, and be willing to pay through PayEazy in the app, because the discount does not exist if you swipe the card at the table.
How this page was built
Counted from this card’s own record: 4 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndusInd Bank EazyDiner Signature Credit Card are taken from IndusInd Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IndusInd Bank EazyDiner Signature Credit Card
For people who genuinely dine out — sit-down restaurants, not delivery — the single highest-saving dining card in India. Built around EazyDiner Prime, it delivers up to 50% off at 2,000+ partner restaurants, so a couple of dinners a month can cover the fee. The whole value rests on one question: are your favourite restaurants actually on EazyDiner? Check the app before you apply.
EazyDiner IndusInd Bank Platinum Credit Card
The EazyDiner Platinum is the lifetime-free, entry-tier sibling of the ₹2,999 EazyDiner Signature — same dining engine, no fee. A complimentary EazyDiner Prime membership gets you a guaranteed 25% up to 50% off at 2,000+ restaurants, and paying via PayEazy adds an extra 20% off up to ₹500. A monthly BookMyShow buy-one-get-one and a published milestone sit behind it, and the RuPay variant links to UPI. Outside all that the 0.4% base earn is thin, so its worth turns on how much you use EazyDiner.
Best Credit Cards for Dining in India 2026: Restaurants, Food Delivery and Fine Dining
The best dining credit cards in India offer 10–20% off at partner restaurants, accelerated rewards on Swiggy and Zomato, and complimentary memberships like EazyDiner Prime. Amex Gold, IndusInd EazyDiner, HDFC Infinia and Axis Magnus each lead in different dining contexts.
IndusInd Bank Platinum Credit Card
The definition of a "fine" card — genuinely lifetime free, with a fuel surcharge waiver and a reward rate so low (~0.40%) it barely registers. What it does not have, despite what most write-ups say, is airport lounge access: IndusInd's own MITC lists the Platinum among the cards where Priority Pass is not available. Because it costs nothing to hold, it's a sensible secondary card for an existing IndusInd customer; as a card to actually spend on, almost every other free card out-earns it.
RBL Bank Icon Credit Card
A dining-and-international card with a respectable benefit sheet — 20X on weekend dining and overseas spend, BOGO movie tickets, a chunky welcome bonus, and milestones to 45,000 points. The trouble it can't escape is internal: RBL's own Platinum Maxima Plus serves a similar audience for a lower fee, and the Icon rarely does enough extra to justify being the pick. A fine card that's usually the wrong answer within RBL's own range.
IndusInd Bank Pioneer Private Credit Card
The top card of IndusInd's Pioneer Private banking tier — reserved for Private-banking clients, not available to apply for. It earns 3 reward points per ₹100 that redeem at a genuine ₹1, giving an effective 3%, alongside zero forex markup, unlimited domestic and international lounges, unlimited golf and a first-year Taj Epicure or Club ITC dining membership. One of the strongest super-premium cards in India — if you can access it.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2022 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Portfolio-wide surcharges added: fuel, transport, DCC & interest
No cumulative fuel/transport/DCC surcharge→1%+GST fuel over ₹50,000/cycle; 1%+GST transport over ₹40,000/cycle; 1%+GST DCC
From 15 June 2026 IndusInd applied portfolio-wide charges that include the EazyDiner Signature: 1%+GST on cumulative fuel spends above ₹50,000 per statement cycle, 1%+GST on cumulative transport (select MCCs) above ₹40,000, 1%+GST on Dynamic Currency Conversion, plus a stricter partial-payment interest method. Card-specific dining benefits were unchanged by this revision.
Verification: CardAdvisor Research · Confidence: Reconstructed
2025
- ▼ BenefitEffective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card→No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ LoungeEffective 15 Jul 2025
Complimentary domestic airport lounge access withdrawn
2 domestic visits/quarter (8/year)→None
Effective 15 July 2025 the 2 complimentary domestic airport lounge visits per quarter (8 a year) were discontinued entirely, stripping the only travel perk from what became a dining-only card.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ RewardEffective 15 Jul 2025
Dining discount capped at ₹2,000/month (previously uncapped)
No monthly cap (25%, up to ₹1,000/transaction)→₹2,000/month; up to ₹5,000 only with ₹30,000 non-dining spend the prior month
Effective 15 July 2025 the headline dining benefit gained a monthly ceiling: the 25%/up-to-₹1,000-per-transaction discount is now capped at ₹2,000 per calendar month with no spend condition, and only extends to ₹5,000 if ₹30,000 was spent on non-dining categories the previous month. Previously the discount was uncapped monthly, so heavy diners lost the card's biggest draw.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ BenefitEffective 15 Jul 2025
Monthly BookMyShow movie benefit discontinued
Up to ₹400/month via BookMyShow→None
Effective 15 July 2025 the complimentary monthly BookMyShow movie-ticket benefit (worth up to ₹400) was withdrawn, removing a small recurring perk alongside the larger dining and lounge cuts.
Verification: IndusInd Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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