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American Express Gold Card vs IndusInd Bank EazyDiner Signature Credit Card
On net annual value, American Express Gold beats IndusInd Bank EazyDiner Signature in all four spend profiles we model, from ₹5,564 a year for everyday spenders to ₹13,325 for high spenders. American Express Gold isn't taking new applications, while IndusInd Bank EazyDiner Signature is open to applications. IndusInd Bank EazyDiner Signature costs ₹2,999 a year against ₹4,500. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | American Express Gold Card | IndusInd Bank EazyDiner Signature Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹5,874/yr✓ +₹5,564/yr | ₹310/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹10,674/yr✓ +₹7,273/yr | ₹3,401/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹7,626/yr✓ +₹7,115/yr | ₹511/yr |
High spender ≈ ₹2.5L/mo across every category | ₹16,626/yr✓ +₹13,325/yr | ₹3,301/yr |
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | American Express Gold CardAmex Membership Rewards | IndusInd Bank EazyDiner Signature Credit CardIndusInd Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25 | ₹0.35BEST |
| Gift vouchers | ₹0.50 | ₹0.35BEST |
| Airline / hotel transfer | ₹0.805:4BEST | — |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| American Express Gold Card | IndusInd Bank EazyDiner Signature Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹1,000 | ₹2,999 |
| Annual fee | ₹4,500/yr | ₹2,999/yr ✓ |
| Annual fee — all-in (incl. 18% GST) | ₹5,310 | ₹3,539 ✓ |
| Fee waiver at | — | — |
| Welcome benefit | ~₹2,000 | ~₹7,500 |
| Rewards | ||
| Best everyday reward | 1% on everyday spends | 1% on Online Shopping |
| Dining | 1% ✓ | 0.4% |
| Online Shopping | 1% | 1% |
| Base rate — other spends | 1% ✓ | 0.4% |
| Travel | 1% | 1% |
| Utility Bills | 1% ✓ | 0.4% |
| Charges | ||
| Forex markup | 3.5% | 3.5% |
| Finance charge | — | 3.83% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| fuel waiver | — | ~₹300/yr · 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. |
| insurance | ✓ · Complimentary air-accident insurance cover up to ₹30,00,000 on air tickets purchased with the card | — |
| milestone bonus | ~₹6,000/yr · 1,000 bonus Membership Rewards points each month for six transactions of ₹1,000+ — up to ~12,000 bonus points (≈₹6,000) a year (needs ≥₹6k/month across six swipes) | — |
| Eligibility | ||
| Min income | ₹50,000/mo | — |
| Min age | 18+ yrs | — |
| UPI linked | — | — |
| Expert rating | 4.0 / 5 | 4.4 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Bonus via the bank's own portal
- 5X Membership Rewards on e-vouchers bought via Amex's ShopWise platform (~5% value); bonus points capped at 25,000 a month per the ShopWise T&C (Aug 2026). Reward Multiplier's brand links close 30 Sep 2026
Which should you pick?
Choose the American Express Gold Card if you want strong rewards on everyday spends. Consider the IndusInd Bank EazyDiner Signature Credit Card if you spend more on online shopping and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
American Express Gold Card vs IndusInd Bank EazyDiner Signature Credit Card — FAQs
Which has a lower annual fee, American Express Gold Card or IndusInd Bank EazyDiner Signature Credit Card?
As of 24 Oct 2026, IndusInd Bank EazyDiner Signature has the lower annual fee: ₹2,999 (₹3,539 with 18% GST), against ₹4,500 (₹5,310 with 18% GST) on American Express Gold. Neither American Express Gold nor IndusInd Bank EazyDiner Signature has a spend-based waiver, so both fees are due every year. American Express Gold charges ₹1,000 to join.
Do American Express Gold Card and IndusInd Bank EazyDiner Signature Credit Card offer airport lounge access?
As of 24 Oct 2026, neither American Express Gold nor IndusInd Bank EazyDiner Signature lists complimentary lounge access of any kind, airport or railway. For spending abroad, American Express Gold and IndusInd Bank EazyDiner Signature both add a 3.5% forex markup.
Which card has lower forex markup, American Express Gold Card or IndusInd Bank EazyDiner Signature Credit Card?
As of 24 Oct 2026, American Express Gold and IndusInd Bank EazyDiner Signature charge the same 3.5% forex markup. With 18% GST on the markup, each foreign-currency transaction on American Express Gold or IndusInd Bank EazyDiner Signature costs about 4.13% extra, roughly ₹4,130 on ₹1,00,000 spent abroad.
For a frequent traveller, is the American Express Gold Card or IndusInd Bank EazyDiner Signature Credit Card better value?
On figures as of 24 Oct 2026, American Express Gold comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹7,626 against ₹511 on IndusInd Bank EazyDiner Signature, a ₹7,115 gap.
For everyday spending, which returns more: American Express Gold Card or IndusInd Bank EazyDiner Signature Credit Card?
On figures as of 24 Oct 2026, American Express Gold comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹5,874 against ₹310 on IndusInd Bank EazyDiner Signature, a ₹5,564 gap. Best everyday rates: 1% on everyday spends for American Express Gold, 1% on online shopping for IndusInd Bank EazyDiner Signature.
Which is better, American Express Gold Card or IndusInd Bank EazyDiner Signature Credit Card?
As of 24 Oct 2026, American Express Gold earns 1% on everyday spends outside merchant or portal bonuses, paid as Amex Membership Rewards, and IndusInd Bank EazyDiner Signature earns 1% on online shopping outside merchant or portal bonuses, paid as IndusInd Reward Points. American Express Gold comes out ahead on net annual value in all four spend profiles we model. Of the two, only IndusInd Bank EazyDiner Signature takes applications today; American Express Gold isn't taking new applications.