Is the EazyDiner IndusInd Bank Platinum Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- Needs ₹20,000 a month income
- No annual fee
- 0.4% on most spends; 20% only at partner merchants
- Pays in reward points
- anyone who wants no annual fee, ever
- most of your spending is fuel: those earn nothing on this card
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.83% a month (45.96% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 2 reward points per ₹100 on most spends (0.7 RP per ₹100 on insurance, rent, utility and government; fuel earns nothing). Points redeem at ~₹0.20 each, a 0.4% base value.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.4% | No cap | The card's normal rate | - |
| Online shopping | 0.4% | No cap | The card's normal rate | - |
| Dining and food delivery | 0.4% | No cap | Anywhere else in the category | - |
| Dining and food delivery, only at listed merchants | 20% | ₹1,500 | Only at: EazyDiner partner restaurants (booked and paid via the EazyDiner app / PayEazy)Terms: Extra 20% off up to ₹500 per transaction when you pay via PayEazy, up to 3 times a month. Stacks on top of the guaranteed 25% to 50% EazyDiner Prime deal discount at 2,000+ partner restaurants. | - |
| Groceries | 0.4% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.4% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.14% | No cap | All merchants in the categoryTerms: 0.7 Reward Points per ₹100 on utility payments, the reduced tier IndusInd publishes on this card, worth 0.14% at ₹0.20 a point against the 0.4% base. | - |
| Rent | 0.14% | No cap | All merchants in the categoryTerms: 0.7 Reward Points per ₹100 on rent, the reduced tier IndusInd publishes on this card, worth 0.14% at ₹0.20 a point against the 0.4% base. | - |
| Insurance premiums | 0.14% | No cap | All merchants in the categoryTerms: 0.7 Reward Points per ₹100 on insurance premiums, the reduced tier IndusInd publishes on this card, worth 0.14% at ₹0.20 a point against the 0.4% base. | - |
| School and college fees | 0.4% | No cap | The card's normal rate | - |
| Wallet top-ups | 0.4% | No cap | The card's normal rate | - |
| Taxes and government payments | 0.14% | No cap | All merchants in the categoryTerms: 0.7 Reward Points per ₹100 on government spends, the reduced tier IndusInd publishes on this card, worth 0.14% at ₹0.20 a point against the 0.4% base. | - |
| Spend abroad or in a foreign currency | 0.4% | No cap | The card's normal rate | - |
| Everything else | 0.4% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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