Is the IndusInd Bank EazyDiner Signature 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
- ₹3,539 fee a year (with GST)
- 0.4% base, up to 1% on online shopping; 25% only at partner merchants
- Pays in reward points
- online shopping: 1% back
- travel: 1% back
- you spend less than ₹74,000 a month: below that the ₹3,539 fee costs more than the rewards
- most of your spending is dining or fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on online shopping or travel: the 1% rate applies only there, everything else earns 0.4%
- 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: 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.
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) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 1% | No cap | All merchants in the categoryTerms: 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. | - |
| Dining and food delivery | Earns nothing | - | earns nothing on this card (base rate terms) | - |
| Dining and food delivery, only at listed merchants | 25% | ₹2,000 | Only at: PayEazy-enabled EazyDiner restaurantsTerms: 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. | - |
| Groceries | 0.4% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | All merchants in the categoryTerms: 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. | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.4% | No cap | The card's normal rate | - |
| Rent | 0.4% | No cap | The card's normal rate | - |
| Insurance premiums | 0.4% | No cap | The card's normal rate | - |
| 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 | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| 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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