IndusInd Bank
EazyDiner IndusInd Bank Platinum Credit Card
Data last verified: 6 August 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.4% on most spends; 20% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.83% a month, 45.96% a year
This is the free version of the EazyDiner IndusInd card. There is no joining or annual fee. When you pay at an EazyDiner partner restaurant through PayEazy, you get an extra 20% off, up to Rs 500 a time, up to 3 times a month. Regular spends earn 2 reward points per Rs 100, which is about 0.4% at 20 paise a point.
There is also a quarterly milestone of 2,000 points on every Rs 30,000 spent in 90 days, a buy-one-get-one movie offer on BookMyShow once a month, and a 1% fuel surcharge waiver.
It suits someone who dines out now and then and wants a free card for it. The catch is the weak base earn, and insurance, rent, utility and government payments earn only 0.7 points per Rs 100.
Best for: First-time card users who want a free card, People who dine out a few times a month, EazyDiner app users, Moviegoers.
01EazyDiner IndusInd Bank Platinum Credit Card Rewards and Benefits
02EazyDiner IndusInd Bank Platinum Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.83% a month (45.96% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.4%₹80
- Back each month, ₹960 a year₹80
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
Skip it if…
- 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
04Product Details
- Lifetime free, no joining or annual fee
- Extra 20% off up to ₹500 via PayEazy, up to 3 times a month
- 2 reward points per ₹100 on most spends (about 0.4%)
- 0.7 points per ₹100 on insurance, rent, utilities and government payments
- 2,000 bonus points on every ₹30,000 spent in 90 days (dining excluded)
- BookMyShow buy-one-get-one once a month, free ticket up to ₹200
- 1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
05Pros and Cons
Pros
- No joining or annual fee, ever
- Dining discount stacks on EazyDiner deals
- Quarterly milestone points add to the base earn
- Monthly BookMyShow offer
Cons
- Base reward rate is only about 0.4%
- No points on fuel
- Air accident cover has been withdrawn
- 3.5% forex markup
06How EazyDiner IndusInd Bank Platinum Credit Card earns Rewards
0.4% on most spends; 20% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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.
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07EazyDiner IndusInd Bank Platinum Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions from ₹400 to ₹4,000, with no capping, IndusInd's 5-May-2024 notice names this card in that row.
- Milestone bonuses: 2,000 reward points on every ₹30,000 of spend in a 90-day period, 8,000 points a year at ₹1.2 lakh of annual spend. Dining spends do not count towards this milestone.
- Movie ticket offers: BookMyShow buy-one-get-one on movie tickets, one booking a month, with the free ticket capped at ₹200 and an extra ₹50 off if you add food and drink. Valued at half the ₹2,400 ceiling, a realisation haircut consistent with indusind-samman's movie perk.
08EazyDiner IndusInd Bank Platinum Credit Card Eligibility and Documents
- Age
- 21 years and above
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹20,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Dynamic Currency Conversion fee doubled 1% → 2%Source: IndusInd Bank | 1% + taxes | 2% + GST |
| 15 Jun 2026 | Reduced: Fuel fee threshold cut ₹50,000 → ₹30,000 a cycleSource: IndusInd Bank | 1% + GST above ₹50,000/cycle | 1% + GST above ₹30,000/cycle |
| 15 Jun 2026 | Reduced: New 1% fee on transport spends above ₹40,000 a cycleSource: IndusInd Bank | No transport fee | 1% + GST above ₹40,000/cycle |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 16 Jan 2024 | Changed: EazyDiner IndusInd Bank Platinum launched as the free entry variantSource: IndusInd Bank | - | - |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to EazyDiner IndusInd Bank Platinum Credit Card
EazyDiner IndusInd Bank Platinum Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | EazyDiner IndusInd Bank Platinum Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.4% on most spends; 20% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 6 August 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your EazyDiner IndusInd Bank Platinum Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the EazyDiner IndusInd Platinum card really free?
Yes, it is lifetime free with no joining or annual fee.
How much can I save on dining?
An extra 20% off up to ₹500 per bill when you pay through PayEazy, up to 3 times a month, on top of EazyDiner's own restaurant deals.
What are the reward points worth?
About 20 paise each, so the 2 points per ₹100 base earn is roughly 0.4%.
Does dining count towards the milestone?
No. The 2,000-point milestone on every ₹30,000 in 90 days excludes dining spends.
What is the joining fee for the EazyDiner IndusInd Bank Platinum Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the EazyDiner IndusInd Bank Platinum Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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