IndusInd Bank
IndusInd Bank EazyDiner Signature Credit Card
Data last verified: 11 October 2026
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Reward rate0.4% base, up to 1% on online shopping; 25% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Forex markup3.5%
- Interest (APR)3.83% a month, 45.96% a year
This card is for people who eat out often. Pay your restaurant bill through PayEazy on the EazyDiner app and you get 25% off, and you also get a year of EazyDiner Prime, worth Rs 3,550. On regular spending it earns 10 reward points per Rs 100 on hotels, travel, entertainment and shopping, and 4 points on everything else.
It costs Rs 2,999 to join and Rs 2,999 every year, with no spend-based waiver. The maths is simple. If you save more than about Rs 250 a month on dining bills, the fee pays for itself. If you eat out once a month, it probably does not.
The honest catch is that the points are worth little, around 10 paise each, so the everyday earn is about 0.4%. The value sits almost entirely in the dining discount.
Best for: People who eat out several times a month, EazyDiner app users, Couples and families who dine at partner restaurants, Salaried users earning Rs 30,000 a month or more.
01IndusInd Bank EazyDiner Signature Credit Card Rewards and Benefits
02IndusInd Bank EazyDiner Signature Credit Card Annual Fee and Charges
- Joining fee
- ₹2,999 + GST
- Annual fee
- ₹2,999 + GST
- 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:
- ₹5,000 on online shopping, earning 1%₹50
- ₹15,000 on everything else, earning 0.4%₹60
- Back each month, ₹1,320 a year₹110
- Annual fee with 18% GST−₹3,539
- It costs you each year₹2,219
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
- Online shopping: 1% back
- Travel: 1% back
Skip it if…
- 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
04Product Details
- ₹2,999 joining fee and ₹2,999 annual fee, no waiver
- 25% off dining bills paid via PayEazy on EazyDiner
- Complimentary EazyDiner Prime membership for a year, worth ₹3,550
- 10 reward points per ₹100 on hotels, travel, entertainment and shopping
- 4 reward points per ₹100 on other spends
- 2,000 EazyPoints after the joining fee is paid
- 3.5% forex markup
05Pros and Cons
Pros
- 25% off restaurant bills through PayEazy
- A year of EazyDiner Prime included
- Higher earn on travel, hotels and shopping
Cons
- ₹2,999 fee every year with no waiver
- Points are worth around 10 paise, so everyday value is low
- Dining savings are capped at about ₹2,000 a month
- 3.5% forex markup
06How IndusInd Bank EazyDiner Signature Credit Card earns Rewards
0.4% base, up to 1% on online shopping; 25% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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.
Point value. 1 point is worth about ₹0.1 at the bank's stated value.
07IndusInd Bank EazyDiner Signature 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.
- Fuel surcharge waiver: 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.
08IndusInd Bank EazyDiner Signature Credit Card Eligibility and Documents
- Age
- 21 years and above
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: 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 |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 15 Jul 2025 | Reduced: Complimentary domestic airport lounge access withdrawnSource: IndusInd Bank | 2 domestic visits/quarter (8 a year) | None |
| 15 Jul 2025 | Reduced: Dining discount capped at ₹2,000/month (previously uncapped)Source: IndusInd Bank | No monthly cap (25%, up to ₹1,000/transaction) | ₹2,000 a month; up to ₹5,000 only with ₹30,000 non-dining spend the prior month |
| 15 Jul 2025 | Reduced: Monthly BookMyShow movie benefit discontinuedSource: IndusInd Bank | Up to ₹400 a month via BookMyShow | None |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to IndusInd Bank EazyDiner Signature Credit Card
IndusInd Bank EazyDiner Signature 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 | IndusInd Bank EazyDiner Signature Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹2,999 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹2,999 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.4% base, up to 1% on online shopping; 25% 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 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank EazyDiner Signature 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 ₹2,999 annual fee waived?
No. There is no spend-based waiver, so the fee plus GST is charged every year.
How do I get the 25% dining discount?
Book and pay at a partner restaurant using PayEazy on the EazyDiner app with this card.
Is this card worth it if I rarely eat out?
Probably not. The everyday reward rate is about 0.4%, so the fee only makes sense if you use the dining discount regularly.
What is the joining fee for the IndusInd Bank EazyDiner Signature Credit Card?
The joining fee is ₹2,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank EazyDiner Signature Credit Card?
The annual fee is ₹2,999 + GST.
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.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
