EazyDiner IndusInd Bank Platinum Credit Card
The EazyDiner IndusInd Bank Platinum is the lifetime-free, entry-tier sibling of the ₹2,999 EazyDiner Signature card — same dining engine, no fee. Its value is the dining stack: a complimentary 3-month EazyDiner Prime membership (worth ₹1,095) gets you a guaranteed 25% up to 50% off at 2,000+ partner restaurants and bars, and paying the bill through the EazyDiner app via PayEazy adds an extra 20% off up to ₹500, valid up to three times a month. The Prime membership renews for another three months on ₹30,000 of spend every 90 days. There is also a BookMyShow buy-one-get-one on movie tickets, one booking a month, with the free ticket capped at ₹200 and ₹50 off if you add food and drink. On everyday spends it earns 2 reward points per ₹100 (0.7 RP on insurance, rent, utility and government; fuel earns nothing), and points redeem at ₹0.20 each — so the base earn is a thin 0.4%. The card issues on Visa and RuPay, and the RuPay variant links to UPI, so you can scan a merchant QR and pay from the credit line. There is no lounge access and no travel benefit.
Key features
What this card is built to do — the highlights that actually matter.
20% on Dining
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%–50% EazyDiner Prime deal discount at 2,000+ partner restaurants.
0.4% on Other
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.
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Movie Ticket Benefit
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.
Milestone Bonus
~₹1,600 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 20% | ₹1,500 |
| Other | reward points | 0.4% | — |
| Rent | reward points | 0.14% | — |
| Utility Bills | reward points | 0.14% | — |
| Insurance | reward points | 0.14% | — |
| Government & Tax | reward points | 0.14% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.83% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹3,100/yr in total.
milestone bonus ~ ₹1,600 /yr
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.
fuel waiver ~ ₹300 /yr
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.
movie ticket ~ ₹1,200 /yr
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.
Spend milestone
· ₹1,20,000 a year ₹1,600 of value
Should you get it?
Best for: Regular diner who books tables through the EazyDiner app, Someone who wants a no-fee card with a real, usable perk, Urban professional in a city with dense EazyDiner restaurant coverage
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Dining ( 20% back).
✓ Pros
- Lifetime-free, yet carries a genuine repeatable dining benefit
- Guaranteed 25% up to 50% off at 2,000+ EazyDiner restaurants via complimentary EazyDiner Prime
- Extra 20% off up to ₹500 (3 times a month) when paying via PayEazy — stacks on the Prime discount
- BookMyShow buy-one-get-one on movie tickets, one booking a month, free ticket capped ₹200, plus ₹50 off on food and drink
- Credit Card on UPI on the RuPay variant — scan any merchant QR and pay from the credit line
- 500 welcome EazyPoints and instant point redemption against restaurant bills
✕ Cons
- Value is heavily network-dependent — check your favourite restaurants are on EazyDiner before applying
- Base reward rate is a thin 0.4% (2 RP per ₹100 at ₹0.20/point), and no lounge access at all — IndusInd's MITC states Priority Pass is not available on either EazyDiner card
- Rent, utility, insurance and government spends earn a reduced 0.7 RP per ₹100 (0.14%), and fuel earns nothing
- The extra 20% PayEazy discount is capped at ₹500 per transaction and only three times a month, and needs you to pay through the EazyDiner app
- Reward points expire at the completion of every anniversary year, and both reward points and EazyPoints can be redeemed only inside the EazyDiner app — there is no offline route
- Credit Card on UPI works only on the RuPay variant of the card
- From 15 June 2026 IndusInd charges 1% + GST on fuel spends above ₹30,000 a statement cycle, a 2% + GST dynamic-currency-conversion fee when an overseas merchant bills you in rupees (on top of the 3.5% forex markup, not instead of it), and 1% + GST on transport spends above ₹40,000 a cycle
Eligibility & documents
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Instant redemption of reward points and EazyPoints against restaurant bills, inside the EazyDiner app
🎁 EazyDiner Prime for discounted dining at partner restaurants
🎁 The EazyDiner app's own catalogue (vouchers, hotel stays, meals) — IndusInd publishes no offline redemption route for this card, and points cannot be redeemed against a cash credit
What your IndusInd Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit / catalogue BEST Above-average base value
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The entire value is tied to the EazyDiner restaurant network and app — where coverage thins out the card goes dark, and the 0.4% base reward rate offers little to fall back on.
The bottom line
It's unusual to find a lifetime-free card that delivers genuine, ongoing value — but this one manages it for the right person. If EazyDiner is already how you book tables, the guaranteed 25%+ discount combined with the extra 20% off through PayEazy amounts to real, recurring savings, and the monthly BookMyShow deal adds a small bonus on top. Skip it if you don't use EazyDiner, though — a 0.4% base earn rate simply isn't competitive on its own. Anyone wanting bigger dining limits (25% instead of 20%, ₹1,000 per transaction rather than ₹500, a full year of Prime instead of three months), along with a 10-point tier on travel and shopping, a ₹7,500 hotel voucher and a complimentary drink, should look at the paid EazyDiner Signature instead. Neither card offers lounge access — this one is simply the free entry point.
Sources & verification
Fees, reward rates, and benefits for the EazyDiner IndusInd Bank Platinum Credit Card are taken from IndusInd Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · 5 changes · last change Jun 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 3 cuts
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
Dynamic Currency Conversion fee doubled 1% → 2%
1% + taxes → 2% + GST
From 15 June 2026 the Dynamic Currency Conversion mark-up — levied when an international transaction, or one at an India-based merchant registered overseas, is billed in rupees rather than the local currency — doubled from 1% to 2% + GST on the EazyDiner Platinum. The paid EazyDiner Signature was held at 1%. DCC is avoidable: always choose to be billed in the merchant's local currency.
Verification: IndusInd Bank ↗ · Confidence: High
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
Fuel fee threshold cut ₹50,000 → ₹30,000 a cycle
1% + GST above ₹50,000/cycle → 1% + GST above ₹30,000/cycle
From 15 June 2026 IndusInd charges 1% + GST on cumulative fuel spends above ₹30,000 in a statement cycle on the EazyDiner Platinum, down from the ₹50,000 threshold that applied until 14 June 2026. Notably the paid EazyDiner Signature was placed in the premium ₹50,000 tier, so the free Platinum now carries the tighter fuel ceiling of the two EazyDiner cards. This is a fee on the spend itself, separate from the fuel surcharge waiver.
Verification: IndusInd Bank ↗ · Confidence: High
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
New 1% fee on transport spends above ₹40,000 a cycle
No transport fee → 1% + GST above ₹40,000/cycle
From 15 June 2026 IndusInd levies 1% + GST on cumulative transport spends above ₹40,000 in a statement cycle — MCCs 4111, 4112, 4131 and 4784, covering cabs, rail, bus and tolls. Air travel is excluded. Only Pioneer Private, Pioneer Heritage and Indus Solitaire are exempt, so this card is in scope.
Verification: IndusInd Bank ↗ · Confidence: High
2025 1 change — 1 cut
▼ Benefit Effective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card → No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
2024 1 change — 1 neutral
◆ Launch Effective 16 Jan 2024
EazyDiner IndusInd Bank Platinum launched as the free entry variant
IndusInd and EazyDiner added a lifetime-free entry tier beneath the paid EazyDiner Signature — nil joining fee, nil annual fee. It bundles a complimentary 3-month EazyDiner Prime membership (guaranteed 25% up to 50% off at 2,000+ premium restaurants), an extra 20% off up to ₹500 per transaction when paying via PayEazy on the EazyDiner app, and Prime renewal for a further 3 months on ₹30,000 of spends every 90 days. Rewards are modest by design: up to 2 Reward Points per ₹100, redeemable instantly against restaurant bills.
Verification: IndusInd Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Mid credit card
Reward rate 0.4%–20%
Best for Regular diner who books tables through the EazyDiner app
Joining fee Free
Annual fee Lifetime free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
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