EazyDiner IndusInd Bank Credit Card – Benefits, Fees & Eligibility

EazyDiner IndusInd Bank Credit Card

The EazyDiner IndusInd Bank Credit Card is a co-branded card, in partnership with EazyDiner, designed for individuals who delight in culinary experiences and a vibrant lifestyle. It offers a powerful combination of instant discounts, accelerated rewards on dining, shopping, and entertainment, along with exclusive perks like a complimentary EazyDiner Prime membership and a luxury hotel stay voucher. Cardholders can enjoy substantial savings on dining bills, access premium alcoholic beverages, and earn rewards across various spending categories, making it a rewarding choice for frequent diners and lifestyle enthusiasts.

Welcome Benefits

• Enjoy a 12-month EazyDiner Prime membership worth ₹3,550, offering guaranteed discounts of 25% up to 50% at over 2000+ premium restaurants and bars.
• Unlock Prime-exclusive benefits including 3X EazyPoints, redeemable for free luxury hotel stays, free meals, and exclusive EazyEvents.
• Receive 2000 welcome bonus EazyPoints.
• Get a Postcard Hotel stay voucher worth ₹7,500, applicable for intimate and luxurious holidays at stunning destinations. This voucher is valid for stays booked directly through The Postcard Hotels website or reservations concierge.

Fees

• Joining Fee: ₹2,999 + GST
• Renewal Fee: ₹2,999 + GST
  • Upon payment of the renewal fee, the 12-month EazyDiner Prime Membership will be renewed.
  • You will also receive 2000 welcome bonus EazyPoints and an INR 7,500 voucher for The Postcard Hotel.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates: 3.83% per month (equivalent to 46% annually).
• Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India, applicable on transactions between ₹500 and ₹3,000. This waiver is capped at ₹250 per statement cycle. GST on fuel surcharge will be applicable and borne by the cardholder.
• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum of ₹300.

Rewards

Reward Point Accrual

• Earn 10 Reward Points on every ₹100 spent on Hotel and Travel booking, shopping, and entertainment. (Approximate value: ~1%)
• Earn 4 Reward Points on every ₹100 spent on all other categories, excluding fuel and dining. (Approximate value: ~0.4%)
• No Reward Points are awarded for dining spends.
• Get 3X EazyPoints using your EazyDiner IndusInd Bank Credit Card.
• Reward Points will only be earned for spends up to the assigned credit limit in every statement cycle.

Dining Benefits

• Extra Instant Discount:
  • Avail an extra 25% off up to ₹1,000 on each transaction when you eat out and pay on the EazyDiner App.
  • The discount is capped at ₹2,000 per month without any specific spend criteria.
  • To unlock an additional discount of ₹3,000 in the same month, you need to spend ₹30,000 in the previous calendar month on non-dining transactions.
  • The total maximum discount that can be availed in a month is ₹5,000.
  • The extra 25% off will not be applicable if the bill is paid using any other payment mode (e.g., physically with the card, other cards, UPI, wallets).
  • The discount is auto-applied on the EazyDiner App; no promo code is needed.
  • Extra 25% off will not be applicable if consecutive transactions are made at the same restaurant within a gap of 120 minutes or less.
• Premium Alcoholic Beverages:
  • Every diner receives a complimentary premium alcoholic beverage at over 200 select restaurants across the country.
  • These select restaurants can be viewed using the ‘Free Drink’ filter on the EazyDiner App's restaurant listing page.
  • The offer is applicable if the restaurant booking is done using the EazyDiner App.
  • The brand and serving size of the beverage will be at the discretion of the restaurant.

Travel Benefits

• Receive a Postcard Hotels Stay Voucher worth ₹7,500 as a welcome benefit and upon renewal of the card.

Other Benefits

• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver across all fuel stations in India on transactions between ₹500 and ₹3,000, capped at ₹250 per statement cycle.

Rewards Redemption Guide

• Reward Points accumulated on the EazyDiner IndusInd Bank Credit Card can be instantly redeemed against restaurant bills at the time of payment via PayEazy on the EazyDiner App.
• The value of 1 Reward Point is ₹0.10.
• You have the option to choose the number of Reward Points you would like to redeem against your dining bill.
• The EazyDiner IndusInd Bank Credit Card must be used to make the balance payment after redemption.
• Other redemption requests are available in the redemption catalogue on the EazyDiner App, where EazyPoints can be redeemed for free hotel stays, meals, and exclusive restaurant events across the country.
• Reward points cannot be redeemed against cash credit.
• Reward points expire one year after their accumulation date.

How to Maximize Dining Discounts

To avail maximum discount when dining with your EazyDiner Credit Card:

1. Go to the EazyDiner App/Website.
2. Select a deal at your chosen restaurant and confirm the booking.
3. Enjoy your meal.
4. To make payment towards the bill, open the EazyDiner App and select PayEazy.

Example of Discount Maximization:

• Total billing amount: INR 5,000
• 25% discount on your Prime membership: (-) INR 1,250
• Balance amount payable: INR 3,750
• Extra 25% discount when paying through EazyDiner IndusInd Bank Credit Card: (-) INR 937
• Balance amount payable: INR 2,813
• Redeem Reward Points instantly (assuming 1000 reward points, where 1 RP = INR 0.10): (-) INR 100
• Final Amount payable: INR 2,713
• Total Discount on a bill of INR 5,000: INR 2,287

Card Eligibility Criteria

• Age: Above 21 years.
• Income: Stable income as a Salaried or Self-Employed Individual.
• Credit Score: A decent Credit Score (750 or above) is required.

Card Review

The EazyDiner IndusInd Bank Credit Card is a highly recommended card for individuals who frequently dine out and appreciate premium lifestyle benefits. Its robust dining privileges, including guaranteed discounts of up to 50% via EazyDiner Prime, an additional 25% off on app payments, and complimentary premium alcoholic beverages, make it a must-have for food enthusiasts. The welcome and renewal benefits, such as the EazyDiner Prime membership and the Postcard Hotel voucher worth ₹7,500, provide significant value that can offset the annual fee. While the card offers accelerated rewards on travel, shopping, and entertainment, it's particularly tailored for dining experiences. The renewal fee, though ₹2,999 + GST, is justified by the substantial benefits, especially the EazyDiner Prime membership itself being worth ₹3,550. However, the dining discounts are limited to select outlets on EazyDiner, which might not always include your preferred restaurant. Furthermore, being on the Visa network means it currently doesn't support UPI payments directly from the card, which could be a minor drawback for some users. Overall, for those prioritizing dining benefits and premium experiences, this card offers exceptional value.

Important Product Details

• Dining Focus: Excellent for frequent diners with extensive discounts and complimentary benefits via EazyDiner App.
• Welcome & Renewal Value: Includes a 12-month EazyDiner Prime membership (worth ₹3,550) and a Postcard Hotel stay voucher (worth ₹7,500) both at joining and renewal.
• Reward Rate: Earn 10 Reward Points on every ₹100 spent on hotels, travel, shopping, and entertainment, and 4 Reward Points on all other retail spends (excluding fuel and dining).
• EazyPoints: Earn 3X EazyPoints on all orders paid with the card, redeemable for free hotel stays, meals, and events.
• Flexible Redemption: Instant redemption of Reward Points against restaurant bills via PayEazy on the EazyDiner app (1 RP = ₹0.10).
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹250 per statement cycle.
• Total Protect: Comprehensive insurance cover equal to the credit limit against unauthorized transactions (up to 48 hours prior to reporting) and counterfeit fraud. This benefit extends to Add-on cards.
• Contactless Payments: Features for fast, convenient, and secure tap-and-pay transactions at merchant locations.
• Annual Fee Offset: The value of the EazyDiner Prime membership alone exceeds the annual fee.

Other Details

• The EazyDiner IndusInd Bank Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with EazyDiner Private Limited, operating under a revenue sharing arrangement.
• EazyDiner is India’s leading food discovery, table reservation, and restaurant payment platform, offering guaranteed reservations and deals at over 15,000+ restaurants.
• The card enables contactless payments for quick transactions and can be used at over 10 lakh merchant outlets in India and 30 million worldwide, for online purchases, travel, and cash withdrawals.
• The card provides a year-end summary of accounts, offering an overview and analysis of card spending by month, charge amounts, and merchant category, aiding in budgeting and tax preparation.
• The card is available on the Visa platform.