EazyDiner IndusInd Platinum Credit Card – Benefits, Fees & Eligibility

Introduction

The EazyDiner IndusInd Platinum Credit Card, issued by IndusInd Bank, is an entry-level, lifetime-free credit card specifically designed for individuals who frequently dine out. It offers a guaranteed 25% discount on dining expenses at popular and premium restaurants, complemented by an additional instant 20% off when paying through the EazyDiner app via PayEazy. As a co-branded offering with EazyDiner, a renowned restaurant booking platform, this card aims to provide significant savings and enhanced dining experiences without any joining or renewal charges.

Welcome Benefits

• Enjoy a 3-month EazyDiner Prime membership, valued at INR 1,095. This membership provides guaranteed discounts of 25% up to 50% at over 2,000 premium restaurants and bars in India.
• Receive 500 welcome bonus EazyPoints upon joining.
• Unlock more Prime-exclusive benefits like 2X EazyPoints and redeem them for free luxury hotel stays and free meals.

Fees

• Joining Fee: Lifetime Free
• Renewal Fee: Lifetime Free
• Rewards Redemption Fee: Rs. 100
• Foreign Currency Markup: 3.5% of the Transaction Amount
• Interest Rates: 3.83% Monthly and 46% Annually
• Fuel Surcharge: 1% Fuel Surcharge Waiver across all fuel stations in India. GST on fuel surcharge as per standard rate shall be applicable and borne by the Cardholder.
• Cash Advance Charges: 2.5% of the Amount or a Minimum of Rs. 300
• Spend-Based Waiver: Not applicable as the card is lifetime free.

Rewards

Rewards Rate

• Earn 2 Reward Points on every INR 100 spent, except on fuel, insurance, rent, utility, and government payments.
• Earn 0.7 Reward Points on spending towards insurance, rent, utilities, and government payments.
• Get 2X EazyPoints using your EazyDiner Credit Card.
• Fuel transactions will not earn Reward Points.
• Reward Points have a validity of one year.
• Reward Points will be earned only for spends up to the assigned credit limit in every statement cycle.

Dining Benefits

• Enjoy a guaranteed 25% discount on your dining bill at EazyDiner PRIME+ PayEazy-enabled restaurants, courtesy of the complimentary Prime Membership.
• Get an additional instant 20% off, up to INR 500, when paying on the EazyDiner app using your EazyDiner Platinum Credit Card with PayEazy. This offer is also valid on take-away.
• The extra 20% off benefit is capped at 3 times usage per calendar month.
• The extra 20% off will not be applicable if the payment is made directly at the restaurant or using any other payment mode (e.g., physical card, other cards, UPI, wallets).
• The discount will be automatically applied on the EazyDiner App; no promo code is required.
• The extra 20% off will not be applicable if consecutive transactions are made at the same restaurant within a gap of 120 minutes or less.

Milestone Benefits

• The 3-month EazyDiner Prime membership shall be renewed upon spends of INR 30,000 or more in a quarter (every 90 days).
• Get 2000 Reward Points upon spending INR 30,000 every 90 days. ATM Cash withdrawals and dining spends shall not be considered for this milestone reward. Spends by both primary and add-on cardholders shall be considered.

Other Benefits

• Contactless Payments: Enjoy faster day-to-day payments by tapping your card at merchant locations that accept contactless payments. You can make contactless payments up to Rs. 5,000.
• Total Protect: This program covers you for an amount equal to the credit limit on your card, including Add-on cards, against fraudulent use.
  • Covers unauthorized transactions in case of loss/theft of card up to 48 hours prior to reporting the loss to IndusInd Bank.
  • Offers protection against counterfeit fraud where card details are stolen and used with counterfeit plastic.
• Credit Card on UPI (RuPay variant): Link your EazyDiner Platinum Credit Card (RuPay variant) to UPI apps like BHIM, PhonePe, Paytm, Google Pay to make payments by scanning merchant QR codes or entering UPI IDs.
• Year-end Summary of Accounts: Receive a year-end summary of your expenses, providing an overview of your card spendings for a financial year, categorized by Month, Charge Amounts, Merchant Category, and charges for primary/additional cards. This helps simplify budgeting and tax preparation.

Rewards Redemption Guide

• Redeem your reward points instantly against restaurant bills for extra discounts when paying via PayEazy on the EazyDiner App.
• Redeem your EazyPoints for free hotel stays, meals, and exclusive restaurant events across the country.
• Reward points and EazyPoints can only be redeemed through the EazyDiner app, not offline.
• Reward points cannot be redeemed against cash credit.
• 1 Reward Point = INR 0.20.
• Other redemption requests are available in the redemption catalogue on the EazyDiner App.

Card Eligibility Criteria

To apply for the EazyDiner IndusInd Platinum Credit Card:

• Click on "Apply Now" on the official application page.
• Fill in your basic details, such as your PAN Card, mobile number, and name.
• Submit your application.
• Complete instant V-KYC and digitally sign the application.

Card Review

The IndusInd EazyDiner Platinum Credit Card is a basic, yet highly beneficial, credit card for individuals who frequently dine out. It offers useful rewards and discounts, significantly enhancing the dining experience, especially for those who regularly use EazyDiner. A major advantage is its lifetime-free status, making it an attractive option for youngsters or anyone seeking a card with zero joining and annual fees. While it excels in dining benefits, its primary drawback is the lack of other benefits, such as travel perks, making it less versatile for non-dining related spends. Overall, it's a must-have for individuals prioritizing dining savings.

Important Product Details

• This is a lifetime free credit card with no joining or annual fees.
• Comes with a 3-month EazyDiner Prime Membership as a welcome benefit, offering up to 25% discounts at over 2,000 restaurants.
• Avail instant discounts on the EazyDiner app and website with the card.
• Make contactless payments with EazyDiner and avail huge discounts on restaurant bill payments.
• Earn 2 Reward Points on every INR 100 spent (with exceptions) and 2X EazyPoints on dining.
• Offers milestone benefits including Prime membership renewal and bonus Reward Points on specific spend thresholds.
• Includes "Total Protect" for insurance cover against fraudulent transactions.
• Supports UPI payments for its RuPay variant.
• Provides a 1% fuel surcharge waiver.

Other Details

• The EazyDiner IndusInd Bank Platinum Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with EazyDiner Private Limited.
• EazyDiner is India’s leading food discovery, table reservation, and restaurant payment platform, offering guaranteed reservations, deals, and loyalty points (EazyPoints) redeemable for free meals and hotel stays.
• All benefits and features are subject to specific Terms and Conditions.
• The card enables fast, convenient, and secure contactless purchases by tapping at merchant locations. It can also be used at over 10 lakh merchant outlets in India and over 30 million outlets worldwide for standard card payments, online purchases, booking movie/travel tickets, and paying utility bills.
• You can make contactless payments up to Rs. 5,000.