EazyDiner IndusInd Platinum Credit Card – Benefits, Fees & Eligibility

Introduction

The EazyDiner IndusInd Bank Platinum Credit Card is a lifetime-free credit card specially curated for dining enthusiasts, offering a blend of delectable offers and rewards. Launched in association with EazyDiner, a leading food discovery and restaurant booking platform, this card provides guaranteed discounts on dining expenses at premium restaurants. It's an entry-level card well-suited for youngsters and individuals who frequently dine out, enabling massive savings and an enhanced dining experience through its unique benefits and reward structure.

Welcome Benefits

• Enjoy a 3-month EazyDiner Prime membership, valued at INR 1,095.
• The Prime membership provides guaranteed discounts of 25% up to 50% off at over 2000+ premium restaurants and bars.
• Unlock Prime-exclusive benefits, including 2X EazyPoints, which can be redeemed for free luxury hotel stays and free meals.
• Receive 500 welcome bonus EazyPoints upon card issuance.
• This is a Lifetime Free (LTF) card with no joining fees and no annual fees.

Fees

• Joining Fee: Nil
• Renewal Fee: Nil
• Rewards Redemption Fee: INR 100
• Foreign Currency Markup: 3.5% of the Transaction Amount
• Interest Rates: 3.83% Monthly and 46% Annually
• Fuel Surcharge: GST on fuel surcharge as per standard rates shall be applicable and borne by the Cardholder, even with the 1% waiver.
• Cash Advance Charges: 2.5% of the Amount or a Minimum of INR 300

Rewards

• Dining Benefits
  • Enjoy a guaranteed 25% discount on your dining bills with the complimentary EazyDiner Prime membership at over 2000+ premium restaurants and bars.
  • Avail an additional instant 20% off, up to INR 500, when you eat out and pay via PayEazy on the EazyDiner app. This offer is also valid on take-away.
  • The extra 20% off benefit is capped at 3 usages per calendar month.
  • The extra 20% off is applicable exclusively when paying on the EazyDiner app via PayEazy using your EazyDiner IndusInd Bank Platinum Credit Card; it will not be applicable if the bill is paid using other modes (e.g., physically with the card, other cards, UPI, wallets).
  • The dining discount will be auto-applied on the EazyDiner App, with no promo code required.
  • Extra 20% off will not be applicable if consecutive transactions are made at the same restaurant within a gap of 120 minutes or less.
• Reward Points Earning
  • Earn 2 Reward Points on every INR 100 spent, except on Fuel, Insurance, Rent, Utility, and Government transactions.
  • Earn 0.7 Reward Points on Insurance, Rent, Utility, and Government spends.
  • Get 2X EazyPoints using your EazyDiner IndusInd Bank Credit Card.
  • Fuel transactions will not earn Reward Points.
  • Reward Points will be earned only for spends up to the assigned credit limit in every statement cycle.
  • Reward Points have a validity of one year.
• Milestone Benefits
  • Enjoy a 3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
  • Get 2000 Reward Points upon spending INR 30,000 every 90 days.
  • Dining spends and ATM Cash withdrawals are not considered for the 2000 Reward Points milestone benefit.
  • Spends by both primary and add-on cardholders are considered for milestone benefits.
• Fuel Benefits
  • Enjoy a 1% fuel surcharge waiver across all fuel stations in India.
• Insurance Benefits
  • Total Protect: A first-of-its-kind program covering you for an amount equal to the credit limit on your card, also available on Add-on cards.
  • Total Protect covers unauthorized transactions in case of loss/theft of card (insurance cover up to 48 hours prior to reporting the loss to IndusInd Bank).
  • Total Protect covers counterfeit fraud (protection against incidents where card details are stolen and used with counterfeit plastic).
• Lifestyle Benefits
  • Year-end Summary of Accounts: Receive a record of your expenses to simplify budgeting and tax preparation. The online summary contains transactions for the financial year and an analysis of spends by Month, Charge Amounts, Merchant Category, your own charges, and charges for business or additional cards.

Rewards Redemption Guide

• Reward Points earned on the EazyDiner IndusInd Bank Platinum Credit Card can be redeemed instantly against restaurant bills when paying via PayEazy on the EazyDiner app for extra discounts.
• EazyPoints can be redeemed for free hotel stays, free meals, and exclusive restaurant events across the country.
• Both EazyPoints and reward points can only be redeemed through the EazyDiner app, not offline.
• Reward points cannot be redeemed against cash credit.

How to Maximize Benefits (Example based on INR 5000 bill)

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

Discount Calculation Example for a bill of INR 5000:

• Total billing amount: INR 5000
• 25% Discount on your Prime membership: (-) INR 1250
• Balance Amount payable: INR 3750
• Extra 20% Discount when paying through EazyDiner IndusInd Bank Platinum Credit Card (capped at INR 500): (-) INR 500
• Balance Amount payable: INR 3250
• Redeem Reward Points instantly (assuming 1000 reward points with a value of INR 0.20 per point): (-) INR 200
• Final Amount payable: INR 3050
• Total Discount on a bill of INR 5000: INR 1950

Card Review

The EazyDiner IndusInd Bank Platinum Credit Card is a valuable entry-level card, especially beneficial for individuals who frequently dine out. Its core strength lies in its dining-focused rewards, offering significant savings through guaranteed discounts with EazyDiner Prime and additional instant discounts when paying via PayEazy on the app. Being a lifetime-free card with zero joining and renewal fees makes it an attractive option, particularly for youngsters or anyone seeking a dedicated dining card without recurring charges. Cardholders also earn competitive reward points and 2X EazyPoints, enhancing their overall value. The milestone benefits, which allow for renewal of the Prime membership and additional reward points on spending, encourage consistent usage. While it excels in dining, it lacks benefits in other categories like travel or lounge access, which might be a consideration for those seeking a more all-encompassing credit card. However, for its intended purpose of maximizing dining savings, it delivers excellent value.

Important Product Details

• This is a lifetime free credit card with no joining or annual fees.
• Offers a complimentary 3-month EazyDiner Prime Membership as a welcome benefit.
• Provides instant discounts on dining via the EazyDiner app and website.
• Enables contactless payments for fast, convenient, and secure transactions.
• Best suited for individuals with a focus on dining benefits.
• Earns Reward Points and 2X EazyPoints on spends.
• Lacks benefits in other categories such as travel, lounge access, or golf.

Other Details

• Contactless Credit Card Features
  • The card supports contactless payments, allowing for fast, convenient, and secure purchases by tapping the card at compatible merchant locations.
  • It can be used at over 10 lakh merchant outlets in India and over 30 million outlets worldwide that accept card payments.
  • Cardholders can make purchases at merchant establishments, for travel, online or e-commerce websites, and withdraw cash in India and across the globe.
  • It ensures safe online shopping and e-commerce transactions.
  • Contactless payments can be made for amounts up to INR 5,000.
• Card Type: Reward Points based.
• Co-branded Partnership: The EazyDiner IndusInd Bank Platinum Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with EazyDiner Private Limited, operating under a revenue-sharing arrangement.
• About EazyDiner: EazyDiner is India’s leading food discovery, table reservation, and restaurant payment platform, founded by experienced restaurateurs and hoteliers. It enables users to discover restaurants, secure reservations within 10 seconds at over 15,000+ restaurants, and benefit from deals with every reservation. Users can earn EazyPoints (loyalty rewards redeemable for free meals and hotel stays). EazyDiner Prime offers a guaranteed 25% to 50% off at top bars and restaurants.
• How to Apply:
  • Input your basic details online.
  • The bank will fetch the best offer for you based on your details.
  • Sign the application digitally and complete instant V-KYC to get your card.