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BOBCARD Premier Credit Card VS EazyDiner IndusInd Platinum Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both BOBCARD Premier Credit Card and EazyDiner IndusInd Platinum Credit Card suit dining-focused spenders, but they earn and cost differently. BOBCARD Premier Credit Card is lifetime-free and earns 10 RP per ₹100 on Travel, Dining & International Spends; 2 RP per ₹100 on other eligible categories. EazyDiner IndusInd Platinum Credit Card is lifetime-free and earns 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints. BOBCARD Premier Credit Card also brings 1 complimentary access per quarter, subject to ₹20,000 spend in preceding quarter from Jan 2025, while EazyDiner IndusInd Platinum Credit Card counters with total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud. If travel spending matters more, go with BOBCARD Premier Credit Card; if dining is the priority, EazyDiner IndusInd Platinum Credit Card fits better.

BOBCARD Premier Credit Card
BOBCARD Premier Credit Card
EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverJoining fee waived on ₹10,000 spends in 60 days. Annual fee waived on ₹1,20,000 spends annually.
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% on the transaction amount.
Foreign Transaction Fees3.5% of the Transaction Amount
Interest Rate (APR)3.75% Per Month (45% Per Annum).
Interest Rate (APR)3.83% Monthly and 46% Annually

Rewards & Benefits

Welcome BonusGet 500 bonus Reward Points on spends of ₹5,000 or more within the first 60 days of card issuance.
Welcome BonusEnjoy a 3-month EazyDiner Prime membership (INR 1,095 value) and receive 500 welcome bonus EazyPoints.
Rewards RateEarn 10 RP/₹100 on Dining, Travel, International (capped 2k RP/month); 2 RP/₹100 on others.
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeRs. 100

Travel & Lifestyle

Domestic Lounge Access1 complimentary Domestic Airport Lounge Access every calendar quarter at selected airports in India.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits1 complimentary Domestic Airport Lounge Access quarterly. Earn 5X Reward Points on Travel spends.
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsEarn 5X Rewards (10 Reward Points per ₹100) on Dining spends. Access to mouthwatering Culinary Offers.
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per month.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.

Security & Other

Insurance BenefitsIncludes personal accident insurance. Zero Liability on lost card upon immediate reporting.
Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Cash Advance Charges2.5% or ₹500 (whichever is higher).
Cash Advance Charges2.5% of the Amount or a Minimum of Rs. 300
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Premier Credit Card

EazyDiner IndusInd Platinum Credit Card

Who is it for?

The BOBCARD Premier Credit Card is a mid-range to premium travel-focused credit card, ideal for frequent domestic travelers and those who enjoy dining and international transactions. It offers accelerated reward points on these categories, complimentary domestic airport lounge access, and a fuel surcharge waiver. Currently available as a limited-time lifetime free offer, it also supports UPI linkage via its RuPay variant, making it a valuable option for diverse spending needs.

Who is it for?

The EazyDiner IndusInd Platinum Credit Card is an entry-level, lifetime-free credit card designed for frequent diners. It offers significant savings with a guaranteed 25% discount on dining and an additional 20% off via the EazyDiner app. As a co-branded card with EazyDiner, it provides enhanced dining experiences without any joining or renewal charges, making it ideal for those prioritizing dining savings.

Pros

Key benefits and features.

Currently available as a lifetime free credit card (limited-time offer) with a decent reward rate.

Offers free domestic airport lounge access across the country.

Provides 5X reward points on travel, dining, and international spending.

Beneficial for taking advantage of various BOBCARD Credit Card offers.

Includes a fee waiver on milestone spends for the paid version.

Pros

Key benefits and features.

Lifetime free status means no joining or annual fees, making it highly economical.

Guaranteed 25% dining discount plus an extra 20% off via EazyDiner app.

Welcome benefits include a 3-month EazyDiner Prime membership and 500 EazyPoints.

Milestone benefits offer Prime renewal and bonus Reward Points on quarterly spends.

"Total Protect" program provides comprehensive insurance cover against card fraud.

Cons

Key drawbacks and limitations.

High 3.5% foreign currency markup fee, despite accelerated international spend rewards.

Accelerated 5X Reward Points are capped at 2,000 points per month in specific categories.

Complimentary lounge access will become conditional on minimum spends from January 1, 2025.

Cons

Key drawbacks and limitations.

Limited versatility as benefits are primarily focused on dining, lacking travel perks.

Reward points are not earned on fuel, insurance, rent, utility, and government payments.

Extra 20% dining discount is capped at 3 usages per month and has specific conditions.

Rewards redemption fee of Rs. 100 applies, reducing the overall value of points.

High foreign currency markup of 3.5% makes international spends expensive.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BOBCARD Premier Credit Card(opens in new tab)Apply for EazyDiner IndusInd Platinum Credit Card(opens in new tab)