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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.

Features

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

Fees & Charges

Joining Fee
₹1,000 + GST
Nil
Renewal Fee
₹1,000 + GST
Nil
Spend Based Waiver
Joining fee waived for ₹10,000 spend in 60 days; renewal fee waived for ₹1.2 Lakh annual spend.
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
Foreign Transaction Fees
3.5% on the transaction amount.
3.5% of the Transaction Amount
Interest Rate (APR)
3.75% per month (45% per annum).
3.83% Monthly and 46% Annually

Rewards & Benefits

Welcome Bonus
500 bonus reward points (worth ₹125) on spending ₹5,000 or more within 60 days of card issuance.
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
Rewards Rate
Earn 10 RP per ₹100 on Travel, Dining & International Spends; 2 RP per ₹100 on other eligible categories.
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
INR 100

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter, subject to ₹20,000 spend in preceding quarter from Jan 2025.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Earn 10 RP per ₹100 on travel spends, plus complimentary domestic lounge access and travel deals.
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Earn 5X Rewards (10 RP per ₹100) on dining spends + access to mouthwatering culinary offers.
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹5,000 transactions), max ₹250 waiver per statement cycle.
1% waiver across all fuel stations; GST on fuel surcharge is applicable.

Security & Other

Insurance Benefits
Free Personal Accidental Death Cover: ₹50 Lakhs for air travel, ₹10 Lakhs for non-air.
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
Cash Advance Charges
2.5% of the transaction amount or ₹500, whichever is higher.
2.5% of the Amount or a Minimum of INR 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 ideal for frequent travelers and diners, offering accelerated 5X reward points on these categories and international spends. It includes complimentary domestic airport lounge access and fuel surcharge waivers, providing significant value. Currently available as lifetime free, it’s a competitive choice for those seeking premium travel perks without a hefty annual fee, supported by personal accidental death cover and UPI linkage for convenience.

Who is it for?

The EazyDiner IndusInd Bank Platinum Credit Card is a lifetime-free card designed for dining enthusiasts, offering significant discounts and rewards at premium restaurants. It provides guaranteed savings via EazyDiner Prime membership and additional instant discounts on payments. Ideal for frequent diners and youngsters, this card ensures an enhanced dining experience with competitive reward points and milestone benefits. Though focused on dining, it delivers excellent value without any recurring fees.

Pros

Key benefits and features.

This BOBCARD Premier is currently available as a lifetime free credit card.

Enjoy 10 Reward Points per ₹100 on travel, dining, and international spends.

Receive complimentary domestic airport lounge access once every calendar quarter.

Utilize diverse BOBCARD Credit Card offers, enhancing overall savings and value.

Pros

Key benefits and features.

Lifetime free with zero joining and renewal fees, making it highly accessible.

Offers significant dining savings with guaranteed discounts via EazyDiner Prime.

Additional instant 20% off on PayEazy for enhanced dining value and savings.

Earn competitive Reward Points and 2X EazyPoints on most spending categories.

Milestone benefits enable renewal of Prime membership and extra reward points.

Cons

Key drawbacks and limitations.

The 3.5% foreign currency markup can significantly reduce benefits for heavy international spenders.

Accelerated 5X Reward Points on categories are capped at 2,000 points per statement cycle.

From Jan 2025, lounge access is conditional on meeting a minimum spend of ₹20,000 per quarter.

Cons

Key drawbacks and limitations.

The EazyDiner IndusInd Bank Platinum Card lacks benefits for travel or lounge access.

Fuel transactions do not earn any Reward Points, limiting overall reward potential.

A rewards redemption fee of INR 100 is charged for redeeming points.

Additional 20% dining discount is capped at 3 usages per calendar month.

Reward points earned on the card have a limited validity of just one year.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.