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EazyDiner IndusInd Platinum Credit Card VS CRED IndusInd Bank RuPay 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: 17 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card
CRED IndusInd Bank RuPay Credit Card
CRED IndusInd Bank RuPay Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeFree (1st year)
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based WaiverNot applicable as the card is lifetime free.
Spend Based Waiver
No fee waiver facility available for the annual fee.
Foreign Transaction Fees3.5% of the Transaction Amount
Foreign Transaction Fees3.5%
Interest Rate (APR)3.83% Monthly and 46% Annually
Interest Rate (APR)3.95% per month (47.40% per annum)

Rewards & Benefits

Welcome BonusEnjoy a 3-month EazyDiner Prime membership (INR 1,095 value) and receive 500 welcome bonus EazyPoints.
Welcome BonusNo Joining Fee: The card comes with a Nil joining fee.
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Rewards RateEarn 5% back as CRED Points on E-commerce, CRED transactions & CRED UPI spends; 1% on other transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 100
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsRedeem CRED Points for flight and hotel bookings via the CRED app at 1:1 value.
Movie Benefits
Movie Benefits
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500-₹5000, max waiver of Rs. 300 per month.

Security & Other

Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Insurance BenefitsTotal Protect Program provides insurance cover equal to credit limit for unauthorized transactions & counterfeit fraud.
Cash Advance Charges2.5% of the Amount or a Minimum of Rs. 300
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

EazyDiner IndusInd Platinum Credit Card

CRED IndusInd Bank RuPay Credit Card

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.

Who is it for?

The CRED IndusInd Bank RuPay Credit Card is an entry-level co-branded card offering accelerated rewards, especially 5% back as CRED Points on e-commerce, CRED app, and UPI transactions. It features the 'Total Protect' program for enhanced security and allows seamless UPI payments. Ideal for online shoppers and CRED users, this card provides significant value-back at a low annual fee, making it a strong choice for digital-first consumers.

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.

Pros

Key benefits and features.

5% rewards on all online spends without merchant restrictions.

Up to 5% savings on co-branded spends, including UPI transactions made via the CRED app.

Enjoy a favorable 1:1 rewards redemption ratio for travel bookings and CRED Store purchases.

The card comes with a Nil joining fee, making it accessible without upfront costs.

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.

Cons

Key drawbacks and limitations.

No rewards on UPI, insurance, and utility spends made outside the CRED app.

Rewards can only be redeemed on the CRED app.

No significant lifestyle benefits beyond the rewards program.

The annual renewal fee cannot be waived off, regardless of spending thresholds.

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 EazyDiner IndusInd Platinum Credit Card(opens in new tab)Apply for CRED IndusInd Bank RuPay Credit Card(opens in new tab)