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EazyDiner IndusInd Platinum Credit Card VS IDFC FIRST Classic 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

EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
Not Applicable as the card is offered Lifetime Free with no annual fees.
Foreign Transaction Fees
3.5% of the Transaction Amount
3.5% markup fee on all international transactions.
Interest Rate (APR)
3.83% Monthly and 46% Annually
Competitive APR ranging from 8.5% to 46.2% based on the cardholder's credit profile.

Rewards & Benefits

Welcome Bonus
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
₹500 voucher on spending ₹5,000 within 30 days and 5% cashback on the first EMI transaction.
Rewards Rate
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
3X points on monthly spends up to ₹20,000; 10X points on incremental spends above ₹20,000.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
INR 100
A convenience fee of ₹99 + GST applies per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
4 complimentary visits per quarter to eligible railway lounges across India.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
4 complimentary railway lounge visits per quarter and bonus points on flight and hotel bookings.
Movie Benefits
Not Applicable
25% discount on movie tickets up to ₹100 per month via District by Zomato mobile app.
Dining Benefits
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Up to 20% discount at 1,500+ restaurants and 15% discount at 3,000+ health outlets.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver across all fuel stations; GST on fuel surcharge is applicable.
1% surcharge waiver on fuel spends between ₹200 and ₹5,000, capped at ₹200 per cycle.

Security & Other

Insurance Benefits
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
Personal accident cover of ₹2,00,000 and lost card liability coverage up to ₹25,000.
Cash Advance Charges
2.5% of the Amount or a Minimum of INR 300
Transaction fee of ₹199 + GST with 0% interest for up to 45 days on withdrawals.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

EazyDiner IndusInd Platinum Credit Card

IDFC FIRST Classic Credit Card

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.

Who is it for?

The First Classic Credit Card is a premium lifetime-free offering that combines unique 'never-expiring' reward points with exceptionally low interest rates starting at 8.5%. It is designed for lifestyle and travel enthusiasts, providing rare perks like railway lounge access, movie discounts, and roadside assistance without any annual maintenance costs.

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.

Pros

Key benefits and features.

The card is completely lifetime free with no joining or annual fees ever charged to the user.

Reward points earned on this card never expire, providing flexibility for long-term accumulation.

Offers an industry-leading interest rate starting as low as 8.5% for eligible customers.

Includes rare benefits like complimentary railway lounge access and 24/7 roadside assistance.

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.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 is charged every time you claim your earned reward points.

The highly advertised 10X reward rate only kicks in after spending ₹20,000 in a month.

This card does not provide any complimentary access to domestic or international airport lounges.

Users must meet a monthly spend threshold of ₹20,000 to unlock railway lounge benefits.

Ready to Choose?

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