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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.
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Last updated: 21 July 2026

EazyDiner IndusInd Platinum Credit Card and IDFC FIRST Classic Credit Card target different priorities — dining versus shopping. 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. IDFC FIRST Classic Credit Card is lifetime-free and earns 3X points on monthly spends up to ₹20,000; 10X points on incremental spends above ₹20,000. EazyDiner IndusInd Platinum Credit Card also brings total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud, while IDFC FIRST Classic Credit Card counters with 4 complimentary visits per quarter to eligible railway lounges across India. If dining spending matters more, go with EazyDiner IndusInd Platinum Credit Card; if shopping is the priority, IDFC FIRST Classic Credit Card fits better.

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

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is lifetime free.
Spend Based Waiver
Foreign Transaction Fees3.5% of the Transaction Amount
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.83% Monthly and 46% Annually
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum, depending on credit profile.

Rewards & Benefits

Welcome BonusEnjoy a 3-month EazyDiner Prime membership (INR 1,095 value) and receive 500 welcome bonus EazyPoints.
Welcome BonusUp to ₹1,500 in welcome benefits (₹500 gift voucher + 5% cashback on first EMI).
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Rewards Rate10X Reward Points on Dining, Travel, International, Birthday spends; 3X on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 100
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access4 complimentary railway lounge accesses every quarter (spend condition applies).
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsComplimentary roadside assistance, zero convenience fees on flight bookings via app.
Movie Benefits
Movie Benefits25% discount on movie tickets (up to ₹100) on the District app once per month.
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Dining BenefitsUp to 20% discount at over 1500+ restaurants.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.
Fuel Surcharge Waiver1% waiver (up to ₹200/cycle) on transactions between ₹200 and ₹5,000.

Security & Other

Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Insurance Benefits₹2 Lakhs personal accident cover & ₹25,000 lost card liability cover.
Cash Advance Charges2.5% of the Amount or a Minimum of Rs. 300
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
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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 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 IDFC FIRST Classic Credit Card is a lifetime-free card offering robust privileges across lifestyle, travel, dining, and digital transactions. It provides up to ₹1,500 in welcome benefits, including a gift voucher and cashback on the first EMI. Cardholders earn up to 10X Reward Points on specific categories and enjoy complimentary railway lounge access, movie discounts, and comprehensive insurance. This card is ideal for individuals seeking a rewarding entry-level option without annual fees.

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.

Lifetime Free: No joining or annual fees, ensuring cost-free ownership.

Attractive welcome benefits up to ₹1,500 including gift voucher and cashback.

Earn up to 10X Reward Points on dining, travel, international, and birthday spends.

Enjoy 4 complimentary railway lounge accesses, roadside assistance, and zero flight booking fees.

Monthly movie discounts and up to 20% off at over 1500+ partner restaurants.

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.

Railway lounge access requires a minimum spend of ₹20,000 in the prior month.

A fee of ₹99 + GST is charged for each reward redemption.

A 3.5% foreign currency markup fee is applicable.

The card does not offer complimentary airport lounge access.

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 IDFC FIRST Classic Credit Card(opens in new tab)