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EazyDiner IndusInd Platinum Credit Card VS IndusInd Bank ePay Amex 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
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
IndusInd Bank ePay Amex Credit Card
IndusInd Bank ePay Amex 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 Transaction Amount
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 BonusComplimentary 3-Month Zomato Gold Membership and Times Prime Membership on Rs. 2 lakh annual spend.
Rewards RateEarn 2 Reward Points on every INR 100 spent (excl. fuel, insurance, rent, utility, govt. payments).
Rewards RateEarn 4-10 RPs per transaction (min Rs. 500) based on transaction count; 2X RPs in 12th month.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 100
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsGuaranteed 25% discount on dining bills + additional instant 20% off via EazyDiner app (up to INR 500).
Dining BenefitsComplimentary 3-Month Zomato Gold with unlimited free delivery, up to 40% off at partner restaurants.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver across all fuel stations in India.
Fuel Surcharge Waiver

Security & Other

Insurance BenefitsTotal Protect program covers fraudulent use, loss/theft, and counterfeit fraud up to credit limit.
Insurance BenefitsAir Accident Cover up to Rs. 1 Lakh and 'Total Protect' for counterfeit fraud up to credit limit.
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

IndusInd Bank ePay Amex 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 IndusInd Bank ePay Amex Credit Card is a virtual credit card designed for secure digital payments, offering enhanced security. It provides a 3-Month Zomato Gold Membership, a unique increasing reward points structure up to 10 RPs per transaction, and 2X Reward Points in the 12th month for consistent usage. It also offers a Times Prime Membership on achieving an annual spend milestone, making it ideal for digital-savvy users seeking rewards and security.

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.

Unique increasing Reward Points structure, earning up to 10 RPs per transaction.

Complimentary 3-Month Zomato Gold membership is great for food enthusiasts.

Loyalty-based 2X Reward Points program encourages consistent card usage.

Being a virtual credit card, it offers enhanced security for digital transactions.

Nil joining and annual fees make this IndusInd Bank card a lifetime free card.

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.

The cash credit redemption value of 1 Reward Point = Rs. 0.35 is relatively low.

Does not offer any complimentary domestic or international lounge access.

Lacks a fuel surcharge waiver, which can be a drawback for fuel spends.

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

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 IndusInd Bank ePay Amex Credit Card(opens in new tab)