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EazyDiner IndusInd Platinum Credit Card VS Swiggy HDFC Bank Credit Card VS Zomato Edition Classic Credit Card

A detailed, side-by-side look at 3 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
Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card

Fees & Charges

Joining Fee
Nil
₹500 + GST
₹500 + GST
Renewal Fee
Nil
₹500 + GST
₹500 + GST
Spend Based Waiver
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Not Applicable
Foreign Transaction Fees
3.5% of the Transaction Amount
3.5% + GST
Up to 3.5% (plus applicable taxes)
Interest Rate (APR)
3.83% Monthly and 46% Annually
3.75% per month or 45% per annum
3.99% per month (equivalent to 47.88% annually)

Rewards & Benefits

Welcome Bonus
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
Complimentary Swiggy One Membership for 3 months upon card activation.
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Rewards Rate
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
10% on Swiggy, 5% on online spends, and 1% on other categories.
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends.
Reward Type
Reward Points
Cashback
Reward Points
Reward Redemption Fee
INR 100
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Not Applicable
Travel Benefits
Not Applicable
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Not Applicable
Movie Benefits
Not Applicable
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Not Applicable
Dining Benefits
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
Golf Benefits
Not Applicable
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
1% waiver across all fuel stations; GST on fuel surcharge is applicable.
Not Applicable
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.

Security & Other

Insurance Benefits
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Not Applicable
Cash Advance Charges
2.5% of the Amount or a Minimum of INR 300
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of the withdrawn amount (with a minimum charge of ₹500)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

EazyDiner IndusInd Platinum Credit Card

Swiggy HDFC Bank Credit Card

Zomato Edition 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 Swiggy HDFC Bank Credit Card is a popular co-branded cashback card, ideal for frequent Swiggy users and online shoppers. It offers significant benefits, including 10% cashback on Swiggy spends, 5% on other online transactions, and a complimentary 3-month Swiggy One membership. With a low annual fee that can be waived, and Mastercard World Tier benefits like golf privileges, it provides substantial annual savings for those whose spending habits align with its rewards structure.

Who is it for?

The Zomato Edition Classic Credit Card, a collaboration between RBL Bank, Zomato, and MasterCard, is designed for Zomato users seeking exclusive dining benefits. This card provides a complimentary annual Zomato Pro membership and offers 500 Edition Cash as a welcome benefit. Cardholders earn accelerated Edition Cash on Zomato and Blinkit purchases, along with a standard rate on other expenditures, and can redeem points for food or statement balance. It's an excellent choice for frequent online food orderers.

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.

Excellent cashback structure with 10% on Swiggy and 5% on select online platforms.

Complimentary 3-month Swiggy One membership worth ₹1199 as a valuable welcome benefit.

Significant annual savings potential, possibly amounting to ₹42,000 for frequent users.

Mastercard World Tier benefits, including exclusive golf privileges and travel discounts.

Low standard annual fee of ₹500 + GST, often waived based on annual spending.

Pros

Key benefits and features.

Offers exclusive dining benefits with a complimentary Zomato Pro membership.

Accelerated rewards of 5 Edition Cash on Zomato and Blinkit spends.

Redeem Edition Cash for Zomato purchases or against credit card statement.

Get 2,000 bonus Edition Cash annually by spending over ₹2,00,000.

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.

Lacks complimentary airport lounge access, a common perk available with many other credit cards.

Cashback caps (₹1,500/billing cycle) might limit maximum benefits for very high spenders.

Several exclusions apply to cashback, including gift cards and grocery purchases online.

Primary benefits are largely restricted to Swiggy and selected online merchants, not universal.

Cons

Key drawbacks and limitations.

Lacks any complimentary domestic or international airport lounge access facilities.

Does not offer any specific benefits for travel, golf, or insurance needs.

High interest rates of 3.99% per month, equating to 47.88% annually.

A 1% fuel surcharge is levied on transactions, with a minimum charge of ₹10.

Ready to Choose?

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