IDFC FIRST Select Credit Card

EazyDiner IndusInd Bank Signature Credit Card

Best For

Shopping

Travel

Utility Bills

Best For

Shopping

Dining

Travel

Cashback

APPLY AND GET700 GIFT CARD

Cashback

APPLY AND GET1000 GIFT CARD

Top Benefits

  • and Wallet Load Spends i.e. 3 reward points per ₹200 spent
  • spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire

Top Benefits

  • via the card redeemable for free hotel stays, free meals and exclusive restaurant events across India
  • with guaranteed 25%-50% off at 2,000+ premium restaurants, plus 2,000 welcome bonus EazyPoints

Welcome Benefits

Welcome Benefits

  • ₹500 gift voucher from choice of brands like Amazon, Bigbasket, Uber, or Lifestyle upon spending ₹5,000 within 30 days of card generation
  • Spends are eligible on primary card only
  • Not applicable on UPI, Add-on card transactions, wallet load, or EMI converted transactions

Welcome Benefits

Welcome Benefits

  • 12-month EazyDiner Prime membership worth ₹3,550 guaranteed 25%-50% off at 2,000+ premium restaurants and bars
  • 2,000 welcome bonus EazyPoints redeemable for free hotel stays, free meals, and exclusive EazyEvents
  • The Postcard Hotel stay voucher worth ₹7,500 for luxury stays across destinations in India and worldwide

Travel Benefits

Flight Benefits

  • This card does not offer any benefits in this category

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn 10 reward points per ₹100 spent on hotel & travel bookings, shopping, and entertainment

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 1 complimentary domestic airport lounge visit per quarter at select airports
  • Spend ₹20,000 in the current calendar month to unlock lounge access in the following month

Railway Lounge Benefits

  • 4 complimentary railway lounge visits per quarter at Indian railway terminals
  • Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month

 

Lounge Benefits

Airport Lounge Benefits

  • This card does not offer any benefits in this category

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • Buy 1 Get 1 free on movie tickets at select cinemas up to ₹125 on Paytm mobile app (valid twice per month)

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining

  • Extra 25% off up to ₹1,000 per transaction when paying via the EazyDiner App
  • Monthly discount cap of ₹2,000 with no spend condition; unlock additional ₹3,000 discount by spending ₹30,000 on non-dining transactions in previous calendar month - total monthly cap of ₹5,000
  • Extra 25% off NOT applicable on physical card payments, UPI, wallets, or other payment modes - only via EazyDiner App
  • No consecutive transactions at the same restaurant within 120 minutes
  • Discount auto-applied on EazyDiner App - no promo code needed
  • EazyDiner Prime membership (included as welcome benefit) provides guaranteed 25%-50% off at 2,000+ premium restaurants

Fuel Benefits

Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver up to ₹300 per month at all fuel stations across India, on transaction values between ₹200 & ₹5000

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver across all fuel stations in India, valid on spends between ₹400 and ₹4,000 per transaction

Insurance

Insurance Benefits

  • Free trip cancellation cover up to ₹10,000 on flight bookings made with the card

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • Redeem EazyPoints for free hotel stays, free meals, and exclusive EazyEvents across the country

Joining Fee

₹0

Joining Fee

₹2999

Joining Fee Waiver

₹500 gift voucher from a partner brand on card issuance.

Joining Fee Waiver

Complimentary EazyDiner Prime membership worth ₹3,550, 2,000 welcome bonus EazyPoints, and Postcard Hotel stay voucher worth ₹7,500 on card issuance.

Annual Fee

₹0

Annual Fee

₹2999

Annual Fee Waiver

Not Applicable

Annual Fee Waiver

The annual fee of ₹2999 is non-waivable and will be charged every year.

Minimum Age

21

Minimum Age

21

Maximum Age

60

Maximum Age

60

Income (Salaried)

12 LPA

Income (Salaried)

9 LPA

Income (Self-Employed)

12 LPA

Income (Self-Employed)

12 LPA

Credit Score Required

750

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

1.99%

Forex Markups

3.50%

APR Fees

3.85%

APR Fees

3.83%

ATM withdrawal

₹199

ATM withdrawal

2.50%

Reward Redemption Fees

₹99

Reward Redemption Fees

₹100

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

Not Applicable

Cash Payment Fees

₹100

Check Payment Fees

Not Applicable

Check Payment Fees

₹100

Max Fee

8000

View Breakdown

Max Fee

800

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

We value your time and privacy. Your details stay secure and are used only to help you.

We value your time and privacy. Your details stay secure and are used only to help you.