IndusInd Bank
EazyDiner IndusInd Bank Platinum Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹1000 Rewards
Top Benefits
Get a complimentary 3-month EazyDiner Prime
membership worth ₹1,095 as a welcome benefit on card activation, with guaranteed 25–50% off at 2,000+ partner restaurants and bars
Get 500 Welcome EazyPoints
on card activation as a one-time joining benefit
Best For
Dining
Dining out just got significantly cheaper with the EazyDiner IndusInd Bank Platinum Credit Card. Buil...
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Dining out just got significantly cheaper with the EazyDiner IndusInd Bank Platinum Credit Card. Buil...
Dining out just got significantly cheaper with the EazyDiner IndusInd Bank Platinum Credit Card. Built specifically for people who frequently visit restaurants and order food, this card offers a straightforward way to reduce your dining bills without forcing you to pay an annual membership fee. Since both the joining and annual fees are set to zero, you get a lifetime free credit card that actively rewards your restaurant spending.
The core value proposition of this card revolves around its partnership with EazyDiner. You receive an extra 20% discount up to Rs. 500 when you pay your restaurant bill through the PayEazy feature on the EazyDiner app. This applies to both dine-in and takeaway orders at partner restaurants. Instead of making you navigate a complex rewards catalogue, the card allows you to instantly redeem your accumulated reward points directly against your dining bills.
This card works great for salaried professionals, self-employed individuals, and young adults who want lifestyle perks without the burden of recurring fees. While premium cards charge heavy fees for dining privileges, this zero-fee card gives you a 3-month EazyDiner Prime membership as a welcome gift, making it an excellent primary dining card or a valuable addition to your existing wallet.
View FAQ
Commonly Asked Questions
Is the EazyDiner IndusInd Bank Platinum Credit Card lifetime free?
Yes, this card is effectively lifetime free. It comes with zero joining fees and zero annual renewal fees, meaning you can keep the card active without worrying about yearly charges.
Who should apply for this card?
This card is ideal for frequent diners and food enthusiasts. If you regularly eat out or order takeaway from PayEazy-enabled restaurants, the 20% discount and direct point redemption will help you save substantial money.
What makes this card different from other dining cards?
Unlike many dining credit cards that charge high annual fees for premium restaurant discounts, this card offers a flat 20% discount via PayEazy and a Prime membership while maintaining a zero-fee structure.
Can I use this card for daily shopping?
Yes, you can use it for all regular purchases. You earn 2 reward points for every Rs. 100 spent on eligible transactions, making it useful for your daily grocery, apparel, and retail shopping.
Expert Review
In my experience analyzing dozens of lifestyle credit cards, the EazyDiner IndusInd Bank Platinum Credit Card stands out purely because it asks for so little while giving so much back to a specific type of user. The fact that it offers a permanent zero joining and annual fee makes it a completely risk-free addition to your wallet.
The 20% discount on PayEazy is undeniably the star of the show. If you take your family out to dinner twice a month and run up a Rs. 3,000 bill each time, this card puts Rs. 1,000 directly back into your pocket every month without making you pay a subscription fee. The instant point redemption system is exactly how modern credit cards should work—no catalogues, no shipping delays, just direct invoice reduction.
However, it is not a perfect card. My biggest criticism is the extremely weak base reward rate of 0.4% on general shopping. Using this card to buy a Rs. 50,000 laptop yields a measly Rs. 200 in value, which is poor by any industry standard. It is strictly a specialized dining card. Use it aggressively at restaurants to maximize the discounts, but keep a separate 1% to 5% cashback card in your pocket for your major electronics, online shopping, and utility bills.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
One of the strongest selling points of the EazyDiner IndusInd Bank Platinum Credit Card is its fee st...
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One of the strongest selling points of the EazyDiner IndusInd Bank Platinum Credit Card is its fee st...
One of the strongest selling points of the EazyDiner IndusInd Bank Platinum Credit Card is its fee structure. The bank charges a joining fee of exactly Rs. 0. This means you do not have to pay any upfront cost to get the card issued and shipped to your home.
The long-term cost is equally attractive because the annual fee is also Rs. 0. You will not face a surprise renewal charge on your card anniversary each year. Because there are no joining or annual fees, you never have to worry about hitting minimum spending targets just to get a fee waiver. For example, if you decide not to use the card for two months, you don't lose any money to maintenance fees. This effectively makes it a lifetime free credit card, allowing you to enjoy the Prime membership and 20% dining discounts with complete peace of mind.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 0. You do not have to pay anything to acquire this credit card.
Is the joining fee one-time or recurring?
A joining fee is generally a one-time charge, but for this specific card, the cost is completely zero anyway.
What is the annual or renewal fee?
From the second year onwards, the annual renewal fee is Rs. 0. There are no yearly maintenance charges.
Is there an annual fee waiver option based on spending?
Because the annual fee is already zero, there is no need to meet any specific spending thresholds to secure a fee waiver.
How can I get this card lifetime free?
The card is inherently lifetime free by design, as the bank has permanently set both the joining and annual fees to zero.
Are there any hidden maintenance fees?
No, there are no hidden annual maintenance fees. However, standard usage fees like late payment charges or forex markups will apply based on how you use the card.
Do I have to pay GST on the annual fee?
Since the annual fee is Rs. 0, there is no GST applicable on card renewal.
If my card is lifetime free, do I still get the welcome benefits?
Yes, despite being a zero-fee card, you still receive the 3-month EazyDiner Prime membership and 500 EazyPoints upon completing your first Rs. 100 transaction.
Eligibility
Age
Criteria*
25-70 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
Before applying for the EazyDiner IndusInd Bank Platinum Credit Card, you need to ensure you meet the...
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Before applying for the EazyDiner IndusInd Bank Platinum Credit Card, you need to ensure you meet the...
Before applying for the EazyDiner IndusInd Bank Platinum Credit Card, you need to ensure you meet the bank's fundamental requirements. The primary cardholder must be between the ages of 18 and 70 years. This wide age bracket makes the card accessible to young college graduates just starting their careers, as well as retired individuals who want dining benefits.
From an income perspective, the bank requires a minimum monthly salary of Rs. 25,000. That translates to an annual income of Rs. 3 Lakhs. This relatively accessible income requirement makes the card easy to get for mid-level professionals. The income rule is identical whether you are a salaried employee working for a company or a self-employed professional running your own business.
Your credit history plays a vital role in the approval process. The bank looks for a minimum CRIF or CIBIL score of 700. A score of 700 demonstrates responsible credit behavior, such as paying past loan EMIs and credit card bills on time. If your score is 700 or above and you meet the income threshold, your chances of approval are very high.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 18 years old to be eligible for this credit card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 70 years at the time of submitting your application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 25,000 to qualify. This means an annual income package of at least Rs. 3 Lakhs is required.
What is the minimum annual income for self-employed applicants?
Self-employed business owners and freelancers also need to show an income equivalent to Rs. 25,000 per month, or an annual income of Rs. 3 Lakhs via their tax returns.
Can self-employed individuals apply for this card?
Yes, both salaried employees and self-employed professionals are welcome to apply, provided they meet the basic income and credit score criteria.
What credit score is needed for approval?
A minimum credit score of 700 on the CRIF or CIBIL bureau is required for a smooth approval process.
Will my application be rejected if my credit score is below 700?
While a score below 700 greatly increases the chances of rejection, banks sometimes consider other factors like your existing banking relationship. However, meeting the 700 threshold is strongly advised.
Do I need to be an Indian citizen to apply?
Yes, standard credit card applications require you to be a resident Indian citizen with valid KYC documents.
Can I get this card if I have no credit history?
You can secure this card by opening a fixed deposit of at least Rs. 50,000 with IndusInd Bank if you do not have an existing credit score.
How do I prove my income?
Salaried applicants generally need to provide their last 2-3 months' salary slips, while self-employed applicants must submit their latest Income Tax Returns (ITR).
All Card Benefits
- Earn 2 Reward Points on every ₹100 spent
- Earn 2,000 Reward Points on spending ₹30,000 every 90 days
- 3-month Prime membership renewal on spends of ₹30,000 every 90 days
- Instant redemption of reward points via PayEazy against restaurant bills
Welcome Benefits
Getting started with this card brings immediate value. Upon successful activation...
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Welcome Benefits Getting started with this card brings immediate value. Upon successful activation...
Welcome Benefits
Getting started with this card brings immediate value. Upon successful activation, you receive a 3-month EazyDiner Prime Membership valued at Rs. 1,095. This membership grants you guaranteed discounts from 25% to 50% at premium restaurants across India. In addition to the membership, the bank credits 500 welcome bonus EazyPoints to your account. You can use these bonus points on the EazyDiner app for future dining reservations and payments.
Reward Points Structure
The reward system is designed to be straightforward and rewarding for regular spenders. You earn 2 Reward Points for every Rs. 100 spent on the card. Each reward point holds a fixed value of Rs. 0.20. For example, if you spend Rs. 10,000 on shopping this month, you earn 200 Reward Points. These points translate to Rs. 40 in actual value.
The card also offers an attractive milestone benefit to boost your earnings. If you spend Rs. 30,000 within a 90-day period, you receive a bonus of 2,000 Reward Points. Since each point equals Rs. 0.20, this bonus is worth Rs. 400. In addition to these points, hitting this Rs. 30,000 milestone automatically renews your Prime membership for another 3 months.
Dining Benefits
The dining advantages go beyond just the welcome Prime membership. As a cardholder, you get an extra 20% off your bill when you eat at or order takeaway from PayEazy-enabled restaurants. This discount is capped at Rs. 500 per transaction and can be used 3 times per calendar month. For example, if your restaurant bill is Rs. 2,000, you save Rs. 400 instantly. Over a month, maximizing this benefit three times saves you Rs. 1,500.
Fuel Surcharge Waiver Benefits
Commuting costs can add up quickly, but this card provides a small relief at the pump. You receive a 1% fuel surcharge waiver across all fuel stations in India. This means that when the standard bank surcharge is applied to your credit card swipe at a petrol pump, it is automatically reversed in your statement.
Insurance Benefits
Security is a major concern for credit card users. This card comes with a Total Protect insurance cover up to your assigned credit limit. This policy protects you against unauthorized transactions if your card is lost or stolen. It also covers counterfeit fraud for up to 48 hours before you officially report the loss to the bank. For example, if someone duplicates your card and spends Rs. 20,000, you are protected from liability as long as you report it within the specified timeframe.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to activate your card by completing a minimum transaction of Rs. 100 within 30 days of card issuance. Failing to do this makes you ineligible for the welcome rewards.
What exactly is the EazyDiner Prime membership?
The Prime membership is a premium subscription on the EazyDiner platform. It provides guaranteed discounts of 25% to 50% at top-tier restaurants, priority reservations, and complimentary items at select venues.
What is the monetary value of the welcome benefit?
The 3-month Prime Membership itself is worth Rs. 1,095. The additional 500 bonus EazyPoints provide further monetary value when you redeem them against your dining bills on the app.
Can I renew the Prime membership for free after 3 months?
Yes, you can automatically renew your 3-month Prime membership by meeting a specific spending milestone. You simply need to spend Rs. 30,000 every 90 days on your credit card.
When will the welcome points appear in my account?
The welcome points and Prime membership activation details are credited to your account within 15 to 20 working days after your first qualifying transaction of Rs. 100 or more clears.
What is the standard reward rate on this card?
You earn 2 reward points for every Rs. 100 spent on eligible transactions. With each point valued at Rs. 0.20, this gives you an effective base reward rate of 0.4% on standard purchases.
What is the value of 1 reward point in rupees?
Each reward point has a monetary value of Rs. 0.20. This means you need 5 reward points to equal 1 Rupee in redemption value.
How do the milestone bonus points work?
If you accumulate Rs. 30,000 in total card spends over a 90-day period, the bank awards you 2,000 bonus reward points. These bonus points are worth Rs. 400 when redeemed.
Do I get the milestone bonus more than once?
Yes, the milestone is evaluated every 90 days. If you consistently spend Rs. 30,000 or more within each 90-day block, you will continue to earn the 2,000 bonus points each time.
Does hitting the milestone renew my dining membership?
Yes, achieving the Rs. 30,000 spend target within 90 days grants you an automatic 3-month renewal of your EazyDiner Prime membership.
Are fuel transactions eligible for reward points?
No, transactions made at fuel stations are specifically excluded from earning any standard or bonus reward points on this card.
Do my reward points expire?
Reward points on this card remain valid for 2 years from the date of accumulation, giving you ample time to redeem them against your dining bills.
Can I earn points on EMI transactions?
EMI transactions are excluded from the rewards program and do not earn any reward points.
Do I earn reward points on utility bill payments?
Utility bill payments earn the base reward rate of 2 reward points for every Rs. 100 spent.
Do rent payments count toward the Rs. 30,000 milestone?
Rent payments do not count toward the Rs. 30,000 milestone and are excluded from the rewards program.
How do I claim the 20% dining discount?
You must use the EazyDiner app and pay your restaurant bill through the PayEazy feature using your EazyDiner IndusInd Bank Platinum Credit Card to receive the automatic 20% discount.
Is there a limit to the dining discount?
Yes, the 20% discount has a maximum cap of Rs. 500 per transaction. To get the maximum Rs. 500 discount, your dining bill needs to be Rs. 2,500 or higher.
How many times can I use the dining discount?
You can use this 20% discount up to 3 times in a single calendar month. This allows for consistent savings if you dine out on weekends.
Does the discount apply to food delivery?
The discount is valid on dine-in and takeaway orders placed at PayEazy-enabled restaurants. Standard delivery through third-party apps like Swiggy or Zomato does not qualify for this specific offer.
Can I combine this discount with my Prime membership benefits?
Yes, the 20% PayEazy discount is applied as an extra benefit. This means you can get your Prime membership discount first, and then apply the extra 20% off when paying the final bill via the app.
What is a fuel surcharge waiver?
When you use a credit card at a petrol pump, a surcharge is usually added to the transaction. This benefit waives that 1% extra fee, meaning you only pay for the fuel you actually pumped.
Do I get the waiver at all petrol pumps?
Yes, the 1% fuel surcharge waiver is valid across all petrol stations in India, regardless of the brand (Indian Oil, HP, Bharat Petroleum, etc.).
Is there a minimum transaction amount to get the fuel waiver?
The fuel surcharge waiver applies to transactions between Rs. 400 and Rs. 4,000.
Is there a monthly maximum limit on the fuel waiver?
The maximum fuel surcharge waiver you can earn is capped at Rs. 250 per billing cycle.
What does the Total Protect insurance cover?
It covers fraudulent transactions made on a lost or stolen card, as well as counterfeit fraud, up to your total credit limit.
How long do I have to report a stolen card?
The insurance covers fraudulent activities that occur up to 48 hours prior to the moment you report the loss to the bank's customer care.
Do I need to pay extra for this insurance?
No, the Total Protect insurance coverage is an in-built feature of the card and comes at no additional cost to you.
How do I claim the insurance if fraud occurs?
You must immediately block your card through the banking app or customer care helpline, register a formal complaint, and submit any required documentation requested by the bank.
Milestone Benefits
8000 reward points(Worth ~ ₹1,600)
Spend ₹30,000 in 90 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 RP= ₹0.20
Redemption Options
- EazyDiner App
To check redemption catalogue
The reward redemption process on this card is specifically tailored for people who love eating out. Y...
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The reward redemption process on this card is specifically tailored for people who love eating out. Y...
The reward redemption process on this card is specifically tailored for people who love eating out. You earn reward points on your regular spends, and the most efficient way to use them is directly on the EazyDiner app. Instead of waiting for a physical voucher or picking items from a catalogue, you enjoy instant redemption.
To redeem your points, simply open the EazyDiner app when you are ready to pay your restaurant bill. Choose the PayEazy option at checkout. The app will show your available IndusInd reward point balance. Each point holds a solid value of Rs. 0.20. For example, if you have accumulated 5,000 reward points from your grocery and retail shopping, those points are worth Rs. 1,000. You can apply them instantly to reduce your dining bill from Rs. 3,000 down to Rs. 2,000. There are no complicated conversion charts, making the savings practical and immediate.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You can instantly redeem your reward points against your restaurant bills by using the PayEazy payment gateway within the EazyDiner app.
What is the value I get when I redeem reward points?
Every 1 reward point equals Rs. 0.20. For instance, if you apply 1,000 reward points toward your bill, you get a direct discount of Rs. 200.
Is there a minimum points balance needed before I can redeem?
You can start redeeming rewards once you have accumulated a minimum of 500 reward points.
Is there a fee for redeeming my rewards?
No, there is zero fee charged when redeeming reward points on this card, meaning you get the full value of your hard-earned points.
Can I redeem points for statement credit instead of dining?
Points are exclusively redeemable through the PayEazy feature on the EazyDiner app for restaurant bills; statement credit and product catalogues are not supported for this card.
Do my reward points expire if I don't use them?
Reward points typically come with a 2 to 3-year validity window. Be sure to redeem them periodically to avoid expiration.
Can I transfer my reward points to someone else's account?
Reward points are linked directly to your specific credit card account and are strictly non-transferable to other users.
What happens to my unredeemed points if I close the card?
Unredeemed rewards are forfeited immediately upon card closure. You must redeem all your points before initiating the cancellation process.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IndusInd Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IndusInd Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Cash withdrawals
EMI
For Spends Waiver
Fuel
Cash withdrawals
EMI
To maximize your benefits, you must understand where the card does not offer rewards. Banks intention...
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To maximize your benefits, you must understand where the card does not offer rewards. Banks intention...
To maximize your benefits, you must understand where the card does not offer rewards. Banks intentionally exclude certain spending categories to prevent misuse and manage costs. On the EazyDiner IndusInd Bank Platinum Credit Card, the primary exclusion applies to fuel transactions. When you swipe your card at a petrol pump to fill up your car or bike, you will not earn the standard 2 reward points per Rs. 100.
Understanding this exclusion helps you set the right expectations. For example, if you spend Rs. 5,000 on fuel this month, your reward point balance will not increase. You still receive the 1% fuel surcharge waiver, which saves you money, but the transaction yields zero reward points. This means you should rely on your shopping, dining, and lifestyle spends to accumulate points, rather than your daily commute expenses.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Fuel transactions at petrol pumps are explicitly excluded from earning any reward points. You also generally do not earn points on cash withdrawals or fee payments.
Are fuel transactions completely excluded from benefits?
While you do not earn reward points on fuel, you do still receive the 1% fuel surcharge waiver benefit, saving you money on the transaction fee.
Does paying rent with this card earn reward points?
Rent payments are excluded from reward earning by the bank, and they also attract a 1% processing fee on the transaction amount.
Are insurance premium payments excluded from rewards?
Insurance premium payments are eligible for reward points at the base rate of 2 points per Rs. 100 spent.
Do wallet top-ups earn rewards on this card?
Loading money into digital wallets like Paytm or Amazon Pay is commonly excluded from earning reward points across most credit cards today.
What happens if I accidentally make a payment in an excluded category?
The payment will process smoothly and the merchant will get paid. You simply won't accumulate any reward points for that specific transaction on your monthly statement.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.83% per month (46% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.83% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹300 | 2.50% |
Reward Redemption Fees There is no Reward Redemption Fee | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees A cash payment fee of ₹100 is charged per deposit made at IndusInd Bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹1,000 | ₹350 |
| ₹1,001–₹10,000 | ₹550 |
| ₹10,001–₹25,000 | ₹800 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Understanding the exact costs associated with a credit card is vital to maintaining good financial he...
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Understanding the exact costs associated with a credit card is vital to maintaining good financial he...
Understanding the exact costs associated with a credit card is vital to maintaining good financial health. While the EazyDiner IndusInd Bank Platinum Credit Card is highly generous with its zero annual fee, it carries standard industry charges for delayed payments, cash advances, and specific transaction types. Knowing these numbers ensures you never pay more than necessary.
The Joining Fee is strictly Rs. 0. You are not charged anything to acquire this card, making it highly accessible without any upfront investment.
The Annual or Renewal Fee is also Rs. 0. You will not face any yearly maintenance charges on your card anniversary, nor do you need to stress about spending a specific amount every month to secure a fee waiver.
The APR or Interest Rate is 3.5% per month. Credit cards offer an interest-free payment period of 20 to 55 days. However, if you fail to pay your full statement balance by the due date, this 3.5% monthly fee kicks in. For example, if you leave a balance of Rs. 10,000 unpaid for a month, you will accrue roughly Rs. 350 in interest charges alone, plus taxes, quickly snowballing your debt.
Late Payment Charges apply if you miss your minimum payment entirely. The bank uses a slab system: balances from Rs. 0 to Rs. 500 incur a Rs. 100 fee. Balances from Rs. 501 to Rs. 10,000 incur a Rs. 500 fee. Balances above Rs. 10,000 incur a Rs. 700 fee. For example, if you forget to pay a bill of Rs. 3,000, you will be hit with a Rs. 500 late fee on your next statement.
The Foreign Transaction or Forex Markup Fee is 3.5%. This is charged on transactions made in currencies other than Indian Rupees. For instance, if you spend USD 100 on an international website and the conversion amounts to Rs. 8,300, the bank will add a 3.5% fee, meaning you pay an extra Rs. 290.5 just for the currency conversion.
The ATM Cash Withdrawal Fee is heavily penalized at 3% of the withdrawn amount, subject to a minimum of Rs. 300. For example, if you withdraw Rs. 10,000 cash from an ATM, you immediately pay a Rs. 300 fee. Worse, cash advances do not get an interest-free period; the 3.5% monthly interest starts applying from day one.
The Rent Payment Convenience Fee is set at 1% of the transaction amount. If you use this credit card to pay Rs. 20,000 for your house rent through a third-party portal, the bank will charge you an extra Rs. 200 fee, plus GST. Because the base reward rate on this card is so low, paying rent with it generally results in a net loss.
A Railway Surcharge applies when booking train tickets. You are charged 1.80% for online transactions and 2.50% for offline/other bookings. For example, booking a Rs. 2,000 ticket online will add a Rs. 36 surcharge to your final card bill. This is a fee applied to the transaction, not a waiver.
The Cash Payment Fee is Rs. 100. If you walk into an IndusInd Bank branch and deposit physical cash at the teller counter to clear your credit card bill, this convenience fee is added to your next statement. To avoid this, always pay your bill online via UPI, NEFT, or net banking.
The Cheque Payment Fee is N/A. The bank states that no cheque payment fee is charged, meaning you can drop a cheque to clear your bill without facing extra processing costs, provided the cheque clears successfully.
The Reward Redemption Fee is Not Applicable. Unlike some banks that charge Rs. 99 to unlock your points, IndusInd charges no fee when redeeming reward points on this card. If you use 1,000 points to save Rs. 200 on EazyDiner, you get the full Rs. 200 value.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Fee | Rs. 0 |
| Interest Rate (APR) | 3.5% per month |
| Late Payment Charges | Rs. 100 to Rs. 700 based on balance slab |
| Forex Markup Fee | 3.5% |
| Cash Withdrawal Fee | 3% of amount (Min. Rs. 300) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Booking Surcharge | 1.80% online / 2.50% offline |
| Cash Payment Fee | Rs. 100 |
| Cheque Payment Fee | Nil |
| Reward Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 0. You do not pay any initial fee when the card is issued to you.
What is the annual or renewal fee?
The annual renewal fee is Rs. 0, making the card free to hold year after year.
Is there an annual fee waiver based on spending?
Since the card has zero annual fees by default, there is no need to track or meet any spending targets for a fee waiver.
How can I get this card lifetime free?
The card is automatically issued as a lifetime free product, as the bank has set both joining and renewal charges to zero.
What is the interest rate (APR) if I don't pay my full balance?
The bank charges an interest rate of 3.5% per month on unpaid balances. This applies if you only pay the minimum amount due or miss a payment.
How is the interest calculated on outstanding balances?
Interest is calculated daily on the unpaid amount from the date of the original transaction until the full balance is cleared. A Rs. 10,000 unpaid balance adds roughly Rs. 350 in interest per month.
What are the late payment charges?
Late fees are calculated based on your outstanding balance. You pay Rs. 100 for balances up to Rs. 500, Rs. 500 for balances up to Rs. 10,000, and Rs. 700 for anything above Rs. 10,000.
Is the late payment fee different based on outstanding amount?
Yes, the bank uses a tiered slab system. Higher unpaid balances naturally attract the higher Rs. 700 penalty.
What is the forex markup for international transactions?
A 3.5% forex markup fee applies to any online or physical transaction made in a foreign currency. Spending USD 100 (approx Rs. 8,300) will cost you an extra Rs. 290.5 in fees.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged. You will be charged a steep 3% fee on the withdrawal amount, and heavy interest begins accruing immediately.
What are the cash withdrawal charges and limits?
You are charged 3% of the withdrawn amount with a minimum fee of Rs. 300. Withdrawing Rs. 5,000 will instantly cost you Rs. 300 in fees.
What happens if I spend more than my credit limit?
Spending beyond your credit limit attracts an over-limit fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Are there fees for paying rent with this card?
Yes, a 1% convenience fee applies to rent payments. Paying Rs. 15,000 in rent will add a Rs. 150 charge to your statement.
Is there a fee for paying my bill in cash?
Yes, clearing your credit card bill by depositing cash at a bank branch results in a Rs. 100 cash payment fee added to your next bill.
What are the charges for cheque payment of bills?
The bank does not charge a fee for processing a cheque payment to clear your credit card dues.
What happens if my payment cheque bounces?
A cheque bounce or dishonored payment attracts a penalty fee of Rs. 250 plus taxes and negatively impacts your credit score.
Are there charges for railway ticket bookings?
Yes, booking railway tickets online incurs a 1.80% surcharge on the transaction amount.
Is there a fee to redeem my reward points?
No, redeeming your reward points is completely free on this card.
What are the card replacement charges for lost or stolen cards?
The bank charges a flat fee of Rs. 100 for the replacement of a lost or damaged physical card.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
What are the mandatory documents for this card?
You must provide a valid PAN Card, an identity/address proof like an Aadhaar Card, and valid income proof based on your employment type.
Do I need to submit physical copies of my documents?
No, if you opt for the Video KYC process, you can show your physical PAN card on camera and upload digital copies of your income proof.
What income proof is accepted for salaried employees?
Salaried applicants need to submit their most recent 2 months' salary slips and their latest bank statement showing the salary deposits.
What income proof is accepted for self-employed individuals?
Self-employed professionals must submit their latest filed Income Tax Returns (ITR) showing a minimum annual income of Rs. 3 Lakhs.
Can I use my passport as address proof?
Yes, a valid Indian passport is widely accepted as both identity and address proof by all major banks.
Will my application be rejected if my Aadhaar address does not match my current address?
If your current residence differs from your Aadhaar, you will need to provide an additional valid document like a utility bill or rental agreement for your current address.
Who Should Get This Card?
The Weekend Diner: If you love visiting restaurants, cafes, and pubs on the weekends, this card is a massive asset. The 20% discount via PayEazy up to Rs. 500 per transaction means your Friday dinners immediately become cheaper. With the zero annual fee, you aren't paying the bank for the privilege of saving money.
The First-Time Cardholder: Because it is lifetime free and has a reasonable income requirement of Rs. 25,000, it serves as a brilliant starter card. You can use it to build your CIBIL score without worrying about meeting annual spending targets to waive a yearly fee.
Who Should NOT Get This Card? If your primary goal is maximizing cashback on online shopping, flight bookings, or grocery runs, skip this card. The base reward rate is only 0.4%, which is very low compared to premium cashback cards. Furthermore, if you prefer ordering food home via Swiggy or Zomato rather than dining in, you will not get much value from the EazyDiner-specific discounts.
Credit Limit and What to Expect
Your credit limit dictates how much you can spend on the card in a given billing cycle. Credit limits are determined by your income and CRIF score. For the required Rs. 25,000 monthly income, initial limits start between Rs. 40,000 and Rs. 75,000.
If you have an existing strong relationship with IndusInd Bank, a high income, and a credit score well above the minimum 700 mark, you can expect a much higher limit. Managing this limit responsibly by keeping your credit utilization ratio below 30% will help improve your credit score and open the door for limit enhancement offers in the future.
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Commonly Asked Questions
What is the minimum credit limit I can expect?
While limits vary by profile, applicants meeting the baseline Rs. 25,000 monthly income requirement typically see initial limits starting around Rs. 40,000 to Rs. 50,000.
How does the bank decide my credit limit?
The bank evaluates your monthly income, your CRIF/CIBIL score, your existing debt obligations, and your repayment history to assign a safe and appropriate limit.
Can I request a higher credit limit during application?
You generally cannot choose your starting limit. However, providing strong income proofs like recent tax returns or high salary slips can naturally lead to a higher assigned limit.
How soon can I get a credit limit increase?
Banks usually review accounts for limit enhancements after 6 to 12 months of consistent, on-time payments and responsible card usage.
Will checking my eligibility lower my credit score?
Initial pre-qualification checks use a "soft pull" that does not affect your score. However, the final submission of your application triggers a "hard pull" which temporarily drops your score by a few points.
What happens if I spend more than my credit limit?
Spending beyond your credit limit attracts an over-limit fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
How to Apply?
Applying for the EazyDiner IndusInd Bank Platinum Credit Card is a quick, digital-first process. You can start by visiting the official IndusInd Bank website or a trusted financial marketplace like BankKaro. Locate the card under the credit cards section and click "Apply Now". You will be asked to fill in a short form with your mobile number, PAN details, and current address to check your initial eligibility.
Once your basic details are verified, you will proceed to the Video KYC stage. Video KYC allows you to complete your personal verification from your home using your smartphone camera. Make sure you have your original physical PAN card and your Aadhaar card ready. Ensure your room is well-lit and you have a stable internet connection. After the video verification is complete, the bank evaluates your profile and dispatches the card to your registered address.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official IndusInd Bank website, partner platforms like BankKaro, or by walking into your nearest bank branch.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process where a bank agent verifies your identity over a video call. It is highly recommended as it speeds up approval and eliminates the need for physical paperwork.
What do I need for a successful Video KYC call?
Keep your physical PAN card and Aadhaar card ready. Ensure you have good lighting, a stable internet connection, and a blank piece of paper with a pen for your signature.
How can I track my application status?
After submitting your application, you will receive an Application Reference Number via SMS. You can use this number on the bank's tracking portal to check your status.
How long does the approval process take?
If your Video KYC is successful and your documents are clear, approval typically takes 5 to 7 working days, after which the card is dispatched.
What happens if my Video KYC fails?
If your video connection drops or the verification fails, the bank will usually send a representative to your registered address to collect physical KYC documents.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1000 Rewards
Top Benefits
Get a complimentary 3-month EazyDiner Prime
membership worth ₹1,095 as a welcome benefit on card activation, with guaranteed 25–50% off at 2,000+ partner restaurants and bars
Get 500 Welcome EazyPoints
on card activation as a one-time joining benefit
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