EazyDiner, in partnership with IndusInd Bank, has launched a dining-focused credit card on the Visa platform designed for people who frequently dine out at restaurants.
The EazyDiner IndusInd Credit Card delivers significant savings on restaurant bills through an EazyDiner Prime membership and additional discounts when paying with the co-branded card via the PayEazy option inside the EazyDiner app.
If you dine out often, this card may be one of the best options available in India for dining benefits. Below is a clear breakdown of features, fees, rewards and practical notes to help you decide.
Table of Contents
- Overview
- Fees
- Rewards
- PayEazy Benefit
- Airport Lounge Access
- BookMyShow Offer
- Other Benefits
- Is it for you?
- Getting the Card
- My Experience
- Bottom line
Overview
| Type | Dining Credit Card |
| Reward Rate | Up to 50% off on dining + up to 2% rewards on spends |
| Annual Fee | 1,999 INR + GST |
| Best for | EazyDiner discounts & movie benefits |
| USP | Redeem IndusInd reward points directly on the EazyDiner app |
This card addresses dining expenses, which are often a large out-of-pocket cost while traveling. The combination of Prime membership and PayEazy payments can bring out-of-pocket dining costs down dramatically if you use the benefits correctly.
Below is a full review covering fees, reward structure, key benefits and who will gain the most from this card.
Fees
| Joining Fee | 1,999 INR + GST |
| Welcome Benefit | EazyDiner Prime & two additional benefits |
| Renewal Fee | 1,999 INR + GST |
| Renewal Benefit | EazyDiner Prime & two additional benefits |
| Renewal Fee waiver | Nil |
The card includes three primary welcome benefits:
- EazyDiner Prime membership: Roughly 25% discounts at many restaurants in metro cities (valued around the joining fee).
- 2000 EazyPoints: EazyDiner’s in-app currency, with value that varies by usage—conservatively worth ~400 INR in low-use cases but more valuable for frequent diners.
- Postcard hotel voucher (5,000 INR): A hotel voucher intended as an additional perk; these hotels are premium, so redemption value depends on availability and rates.
The Prime membership is the standout immediate value. The EazyPoints and hotel voucher add value but their practical worth depends on how often and where you dine or stay.
Rewards
This card comes with two reward systems:
- EazyPoints: EazyDiner’s own points earned through dining and select activities on the platform; redemption is limited to EazyDiner offers.
- IndusInd Reward Points (RP): Standard bank reward points earned on card spends that can be redeemed in real time to pay restaurant bills through PayEazy on the EazyDiner app.
IndusInd reward earn rates for this card:
| Spend type | Description | Rewards | Reward rate |
|---|---|---|---|
| Accelerated spends | Shopping, dining and entertainment | 10 RP per ₹100 | 2% |
| Regular spends | All except fuel | 4 RP per ₹100 | 0.8% |
- 1 IndusInd RP ≈ 0.20 INR when redeemed on the EazyDiner app
- 1 EazyPoint ≈ 0.20–1 INR depending on redemption and offers
- 3X EazyPoints on dining spends via EazyDiner
Merchant categorization matters for accelerated rates, and while most merchants are categorized correctly, some inconsistencies may occur. You can verify merchant categories in your credit card statement or perform a small test transaction to confirm.
PayEazy Benefit
- Additional 25% off on the dining bill when paying via PayEazy
- Maximum discount cap: ₹1,000 per bill (equivalent bill value ₹4,000)
- Cooling period between PayEazy transactions: 2 hours
- No minimum spend to avail the PayEazy discount
PayEazy combines with EazyDiner Prime discounts to create significant savings. With Prime (about 25% off) plus PayEazy (25% off), you can often achieve around 45% effective savings on a bill before applying reward redemptions.
Additionally, you can use accumulated IndusInd reward points to pay the remaining bill on the EazyDiner app, potentially covering a very large portion of the cost if you have high reward balances.
| Bill amount | 3,000 INR |
| Prime discount (25%) | – 750 INR |
| PayEazy discount (25%) | – 550 INR |
| Reward redemption | – 1,700 INR |
| Payable | 0 INR |
In this example, the combination of discounts and reward redemptions can fully cover the bill. Note that to accumulate large reward balances via the 2% accelerated rate would require significant spend—roughly ₹85,000 in categorized accelerated spending to generate ~₹1,700 worth of IndusInd RP at the stated valuation.
If you don’t spend that much, you still benefit from the combined ~45% discounts on dining, which is highly valuable for frequent diners.
Airport Lounge Access
| Access type | Access via | Access limit |
|---|---|---|
| Domestic lounges | Visa | 2 visits per quarter |
This follows the typical Visa Signature lounge benefit. Supplementary cardholders also receive lounge access separately under the same terms.
BookMyShow Offer
- Offer: Two free movie tickets per month (up to ₹400 value per ticket)
- Maximum cap: ₹200 per ticket covered
- Terms: Can book single or double tickets at a time; convenience fees may apply
This is a strong monthly benefit—equivalent to substantial annual savings. The structure provides free tickets (subject to the cap), not merely a buy-one-get-one arrangement.
Other Benefits
- Complimentary beverage: A premium alcoholic beverage at over 200 partner restaurants.
- EazyDiner concierge: Dedicated line for assistance.
- Forex markup: 3.5% + GST on foreign currency transactions.
- Add-on cards: Up to five complimentary add-on cards.
Is it for you?
This card is particularly compelling if you fall into any of these categories:
- You dine out more than twice a month.
- You frequently stay at luxury hotels and dine at their restaurants.
- You watch movies often and can use the monthly ticket benefit.
- You want an IndusInd Bank credit card to access its offers and credit line.
For occasional diners who only go out once or twice a month, the EazyDiner Prime membership and PayEazy discounts by themselves may already be sufficient without the card. But for frequent diners or travelers who eat out regularly at premium restaurants, this card provides clear, recurring value.
Getting the Card
- Fresh application: Apply online via IndusInd Bank’s website or visit a branch.
- Upgrade: Existing IndusInd cardholders can request an upgrade through customer service.
- Minimum credit limit: ₹75,000.
Offline applications typically take about three weeks; online applications may be processed faster.
My Experience
My card arrived about two weeks after applying. I received a virtual card a few days earlier, but linking the physical card through net-banking was necessary to activate full card controls in the app.
The welcome kit includes the card, a benefits guide, the Postcard hotel voucher and small extras like coasters. The card design is simple and modern.
I’ve started using the card and will share a more detailed hands-on review after more months of usage, but first impressions are positive.
Bottom line
- Cardexpert Rating: 4.5/5
The EazyDiner IndusInd Credit Card is a compelling product for those who dine out often or who can make regular use of the Prime and PayEazy discounts. While the card’s earn rate on regular spends is modest, the combination of deep dining discounts, real-time redemption on the EazyDiner app and a strong movie benefit creates meaningful value for frequent users.
For many diners, the Prime membership and PayEazy discounts alone justify the annual fee, and the movie tickets can offset a large portion of the cost. Overall, this card fills a niche in the market and is worth considering if dining savings are a priority.
What are your thoughts on the EazyDiner IndusInd Credit Card? Share your experience or questions in the comments below.