EazyDiner IndusInd Bank Platinum Credit Card

About EazyDiner IndusInd Bank Platinum Credit Card

Do you find yourself eating out at least twice a week? If your monthly budget often goes toward restaurant bills and food orders, you might be leaving significant money on the table. The EazyDiner IndusInd Bank Platinum Credit Card is designed to turn those dining expenses into substantial savings.

This card offers a projected annual saving of ₹20,011, making it a heavy hitter for food enthusiasts. Whether you are catching up with friends or taking the family out for dinner, this card works to ensure your bill doesn't bite back. It is a straightforward tool for anyone who wants to enjoy premium dining without the premium price tag.

Built for professionals and business owners earning ₹40,000 or more per month, this card bridges the gap between basic rewards cards and high-end luxury plastic. It focuses on a specific lifestyle: the urban diner who values both good food and smart financial choices.

What sets it apart:

• Huge Saving Potential: Save up to ₹20,011 annually through its structured dining benefits.
• Accessible Income Criteria: Available to those with a monthly income of ₹40,000, making it easier to get than many other premium dining cards.
• Wide Age Bracket: Unlike many cards that cap applications at 60, this card welcomes applicants up to 70 years of age.

Quick check: To qualify, you will need a minimum monthly income of ₹40,000 and a credit score (CRIF) of 700 or above. Both salaried and self-employed individuals can apply.

Let's break down why this card stands out in a crowded market:

Key Benefits & Features of the EazyDiner IndusInd Bank Platinum Credit Card

The EazyDiner IndusInd Bank Platinum Credit Card is built on the VISA network, ensuring global acceptance at millions of merchants. While its primary focus is dining, it functions as a versatile tool for your daily needs.

High Annual Savings

The standout feature of this card is the estimated annual saving of ₹20,011. If you are a frequent user of the EazyDiner platform, these savings accumulate through a combination of discounts and special offers. For a card with a ₹1,999 annual fee, the math is simple: if you maximize the benefits, the card pays for itself ten times over within the first year.

Flexible Eligibility Criteria

Many platinum cards have rigid age or income requirements. This card remains accessible to a broader demographic:

• Age Limit: It supports a range from 18 to 70 years, making it an excellent choice for young professionals just starting their careers or retirees who enjoy eating out.
• Income Requirement: With a requirement of ₹40,000 per month, it sits in the "sweet spot" for middle-income earners who want premium perks without needing a CEO-level salary.
• Credit Score: A CRIF score of 700 is the benchmark, which is standard for most responsible credit users.

Fees and Charges

Understanding the cost of ownership is vital before you apply. Here are the primary charges for this card:

• Joining Fee: ₹1,999.
• Annual Fee: ₹1,999.
• Renewal Fee Waiver: Spend-based waivers are typically available for annual spends exceeding ₹2,00,000, subject to bank discretion at the time of renewal.

Rewards and Redemption

The card integrates directly with the EazyDiner ecosystem, prioritizing direct discounts and Prime membership benefits over traditional reward points. Most cards in this category offer accelerated rewards for dining and lifestyle spends. Reward points follow IndusInd's standard redemption value, redeemable for dining vouchers or against statement balances via the bank's portal.

How to Apply?

The application process for the EazyDiner IndusInd Bank Platinum Credit Card is straightforward. Follow these steps to get started:

1. Check Your Numbers: Before applying, ensure your monthly income is at least ₹40,000 and your credit score is 700 or higher.
2. Visit the Official Website: Head to the IndusInd Bank credit cards page and locate the EazyDiner Platinum card.
3. Fill the Form: Enter your basic details including name, mobile number, and PAN card information.
4. Income Verification: You will need to provide details about your employment type (Salaried or Self-Employed).
5. Submit Documents: Keep your digital copies of ID and address proof ready for the e-KYC process.
6. Wait for Approval: The bank will review your application. Most applications are processed and approved within 7 to 10 working days, subject to successful document verification.

Credit Limit & What to Expect

Credit limits for the EazyDiner IndusInd Bank Platinum Credit Card are not fixed. They are assigned based on your unique financial profile, including your income, existing credit score, and current debt-to-income ratio.

Applicants meeting the ₹40,000 income criteria can expect a starting limit that comfortably covers dining and lifestyle expenses. Initial credit limits typically range from ₹80,000 to ₹2,00,000, depending on your credit history and debt-to-income ratio.

Comparison Table: Best Dining Credit Cards in India

The EazyDiner IndusInd Platinum card is the clear winner for those who prefer eating out at high-end restaurants and want a dedicated concierge-like experience through the EazyDiner app. While the fee is higher than the Swiggy or Axis My Zone cards, the annual savings potential of over ₹20,000 justifies the cost for serious foodies.

Documents Required for EazyDiner IndusInd Bank Platinum Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income and 6 months' bank statements
• Business Proof: Business registration certificate, GST registration, or Shop Act License

Note: All documents should be self-attested. The bank might ask for additional documents during the verification process to confirm your eligibility.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the EazyDiner IndusInd Bank Platinum Credit Card:

The Social Butterfly: If you are a young professional earning ₹50,000 a month and you spend roughly ₹10,000 to ₹15,000 monthly on dinners with friends or clients, this card is a perfect fit. The ₹20,011 annual saving isn't just a number; it is effectively two months of free dining every year.

The Family Weekend Planner: If you take your family out every Sunday and prefer booking through the EazyDiner app to avoid wait times, this card enhances that experience. It matches your lifestyle better than a general cashback card because it prioritizes the dining category where you spend the most.

The Older Connoisseur: Since this card allows applications up to age 70, it is an excellent choice for retirees who enjoy visiting premium restaurants and want a credit card that rewards their lifestyle without a complicated points system.

You might want to skip this card if:

• You rarely eat out and prefer cooking at home (a grocery-focused card would be better).
• You prefer food delivery over table service (the Swiggy HDFC card might offer better value for delivery apps).

BankKaro Expert Review

Based on the card's features, the EazyDiner IndusInd Bank Platinum Credit Card excels at one thing: making premium dining more affordable. The projected annual saving of ₹20,011 is one of the most transparent value propositions in the market today. It doesn't hide behind "reward points" that are hard to calculate; it tells you exactly what you can expect to save.

The biggest limitation is the lack of clarity on non-dining benefits. If you are looking for a card that offers lounge access, movie tickets, or high rewards on fuel and travel, this might feel a bit one-dimensional. The ₹1,999 fee is also on the higher side if you are not a regular user of the EazyDiner app.

Our verdict: Choose this card if dining is your biggest discretionary expense. It is a niche card that does its job exceptionally well. However, if you want an all-rounder for groceries, fuel, and travel, you might find this card's focus a bit too narrow.

Terms and Conditions

For complete terms and conditions regarding interest rates, late payment charges, and specific reward exclusions, refer to the Most Important Terms and Conditions (MITC) document provided during your application. It is important to review the most recent schedule of charges before finalizing your application to ensure you understand the total cost of credit.