IndusInd EazyDiner Credit Card

About IndusInd EazyDiner Credit Card

Do you find yourself eating out at fine-dining restaurants every weekend but wishing the bill didn't sting so much? The IndusInd EazyDiner Credit Card is designed to solve that specific problem by turning every meal into a high-savings event.

This card isn't just a payment tool: it is effectively a VIP pass to the dining world. With a massive focus on the food and beverage category, it offers a 12-month EazyDiner Prime membership right out of the box. For a diner who spends around ₹10,000 a month on restaurant visits, this card can easily help you save over ₹5,000 annually through direct discounts alone. No complex point conversions or waiting for months for cashback: the savings happen right at the table.

Built for professionals and food enthusiasts earning ₹6 lakh or more annually, this card targets those who value lifestyle perks over generic reward programs. It cuts through the clutter of complicated travel points and gives you exactly what you want: cheaper bills at over 2,000 premium restaurants.

What sets it apart:

• Instant Discounts: Unlike standard cards that offer 1-2% reward points, this card provides 25% to 50% discounts at partner restaurants through its Prime membership.
• Stackable Savings: You get an additional 25% discount (up to ₹1,000) when you pay your bill through the EazyDiner app using this card.
• Lounge Access: While most dining-centric cards skip travel perks, this one includes two complimentary domestic lounge visits every quarter.

Quick check: To qualify for this card, you should be between 21 and 60 years old with a monthly income of at least ₹49,999 and a credit score (CRIF) of 720 or higher.

Let's break down why this card might be the most valuable addition to your wallet if you love a good brunch or a fancy dinner:

Key Benefits and Features of the IndusInd EazyDiner Credit Card

The IndusInd EazyDiner card is structured to reward you from the moment you activate it. Here is a detailed look at how the features work in the real world.

The Dining Powerhouse

The primary reason to get this card is the dining benefit. The card comes with a complimentary 12-month EazyDiner Prime membership worth ₹3,550. This membership is the gateway to significant savings:

• Direct Discounts: Get between 25% and 50% off at over 2,000 premium restaurants and bars across India.
• Extra App Discount: When you pay via the EazyDiner app, you get an extra 25% off up to ₹1,000 per transaction. This is over and above the Prime discount, making it one of the most aggressive dining offers in the market.
• EazyPoints: You earn 2,000 EazyPoints immediately upon card issuance. These points are not just numbers on a screen; you can use them to get further discounts or free meals through the EazyDiner ecosystem.

Travel and Lifestyle Perks

While the card is branded for dining, it does not ignore the needs of a frequent traveler. If you travel within India, the lounge access can save you a significant amount on airport meals and comfort.

• Domestic Lounge Access: You get 2 complimentary visits per calendar quarter. That is 8 visits a year, which is generous for a card at this price point.
• Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges for transactions between ₹400 and ₹4,000. You can save up to ₹100 per statement cycle, which covers the surcharge for about ₹10,000 worth of fuel monthly.

Fees and Eligibility

To get these benefits, there is a clear cost and a set of requirements. The joining fee is ₹2,999. While this might seem high, the EazyDiner Prime membership you receive is worth ₹3,550, meaning you are already in the green from day one. The annual fee is also ₹2,999, which is compensated by renewal benefits including the continuation of your Prime membership and a Postcard Hotel voucher.

To apply, you need to meet the following criteria:

• Age: 21-60 years for both salaried and self-employed individuals.
• Minimum Income: ₹6 Lakhs Per Annum (LPA) or roughly ₹49,999 per month.
• Credit Score: A CRIF score of 720 or above is required for a smooth approval process.

Reward Point Structure

For every other spend that isn't a direct dining discount, you earn reward points. The conversion rate is 1 Reward Point = ₹0.20. However, keep in mind that certain categories do not earn any points. These exclusions include rent payments, fuel, insurance, EMI transactions, school fees, and government payments. It is best to use this card specifically for dining and general retail shopping to maximize your returns.

How to Apply for the IndusInd EazyDiner Credit Card

The application process is straightforward and can be completed online. Follow these steps to get your card:

1. Visit the Official Portal: Go to the IndusInd Bank credit card application page or use the EazyDiner app link.
2. Check Your Eligibility: Enter your basic details like age and income. Ensure you meet the ₹6 LPA requirement before proceeding to avoid a hard pull on your credit score for an ineligible application.
3. Fill in the Details: Provide your PAN card number, Aadhaar details, and employment information.
4. Complete KYC: The bank offers a video KYC option, which is a quick way to verify your identity without a physical visit.
5. Activate the Card: Once you receive the card, you must make a minimum transaction of ₹100 within the first 30 days. This is a crucial step; if you miss this, you will not be eligible for the welcome rewards and Prime membership.

Credit Limit: What to Expect

Credit limits for the IndusInd EazyDiner Credit Card are assigned based on your personal financial profile. The bank determines this limit by analyzing your income, existing credit card limits, and your CRIF score of 720 or higher.

For applicants meeting the ₹6 LPA income criteria, starting limits typically range between ₹75,000 and ₹1,50,000. If you have a long-standing relationship with IndusInd Bank or a higher salary, your limit could be significantly higher. If you find your initial limit is low, you can request an increase after 6-12 months of disciplined usage and timely bill payments.

Comparison Table: IndusInd EazyDiner vs. Competitors

To understand if this card is right for you, we compared it with other popular lifestyle and dining cards in India.

The IndusInd EazyDiner card is the clear winner if you prefer sitting down at premium restaurants rather than ordering in. While the annual fee is higher than the Swiggy HDFC card, the value of the Prime membership and the depth of discounts at high-end restaurants easily justify the cost for a frequent diner.

Documents Required for IndusInd EazyDiner Credit Card Application

You'll need to submit the following documents when applying to ensure a smooth verification process:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Passport.
• Address Proof: Aadhaar Card, Utility Bills (not older than 2 months), or Voter ID.
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credit.
• Employment Proof: Official ID card or a copy of your appointment letter.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Driving License.
• Address Proof: Aadhaar Card, Passport, or Property Documents.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income and 6 months' bank statements.
• Business Proof: GST registration certificate or Shop Act License.

Note: Keep your original documents handy for the video KYC process. All digital copies should be clear and legible.

Who Should Get This Card?

Should you get this card? It depends on your lifestyle. Here are three personas that would benefit the most:

The Weekend Socialite

If you are a professional earning ₹8 lakh a year and you find yourself at a premium cafe or restaurant every Saturday night, this card is a no-brainer. If your average table bill is ₹4,000, a 25% Prime discount saves you ₹1,000 instantly. Add the app payment discount, and you could be saving ₹1,500 per meal. Doing this just twice a month saves you ₹36,000 a year, which far outweighs the ₹2,999 fee.

The Business Diner

If you often host clients or have business lunches, the IndusInd EazyDiner card acts as a silent cost-saver. You get the prestige of dining at 5-star properties and top-tier restaurants while the card quietly slashes the bill. The domestic lounge access also serves you well during business trips across Indian metros.

The "Experience" Seeker

If you value experiences like staying at boutique hotels (via the Postcard Hotel renewal voucher) and having access to the best tables in town, this card matches your lifestyle. It's for the person who spends ₹15,000-₹20,000 monthly on lifestyle and dining and wants a card that recognizes those specific habits.

You might want to skip this card if: You mostly order food through delivery apps like Zomato or Swiggy and rarely visit physical restaurants. In that case, a card like the Swiggy HDFC or a simple cashback card would offer better value.

BankKaro Expert Review

Based on the card's features, the IndusInd EazyDiner Credit Card excels at one thing better than almost any other card in India: direct, upfront dining savings. Most cards make you wait for points to credit, then make you figure out how to redeem them. This card gives you the "win" the moment the bill arrives at your table.

The biggest limitation is its reward rate on non-dining spends. At ₹0.20 per point, it is not a great card for general shopping, electronics, or travel bookings. The list of excluded categories (like rent, insurance, and utilities) is also quite long, which means you cannot use this as your "one and only" card if you want to earn rewards on every single rupee spent.

Our verdict: Choose this card if you are a dedicated foodie. The math is simple: if you eat out at partner restaurants even once a month, the card pays for itself. However, pair it with a dedicated cashback card for your utility bills and online shopping to create a perfect two-card strategy.

Terms and Conditions

Before you apply, please keep these specific terms in mind:

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card. If you do not do this, you will not be eligible for the Welcome Rewards, including the Prime membership.
• Renewal benefits like the Postcard Hotel voucher are only provided after the payment of the annual fee for the subsequent year.
• The 25% extra discount on the EazyDiner app is capped at ₹1,000 per transaction.
• Visit the official IndusInd Bank website for comprehensive policy details.