IndusInd Bank EazyDiner Credit Card
IndusInd Bank • Visa
Premium co-branded dining card offering 25% instant discount up to ₹1,000 on PayEazy, 10 Reward Points per ₹100 on dining/shopping, and complimentary annual EazyDiner Prime membership
Underwriting & Income Cutoffs
warningPayEazy 25% Discount Capped to 3 Transactions Monthly
IndusInd Bank limited the 25% instant dining discount (up to ₹1,000 per bill) to a maximum of 3 transactions per calendar month, ending the previous unlimited dining discount structure.
25% ka instant discount (max ₹1,000 per bill) ab mahine me sirf 3 baar hi milega, pehle jaisa unlimited discount band ho chuka hai.
Source: IndusInd Bank EazyDiner Credit Card Terms Revision Notice & LiveFromALounge
warningRemoval of Domestic Lounge Access and Renewal Fee Hike
Effective July 15, 2025, IndusInd Bank discontinued complimentary domestic airport lounge access (previously 2 visits/quarter) on the EazyDiner card and escalated the annual renewal fee from ₹1,999 to ₹2,999 + GST.
15 July 2025 se airport lounge access poori tarah band kar diya gaya hai aur renewal fee ₹1,999 se badhakar ₹2,999 + GST kar di gayi hai.
Source: IndusInd Bank Service Notification & Cardholder Circular (July 2025)
warningLow Reward Conversion Baseline (₹0.20 per Point)
Reward points earn 10 pts per ₹100 on dining, but each point has a low valuation of ₹0.20 when settled via PayEazy or cash credit, yielding a net reward payback of only 2.00% outside instant discounts.
10x points dekhne me bohot lagte hain lekin 1 point ki value sirf 20 paise hai, jisse net reward earning 2% hi banti hai.
Source: IndusInd Bank EazyDiner Rewards Terms and Conditions
Calculate Your Real Annual Profit on IndusInd Bank EazyDiner Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind IndusInd Bank EazyDiner Credit Card
IndusInd Bank EazyDiner Credit Card (IndusInd Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 2% tak ka value back chahte hain. Lekin ₹2999 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (2% return): Fee recover karne ke liye sirf ₹12,496 / mahina (₹1,49,950 / saal) spend zaroori hai.
• Regular Offline Spends (2% base return): Fee recover karne ke liye lagbhag ₹12,496 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹1,49,950 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹12,496/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of IndusInd Bank EazyDiner Credit Card and how can it be waived?expand_more
IndusInd Bank EazyDiner Credit Card ki joining aur annual renewal fee ₹2999 + 18% GST (Total: ₹3538.82) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for IndusInd Bank EazyDiner Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹40,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does IndusInd Bank EazyDiner Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.