IndusInd Bank EazyDiner Platinum Credit Card
IndusInd Bank • Visa
Lifetime Free co-branded dining card providing extra 20% discount up to ₹500 thrice a month on PayEazy, 2 Reward Points per ₹100, and renewing 3-month Prime membership on spend milestones
Underwriting & Income Cutoffs
warningPayEazy Discount Capped at ₹500 and 3 Uses Monthly
The Platinum EazyDiner variant offers an extra 20% discount on dining bills via PayEazy, but it is capped at ₹500 per transaction and can be used at most 3 times per calendar month.
20% ka dining discount har bill par maximum ₹500 tak limited hai aur mahine me sirf 3 baar hi use ho sakta hai.
Source: IndusInd Bank EazyDiner Platinum Credit Card Product Features
warningPrime Membership Requires Continuous ₹30,000 Quarterly Spend
Initial EazyDiner Prime membership is valid for only 3 months. To renew Prime membership for subsequent quarters, cardholders must spend at least ₹30,000 every 90 days.
Shuru me Prime membership sirf 3 mahine ke liye milti hai. Use aage continue rakhne ke liye har 90 din me ₹30,000 kharch karna zaroori hai.
Source: IndusInd Bank EazyDiner Platinum Benefit Guide
Calculate Your Real Annual Profit on IndusInd Bank EazyDiner Platinum Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind IndusInd Bank EazyDiner Platinum Credit Card
IndusInd Bank EazyDiner Platinum Credit Card (IndusInd Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 0.4% tak ka value back chahte hain. Lekin ₹0 (+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 (0.4% return): Fee recover karne ke liye sirf ₹0 / mahina (₹0 / saal) spend zaroori hai.
• Regular Offline Spends (0.4% base return): Fee recover karne ke liye lagbhag ₹0 / 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 ₹0 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 ₹0/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 Platinum Credit Card and how can it be waived?expand_more
IndusInd Bank EazyDiner Platinum Credit Card ki joining aur annual renewal fee ₹0 + 18% GST (Total: ₹0.00) 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 Platinum Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹25,000 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 Platinum 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.