INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official indusind.com (IndusInd Bank) Most Important Terms and Conditions (MITC).

🏛️IndusInd Bank Ltd.Network: Visa SignatureShopping & Rewards CardsLast Verified: 2026-09-28

EazyDiner IndusInd Bank Credit Card

ईज़ी-डाइनर इंडसइंड बैंक क्रेडिट कार्ड

Premier dining credit card delivering instant extra 25% off (up to ₹1,000) on restaurant bills via PayEazy, free EazyDiner Prime, and 8 lounge visits.

Annual Fee₹1,999 + GST (Renewal: ₹1,999 + GST)

Reward RateGuaranteed extra 25% discount (up to ₹1,000 per transaction) on dining bills paid via PayEazy on the EazyDiner app (can be combined with restaurant discounts for up to 50% total savings). 10 Reward Points per ₹100 spent on dining, shopping, and entertainment. 4 Reward Points per ₹100 on other retail.

Airport Lounge2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating lounges in India.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

EazyDiner IndusInd Bank Credit Card is India's definitive dining out credit card. Tailored for foodies and frequent restaurant visitors, it delivers an instant extra 25% discount (up to ₹1,000) every time a bill is settled via PayEazy on the EazyDiner app, a free EazyDiner Prime annual membership, and 8 domestic airport lounge visits.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,999 + GST (Renewal: ₹1,999 + GST)

Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,999 waived.

🎁Welcome Benefit

Complimentary 1-year EazyDiner Prime membership (worth ₹2,950) + 2,000 EazyPoints + ₹1,000 Postcard Hotel voucher credited upon card activation.

⚡Reward Points Structure

Guaranteed extra 25% discount (up to ₹1,000 per transaction) on dining bills paid via PayEazy on the EazyDiner app (can be combined with restaurant discounts for up to 50% total savings). 10 Reward Points per ₹100 spent on dining, shopping, and entertainment. 4 Reward Points per ₹100 on other retail.

Redemption Value: 1 Reward Point = ₹0.20 directly redeemable for dining vouchers or statement credit.

🛫Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating lounges in India.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal air accident cover of ₹25 Lakhs. Lost card liability cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Buy 1 Get 1 free movie ticket discount on BookMyShow up to ₹200 (twice a month). Earn 2,000 bonus EazyPoints on reaching ₹30,000 monthly spend. Free alcoholic beverage at select partner restaurants.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Maximum dining discount is capped at ₹1,000 per transaction and applies only at partner restaurants supporting PayEazy on the EazyDiner platform. Spend waiver requires ₹2 Lakhs annual spend. Forex markup is 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹300 (whichever is higher) + 3.83% monthly finance charges.

Finance Charges (Interest)3.83% per month (46.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹30,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹4,00,000.

Age Requirement21 to 65 Years

Minimum Income₹30,000/month (Salaried) / ₹4,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Frequent EazyDiner app diners often receive instant pre-approved issuance.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the EazyDiner app or visit indusind.com/eazydiner.

2Enter PAN and mobile number for soft eligibility check.

3Select EazyDiner IndusInd Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Digital card activated instantly in EazyDiner app; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any IndusInd Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (indusind.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on EazyDiner IndusInd Bank Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.83% per month (46.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on EazyDiner IndusInd Bank Credit Card into EMI?

Yes, IndusInd Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on EazyDiner IndusInd Bank Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IndusInd Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.20 directly redeemable for dining vouchers or statement credit. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on EazyDiner IndusInd Bank Credit Card and how does it work?

The interest-free period on EazyDiner IndusInd Bank Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.83% per month (46.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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