IndusInd Bank EazyDiner Platinum Credit Card Review

Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 16th Jan 2024.

IndusInd Bank recently launched another cobranded card in collaboration with EazyDiner on a Visa Platinum platform. This new card is Lifetime Free and hence a toned-down version of the earlier launched IndusInd EazyDiner Signature.

EazyDiner is a dine-out application which helps you get great dining deals in India and the UAE. With this, you can book tables at your nearby fine dining and or even fast-food chains.

Let’s check out all that this card brings to the table!

Charges and Welcome Benefits

You get a 3-month EazyDiner Prime Membership along with the IndusInd Bank EazyDiner Platinum card which will get renewed if you spend ₹30,000 in 90 days.

Reward Accrual

• *Retail spending excludes fuel spending.
• 1 Reward Point = 20p
• Accumulated reward points will expire after every anniversary year.
• EazyPoints expire if you don’t do a transaction for more than 6 months on the EazyDiner platform.

EazyPoints are earned differently than the Reward Points on the EazyDiner application. You can earn EazyPoints by doing the following

• 2000 EazyPoints when you purchase a paid EazyDiner Prime Membership
• 50 EazyPoints per person on booking a table and dining out
• 75 EazyPoints on uploading the bill
• 75 EazyPoints on reviewing the restaurant

Out of all the above ways, you will get 2X EazyPoints on the Book a Table Feature only, and the rest of the earning rate will be as usual. If you are a non-prime member you are entitled to 25 EazyPoints per diner on booking a table so with this card you will receive 50 EazyPoints per diner.

Milestone Benefits

You can get 2000 Reward Points upon spending ₹30,000 on categories other than dining every 90 days. The effective value of these points is ₹400 (~1.33%) and can be used to slash your dining bills.

Reward Redemption

You can earn rewards in two different forms that are Reward Points and EazyPoints but the currency is a single entity called EazyPoints. Now the interesting part is that the redemption process for both of them is different. Both points will be visible separately in your application once you have the card linked to your application.

For redemption, you have the following options.

Reward Points

• Reward Points earned on spending are instantly redeemable against your food bills at 20p per point. You cannot redeem them in cash.

EazyPoints Redemption

• You can redeem EazyPoints against Meal Vouchers, Restaurant events or free Hotel Stays as and when they are unlocked for you.

EazyPoints when redeemed for a meal voucher gives you a value of 20p each and has a minimum spending condition. A 200 voucher comes with a 1000 minimum billing condition. So redemptions for meal vouchers are pointless since you won’t be able to 20%-40% club card discounts with them and points would simply go to waste.

You can also redeem EazyPoints for a night’s stay in select juSTa Resorts in Dharamshala and Shimla if you pay for the other night. A night at juSTa Birding Dharamshala starts from 5K a night whereas juSTa Cliffend Resort & Spa Mashobra Shimla costs around 7.5K with the same redemption requirements.

Further if luxury is your cup of tea, then Postcard Hotel (India/ Sri Lanka/ Bhutan) redemption option is also there, starting from 20K EazyDiner points. But there is a condition of paying the full amount for the first night and then the second night becomes complimentary.

To get the maximum out of EazyDiner points I recommend you accumulate them and use them for hotel redemptions.

EazyDiner Dining Benefits

• Avail an extra 20% OFF up to ₹500 thrice a month when you eat out & pay on the app via PayEazy over and above the Prime Discount.
• This discount is applicable through the IndusInd Bank EazyDiner Platinum Card only on paying on the EazyDiner App online via PayEazy.
• You can avail of this discount multiple times in a day but will not be applicable if consecutive transactions are made at the same restaurant within a gap of 120 minutes or less. So clearly you can’t split the payment and enjoy the double dip.
• The most highlighted feature of this card is that there are no minimum billing amount requirements.

Now, PayEazy is a payment channel provider that helps you pay the restaurant bill. This helps you make a transaction with any debit or credit card and other popular payment gateways and enjoy offers and discounts from their payment partners. You have to keep in mind that not all restaurants available on EazyDiner give Prime benefits and also not all the Prime restaurants are PayEazy enabled. So for a maximum savings combination, a restaurant should be a PayEazy-enabled Prime restaurant.

So a bill of ₹2,000 in a restaurant gets an EazyDiner discount of let’s say, 25% and becomes ₹1,500 and then becomes ₹1,200 instantly on paying via EazyPay with this card!

Here’s how you can avail of maximum discount when you dine in with your IndusInd EazyDiner Credit Card

• Go to the EazyDiner App/Website
• Select a deal at your choice of Prime restaurant and confirm the booking
• After you reach the restaurant, grab your table and inform the server that you have booked a table using EazyDiner
• Enjoy your meal, and open up the application
• To make a payment towards the bill, open the EazyDiner App, select PayEazy and pay with the best card offer you can see

New to EazyDiner? Download the application and use the referral code: BHAVY9104 to get a ₹500 worth voucher.

Other Benefits

Forex Markup Charges

All overseas transactions are levied with a 3.5% + GST transaction fee.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver across all fuel stations in India. This waiver applies for all fuel transactions between ₹400 to ₹4000. Since the bank has mentioned no capping on this card I think it’s an unlimited fuel surcharge waiver.

How to Apply?

Currently, this card is being issued only to people who don’t hold any IndusInd Credit Card and can be applied from the EazyDiner portal. If you already hold an IndusInd card then you can only apply for the signature version.

TechnoFino Recommends

I would easily say that EazyDiner has again nailed it with their IndusInd Bank EazyDiner Platinum Card just like its highly popular Signature version which has been a hit among foodies. At the same time, many people didn’t take the card due to a fee of roughly ₹2500 annually. Although the BookMyShow offer and other benefits of the card easily outweigh the annual fees still from the perspective of people who didn’t dine out much the card was not plunge-worthy.

Now coming to this card I would say that this card must be in your wallet if you dine out once in a while and your favourite restaurant is listed on the EazyDiner app. The features of the card have been very well designed for this to qualify as a cobranded card since only the value-added features have been removed when compared to the signature version. This card is built for people who have just started earning and are looking for an LTF card which can give them some great value on their small ticket-size cafe expeditions.

The only thing which I feel dampens this card slightly is the thrice-a-month discount limit on the dining bills since many other EazyPay partner banks are providing discounts even four times a month. Being a cobranded card it could have covered a weekend every week by giving instant discounts at least 4-5 times a month.

Are you planning to get hold of this IndusInd EazyDiner card? Do let us know in the comments below.

Bhavye Goel

Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.