INDUSIND

IndusInd Bank EazyDiner Credit Card

Good fit for online shopping across multiple brands — ₹2,999 annual fee.

What you'd do with it

  • Good fit when travel hotel shopping entertainment is a regular spend category for you.
  • Competitive for day-to-day rewards with an estimated base return around 0.4%.
Suggested comparison Compare with Axis Bank Privilege →
Choose another card to compare →
Annual fee ₹2,999 per year
Forex markup 3.5% high
Lounge access 0 no lounge
Rewards / ₹100 10 pts up to · ₹100 on Travel Hotel Shopping Entertainment

The catch Forex markup is 3.5%, so this can get expensive for frequent international spends.

  • Waiver condition missing
  • Welcome benefit timing may vary
  • Annual fee known
  • Forex markup known
  • No lounge access

At a glance

Snapshot · usage · fit

Fast facts

Annual fee
₹2,999 higher than 76 of 112 cards
Joining fee
₹2,999
Forex markup
3.5% the standard rate (matches 66 cards)
Lounge access
No complimentary lounge access
Reward rate
Up to 10 pts / ₹100 on Travel Hotel Shopping Entertainment

Not a fit for

  • No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

  • Use this for travel, hotels, shopping, and entertainment spends, but verify caps and exclusions before relying on the headline rate.

Verify before applying

  • Annual fee known
  • Waiver condition missing
  • Forex markup known
  • No lounge access
  • ₹7,500 welcome benefit listed
  • Welcome benefit timing may vary
  • Monthly interest known
  • Welcome benefit timing and claim process.
  • Annual fee waiver terms and eligible spend exclusions.
  • Issuer fees, GST, finance charges, and late-payment terms.
  • Reward terms to verify: base earn is 4 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank Privilege Closest alternative from the same pricing or usage lane. Forex ranking (verified) Compared on verified forex markup, then annual fee.

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Value depends on usage and waiver terms. GST may apply on the annual fee.

When do welcome benefits arrive?

A welcome benefit worth ₹7,500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions
Verified value₹0.1 per pointHeadline redemption
Best verified laneTravel Hotel Shopping Entertainment10 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind
ScopeRateEligibilityLimit
Travel Hotel Shopping Entertainment10 pts / ₹100——
General spend4 pts / ₹100——

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Estimated using base earn (4 pts / ₹100). ~2,000 pts/month. Partner/category bonuses not included.
  • Fee waiver conditions unclear — verify
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
No complimentary lounge access
International (cardholder)
Not included

Rewards

Base earn
4 pts / ₹100 · verified 12 Jun 2026 value depends on redemption
Headline point value
₹0.10 per Reward Point (Headline redemption) · verified 12 Jun 2026 Operator-verified headline rate — full channel grid in Redemption value.

Redemption value

You earn
Reward Points
Redemption
₹0.10 per Reward Point · verified 12 Jun 2026
Fees & charges

Fees

Monthly interest rate
3.83% / month
Annual fee
₹2,999
Joining fee
₹2,999 · verified 12 Jun 2026

International Use

Forex markup
3.5%

2 sources agree · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Fuel Benefits

At the pump

No verified fuel benefit available.

Annual fee break-even math

When does this card pay for itself
₹7.5L Break-even using base rewards to offset ₹2,999 fee

Base rewards only: at base earn rates, you need roughly ₹7.5L in yearly spend to offset the ₹2,999 annual fee.

Compare with similar cards

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The fine print

Caps · exclusions · sources · last refresh
  • Annual fee: ₹2,999.
  • Forex markup currently listed at 3.5%.
  • No complimentary lounge access.

Learn more

Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Information updated 11 Jul 2026. moneymatters.cards Theme preferences are saved in this browser only.