INDUSIND

IndusInd Bank EazyDiner Credit Card

Good for everyday spend that earns rewards.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Up to 10 pts / ₹100 on Travel Hotel Shopping Entertainment
  • You spend on travel Hotel Shopping Entertainment.
Issuer evidence · 6 sources →

Trade-off

Welcome benefit details not verified

Annual fee ₹2,999 per year
Rewards 4 pts / ₹100 base
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank Privilege →

Closest alternative from the same pricing or usage lane.

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend4 pts / ₹100Credited as reward pointsRewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment
Travel Hotel Shopping Entertainment10 pts / ₹100Credited as reward pointsShared across General spend & Travel Hotel Shopping Entertainment

One shared ceiling applies across 2 of these categories — they draw from the same cap pool.

Redemption value

What a Reward Point is worth

  1. Vouchers₹0.1 / pt

When does this card pay for itself?

Rewards break-even estimate
₹7.5L

Conservative yearly spend needed at the ₹0.10-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

4 points per ₹100 on eligible spend

Verified value

₹0.1 per point

Vouchers

Caps

  • General spendRewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment
View full earning rules →

Realisation

Credited as reward points

Costs & fees

Watch outs

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

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (4 pts / ₹100). Up to ~2,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹200 at the conservative redemption floor
  • Annual-fee waiver not offered by issuer
  • 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 on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
4 points per ₹100 · verified 12 Jun 2026 value depends on redemption
Effective return (honest floor)
~0.4% base (conservative redemption) · verified 12 Jun 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.10 per Reward Point (Vouchers) · verified 12 Jun 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges

Fees

Monthly interest rate
3.83% / month
Annual fee
₹2,999
Joining fee
₹2,999 · verified 12 Jun 2026
Annual-fee waiver
Not offered

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹4,000.
  • Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
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IndusInd Bank EazyDiner
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Axis Bank Privilege
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IndusInd Bank EazyDiner
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ICICI Bank Rubyx American Express
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IndusInd Bank EazyDiner
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Kotak Mahindra Bank Zen Signature
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IndusInd Bank EazyDiner
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RBL Bank World Safari

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Statement-cycle cap: Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment.
  • After the shared cap is reached, further spending in that lane earns no rewards.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel

Other

  • Dining

Latest update

  • Annual fee: ₹2,999.
  • Forex markup currently listed at 3.5%.
  • No complimentary lounge access.

Common questions

From verified card facts

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?

₹2,999 every year. The issuer does not offer an annual-fee waiver.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 3 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

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

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.