4 pts / ₹100 · Up to 10 pts / ₹100 on Travel Hotel Shopping Entertainment
Strong data Pairwise comparison
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IndusInd Bank EazyDiner vs Kotak Mahindra Bank Zen Signature Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IndusInd Bank EazyDiner and the Kotak Mahindra Bank Zen Signature. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Zen Signature for lounge access.
Head-to-head
Three core metrics- Annual fee Zen Signature saves ₹1,499/yrEazyDiner ₹2,999 Annual-fee waiver not offeredZen Signature ₹1,500 Waivable at ₹1,50,000 spend
- Forex markup EazyDiner 3.5%Zen Signature 3.5%
- Domestic lounge Zen Signature: +8 lounge visits/yrEazyDiner No complimentary lounge accessZen Signature 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card5 pts / ₹150 · Up to 10 pts / ₹150 on Shopping Lifestyle
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (IndusInd Bank EazyDiner: ₹2,999 vs Kotak Mahindra Bank Zen Signature: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 8/year (2 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Kotak Mahindra Bank Zen Signature wins Kotak Mahindra Bank Zen Signature is better for lounge access
Kotak Mahindra Bank Zen Signature is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Tie Both cards are similar for rewards
IndusInd Bank EazyDiner conservative base value ~0.4% vs Kotak Mahindra Bank Zen Signature's ~0.7%. Kotak Mahindra Bank Zen Signature conservative base value ~0.7% vs IndusInd Bank EazyDiner's ~0.4%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Kotak Zen Signature: ~₹330/month at base rate
- IndusInd Bank EazyDiner: ~₹200/month at base rate
Illustrative only, using current base rates before caps.
| Field | EazyDiner IndusInd Bank | Zen Signature Kotak Mahindra Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 8/year (2 per quarter) | No complimentary lounge access | 8/year (2 per quarter) |
| International lounge visits Not included vs 3 per year | No international lounge access | 3 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹2,999 vs ₹1,500 | ₹2,999 | ₹1,500 |
| Annual-fee waiver Not offered vs ₹1,50,000 | Not offered | ₹1,50,000 |
| Interest-free period Only available for Kotak Zen Signature | Not specified | Up to 51 days |
| Monthly interest rate Only available for IndusInd Bank EazyDiner | 3.83% / month | Not specified |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹500–₹5,000 transactions · ₹3,500/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹500–₹5,000 transactions · ₹3,500/year waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 4 pts / ₹100 vs 5 pts / ₹150 | 4 pts / ₹100 | 5 pts / ₹150 |
| Conservative base value ~0.4% vs ~0.7% | ~0.4% | ~0.7% |
| Earn ceiling Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment vs 6,500 points per statement cycle; at 5 pts / ₹150, this lane reaches the cap at ₹1,95,000 of eligible spend | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend & Travel Hotel Shopping Entertainment | 6,500 points per statement cycle; at 5 pts / ₹150, this lane reaches the cap at ₹1,95,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.1 vs ₹0.25 | ₹0.1 | ₹0.25 |
Notes
- Kotak Zen Signature Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
IndusInd Bank EazyDiner
Verify with issuer , opens external siteKotak Mahindra Bank Zen Signature
Verify with issuer , opens external site