IndusInd Bank

EazyDiner IndusInd Bank Platinum Credit Card

2 reward points per ₹100 on most spends (0.4% back, at ₹0.20 a point redeemed against restaurant bills in the EazyDiner app), 0.7 points per ₹100 (0.14%) on insurance, rent, utilities and government payments, and none on fuel. The main value is dining: an extra 20% off up to ₹500, three times a month, when you pay a restaurant bill through the EazyDiner app with this card, plus 3 months of EazyDiner Prime to start. Also a buy-one-get-one BookMyShow ticket (up to ₹200 off) once a month, and 2,000 bonus points with a further 3 months of Prime for each ₹30,000 spent in 90 days (dining doesn't count).

Lifetime free
Works on UPI (RuPay)
Visa / RuPay

View on IndusInd Bank siteIssuer's site. We don't earn from this card.

Good

Lifetime free: no joining or annual fee
Works on UPI and earns 0.4% there

Watch out for

Low base rate: 0.4% on everyday spends
High forex markup (3.5%)

Who it's for: Anyone who wants a no-fee card for everyday spends that also works on UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.4% (base rate)
Online shopping: 0.4%
Fuel: 0%
Groceries: 0.4%
UPI: 0.4%
Travel: 0.4%
Bills and utilities: 0.14%
Dining and food delivery: 0.4%

Fees and charges

Joining fee: Free
Annual fee: Free
Fee waiver: Lifetime free: no joining or annual fee, and no spend needed to keep it free.
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver at fuel stations across India; IndusInd may cap the value or number of fuel transactions but doesn't publish the cap. From 15 June 2026 a 1% fee applies when your fuel spends pass ₹30,000 in a statement cycle. Fuel earns no points.

Benefits and eligibility

Airport lounge: None. IndusInd doesn't offer Priority Pass on this card, and the card's page lists no lounge access.
Card network: Visa, RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: IndusInd Bank doesn't publish age or income criteria for this card. You apply online and finish with a video KYC. UPI payments work only on the RuPay version of the card. Approval at the bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the EazyDiner IndusInd Bank Platinum Credit Card?

View on IndusInd Bank siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by IndusInd Bank.

What changed recently

7 Aug 2026OtherBetter for you
A RuPay version was launched, so the card can now be linked to UPI apps for QR payments.
After: RuPay version with UPI payments
Bank's notice or terms
15 Jun 2026FeesWorse for you
The 1% fee on fuel spends now starts above ₹30,000 per statement cycle instead of ₹50,000.
Before: 1% fee on fuel above ₹50,000 a cycle · After: 1% fee on fuel above ₹30,000 a cycle
Bank's notice or terms
15 Jun 2026FeesWorse for you
Markup on rupee payments at foreign or overseas-registered merchants (dynamic currency conversion) rose from 1% to 2%.
Before: 1% + GST · After: 2% + GST
Bank's notice or terms
15 Jun 2026FeesWorse for you
Late payment fees rose in the middle slabs, for example from ₹350 to ₹500 on dues of ₹501–1,000 and from ₹550 to ₹750 on dues of ₹5,001–10,000.
Before: ₹350 (₹501–1,000), ₹550 (₹1,001–10,000), ₹800 (₹10,001–25,000) · After: ₹500 (₹501–1,000), ₹600 (₹1,001–5,000), ₹750 (₹5,001–10,000), ₹900 (₹10,001–25,000)
Bank's notice or terms
15 Jun 2026FeesWorse for you
New 1% fee on rail, bus and toll spends (MCC 4111, 4112, 4131, 4784) above ₹40,000 per statement cycle.
After: 1% + GST above ₹40,000 a cycle
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the EazyDiner IndusInd Bank Platinum Credit Card worth it in 2026?

Yes, as a no-fee card for everyday spends that also works on UPI: it costs nothing to keep. The catch: low base rate: 0.4% on everyday spends.

Is the EazyDiner IndusInd Bank Platinum Credit Card lifetime free?

Yes. The bank's fee schedule shows no joining fee and no annual fee.

Does the EazyDiner IndusInd Bank Platinum Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.4% on UPI spends.

Does the EazyDiner IndusInd Bank Platinum Credit Card give airport lounge access?

No complimentary airport lounge access.

What earns no rewards on the EazyDiner IndusInd Bank Platinum Credit Card?

Fuel earns no points. Insurance, rent, utilities and government payments earn a reduced 0.7 points per ₹100. Dining spends don't count towards the ₹30,000 milestone. Points are earned only on spends up to your credit limit in each statement cycle, can be redeemed only in the EazyDiner app (not as cash), and expire at the end of each card anniversary year. Rent paid through third-party apps carries a 1% fee, and 1% fees apply when, in one statement cycle, utilities pass ₹25,000, wallet loads pass ₹20,000, education paid through third-party apps passes ₹45,000, fuel passes ₹30,000, or rail, bus and toll spends pass ₹40,000.

Who can get the EazyDiner IndusInd Bank Platinum Credit Card?

IndusInd Bank doesn't publish age or income criteria for this card. You apply online and finish with a video KYC. UPI payments work only on the RuPay version of the card. Approval at the bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read IndusInd Bank's own product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 20 Oct 2026 on IndusInd Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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