Route spending through 0.7 Reward Points per ₹100 on insurance, rent, utility and government spends; fuel earns nothing (product page 2026-09-17).
Earn 0.2× here — 0.2% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
INDUSIND BANK · EAZYDINER INDUSIND BANK PLATINUM CREDIT CARD
EazyDiner IndusInd Bank Platinum Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹7,450 for a mid spender · travel
INDUSIND BANK
Updated 17 Sep 2026 6 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IndusInd Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 650+ Good band
AGE 18 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹7,450 first-year net value · mid spender · travel
Category rewards ₹7,200
Welcome benefit· Welcome reward points ₹250
Net first-year value ₹7,450
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.40% back on eligible spends 2 pts 2 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.4% back
0.7 Reward Points per ₹100 on insurance, rent, utility and government spends; fuel earns nothing (product page 2026-09-17) · 0.2%
Everything else (base) · 0.4%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IndusInd Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Welcome voucher
₹250 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How EazyDiner IndusInd Bank Platinum Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Reward rate corrected to 2 RP per ₹100 at ₹0.20 per point (0.4%; the file had 1.0%), 0.7 RP per ₹100 on insurance/rent/utility/government, nothing on fuel; the weekend-dining 4X entry is not on the product page and was removed; milestone corrected to 2,000 RP on ₹30,000 every 90 days (was ₹40,000), dining spends excluded; welcome is 500 EazyPoints. Lifetime free re-verified; product URL updated to the Platinum-specific page. Card scores at less than half its previous reward rate
- 2024 Enhanced EazyDiner platform integration Improved dining experience and discount access
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IndusInd EazyDiner Credit Card product page (official), IndusInd EazyDiner Platinum detailed product features T&C page (official), IndusInd Premium Credit Cards MITC PDF (official), IndusInd fuel surcharge waiver T&C page (official), IndusInd credit cards page (official; reward points no-expiry statement), indusind.bank.in. Next scheduled review: 17 Mar 2027.