Route spending through 10 Reward Points per ₹100 (product page 2026-09-17); 1 RP = ₹0.10.
Earn 2.5× here — 2.5% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Dining
INDUSIND BANK · EAZYDINER INDUSIND BANK SIGNATURE CREDIT CARD
EazyDiner IndusInd Bank Signature Credit Card
ANNUAL FEE
₹2,999
FIRST-YEAR NET VALUE
₹19,321 for a mid spender · travel
INDUSIND BANK EazyDiner IndusInd Bank Signature
VISA
Updated 17 Sep 2026 4 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 Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult 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
₹19,321 first-year net value · mid spender · travel
Category rewards ₹22,320
Annual fee − ₹2,999
Net first-year value ₹19,321
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 4 pts 4 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.5% back
10 Reward Points per ₹100 (product page 2026-09-17); 1 RP = ₹0.10 · 2.5%
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.
Joining fee ₹2,999 · + 18% GST · one-time
Annual fee (year 2+) ₹2,999
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.
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 Signature Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Joining and annual fee now ₹2,999 + GST (was ₹0 joining / ₹1,999 annual); welcome package is 12 months EazyDiner Prime + 2,000 EazyPoints + ₹7,500 Postcard Hotel voucher; earn structure is 10 RP per ₹100 on hotel, travel, shopping and entertainment and 4 RP per ₹100 elsewhere at ₹0.10 per point (file had valued RP at ₹0.25); the 90-day milestone ladder is no longer on the product page and was removed. First-year cost rises to ₹3,539; reward rate falls to 0.4%-1.0%; welcome value rises to about ₹13,000 for diners
- 24 Feb 2026 Signature-tier EazyDiner features revalidated from official IndusInd and EazyDiner pages Updated fee, milestone and discount caps in dataset
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: IndusInd EazyDiner Credit Card page (official), EazyDiner x IndusInd partner page (official), IndusInd credit card MITC page (official), indusind.bank.in. Next scheduled review: 17 Mar 2027.