EazyDiner Signature Credit Card

What are the Key Highlights of the EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card sits in the mid-premium dining segment. It’s not entry-level like the Platinum version, but it’s not overly expensive either. The value mostly comes from how often you eat out. Here’s a quick snapshot of what you get:

• Joining fee: ₹1,999 + GST
• Annual fee: ₹1,999 + GST
• Reward rate:
• 10 points per ₹100 on travel, hotels, and shopping
• 4 points per ₹100 on other spends
• Dining discount: 25% up to ₹1,000 per transaction
• Monthly discount cap: ₹2,000 (can go up to ₹5,000 with spends)
• Lounge access: Not a major feature (removed/limited)
• Fuel surcharge waiver: 1% (₹400-₹4000 transactions)
• Income requirement: Typically ₹4-6 lakh annually (varies profile-wise)
• Best for: Dining, restaurant bills, lifestyle spends
• Recommended for: Frequent diners, couples, urban users

Note: You get an EazyDiner Prime membership worth ₹3,550, plus welcome EazyPoints and a ₹7,500 hotel voucher (The Postcard Hotel) upon joining.

Why Choose EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card works best if your spending already includes eating out. It doesn’t try to push travel perks or luxury benefits that most people barely use. Here’s where it stands out:

• Real savings on restaurant bills, not just reward points
• Discounts apply instantly at payment, no waiting
• Monthly savings potential is quite high (₹2,000-₹5,000 range)
• Reward redemption is simple, directly on dining bills
• Works smoothly with the EazyDiner app ecosystem
• Good mix of rewards + direct discounts

What are the Features & Benefits of EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card is centred on dining-first benefits, but it also adds a few lifestyle perks. Here’s how it actually plays out:

Dining Benefits

• 25% instant discount on restaurant bills via EazyDiner
• Discount capped at ₹1,000 per transaction
• Monthly cap of ₹2,000 without conditions
• Can unlock ₹5,000 monthly savings with ₹30,000 non-dining spend

Membership Benefits

• Complimentary EazyDiner Prime (1 year)
• Access to 2000+ premium restaurants with deals
• Guaranteed 25-50% restaurant offers

Reward System

• 10 reward points per ₹100 on travel & shopping
• 4 reward points per ₹100 on regular spends
• 1 point = ₹0.10 value
• No reward points on dining (discount replaces it)

Lifestyle Extras

• Complimentary beverage at select restaurants (200+ locations)
• ₹7,500 luxury hotel stay voucher (welcome benefit)
• Contactless payments, global acceptance

Security & Utility

• “Total Protect” insurance covers against fraud
• Year-end expense summary for tracking

What are the Fees & Charges of EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card keeps fees fairly standard for this category. Here’s a clear breakdown:

Charges Type	Details
Joining Fee	₹1,999 + GST
Annual Fee	₹1,999 + GST
Interest Rate	Approx. 3.83% per month (around 46% annually)
Late Payment Fee	₹100 to ₹1300 (based on outstanding)
Foreign Markup	3.50%
Cash Advance Fee	2.5% (min ₹300)
Fuel Surcharge	1% waived (₹400-₹4000 range)

What is the Reward Points & Cashback Value of the EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card mixes direct discounts with reward points. Most savings come from dining discounts, not points.

1 reward point = ₹0.10

Example

Let’s say: Dining bill = ₹5,000

• You get 25% Prime discount = ₹1,250
• Extra 25% card discount of around ₹937
• Reward redemption (1000 points) = ₹100
• Final payable will be around ₹2,713
• Total savings: Approx ₹2,287

That’s nearly a 45% savings rate, which is why this card works best for regular diners.

What is the Eligibility Criteria for the EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card is not very restrictive, but it still targets salaried or self-employed users with stable income.

• Age: 21 to 65 years
• Employment: Salaried or self-employed
• Income: Around ₹4-6 lakh annually (varies)
• Credit score: Ideally 700+
• Stable repayment history

What Documents are Required for the EazyDiner Signature Credit Card?

Getting the EazyDiner Signature Credit Card approved depends on basic KYC and proof of income.

• Identity proof (Aadhaar, PAN, Passport)
• Address proof
• Income proof (salary slips / ITR)
• Bank statements (last 3-6 months)
• Passport-size photograph

How to Apply for the EazyDiner Signature Credit Card through Urban Money?

If you don’t want to go through bank portals, applying via a credit card platform like Urban Money feels simpler. If you want to estimate payments later, a credit card EMI calculator can help you plan spends better. Here’s how it usually works:

• Visit the Urban Money website
• Search for IndusInd Bank credit cards
• Select EazyDiner Signature Credit Card
• Fill basic details (income, job, location)
• Upload documents digitally
• Complete video KYC
• Track status online

What are the Pros and Cons of the EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card is strong in the dining area. Outside that, it’s average. Have a look at the pros and cons of this credit card:

Pros

• High dining discounts (up to ₹5,000/month)
• Free EazyDiner Prime membership
• Easy reward redemption on bills
• Solid welcome benefits

Cons

• No reward points on dining spends
• Lounge access is limited or removed
• Benefits depend heavily on app usage
• Not ideal for travel-focused users

Who Should Get the EazyDiner Signature Credit Card?

The EazyDiner Signature Credit Card is designed for a specific type of user. If you don’t fall into this group, the value drops quickly. If your spending is mostly travel or fuel, this card won’t feel that useful.

This credit card is meant for:

• People who dine out 2-3 times a week
• Couples or families who use restaurant apps
• Urban professionals in metro cities
• Users already using EazyDiner regularly