SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, lifetime free, and entry level.
Why it can work
It combines milestone rewards and no annual fee.
Where value may drop
Fuel don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many EazyPoints and discounts you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | EazyPoints And Discounts/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 192 |
| Utility bills | Rs 3,000 | 50 |
| Other spends | Rs 8,000 | 384 |
| Rent | Rs 5,000 | 84 |
| Insurance | Rs 2,000 | 34 |
| Tax / Government payments | Rs 2,000 | 34 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| dining | Extra 20% off up to Rs 500 + 2X EazyPoints | 1,500 EazyPoints and discounts |
| Utility, insurance, government, and rent spends | 0.7 reward points per Rs 100 | - |
| base | 2 reward points per Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Complimentary 3-month EazyDiner Prime membership
- 500 welcome bonus EazyPoints
Renewal benefits
- 3-month EazyDiner Prime membership renewal upon spending Rs 30,000 in 90 days
Additional benefits
- 1% fuel surcharge waiver at all fuel stations in India
Additional details
- Dining discount of 20% up to Rs 500 is capped at 3 transactions per calendar month and is only applicable when paying through PayEazy on the EazyDiner app
- 1 Reward Point = Rs 0.20 when redeemed against restaurant bills via PayEazy on the EazyDiner app
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to IndusInd Bank approval criteria
Self-employed
- Eligibility is subject to IndusInd Bank approval criteria
Compare before you decide
Alternatives based on what you might want instead.
IndusInd Bank Platinum RuPay Credit Card
Best for upi, lifetime free, entry level.
EazyDiner IndusInd Bank Credit Card
Best for dining, movies, travel.
Federal Bank Celesta Credit Card
Best for travel, lounge, dining.