Base reward rate: Earn 4 reward points per ₹100 on regular spends, 10 points on shopping and entertainment. Dining spends no longer earn reward points as of July 15.
Redemption options: EazyDiner, IndusInd RP
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 1999
Annual fee: 1999
Pros
Exceptional welcome bonus valued significantly higher than the joining fee, including a 12-month EazyDiner Prime Membership, 2000 EazyPoints, and a ₹5,000 Postcard Hotel voucher.
Strong direct dining discounts, offering an additional 25% off up to ₹1,000 per bill via PayEazy and a complimentary premium alcoholic beverage at select partner restaurants.
Generous monthly entertainment benefit of 2 free movie tickets, each capped at ₹200, providing a potential value of ₹4,800 annually.
Good accelerated reward rate of 10 points per ₹100 on all shopping and entertainment spends.
Unconditional domestic lounge access with 2 complimentary visits per quarter, which is not tied to any minimum spending requirement.
Cons
The ₹1,999 annual fee is mandatory and cannot be waived, which is a significant drawback as most cards in this segment offer a waiver on achieving a spending threshold.
Critically, the card offers zero reward points on dining spends as per its exclusion list, making the advertised 10x dining reward rate obsolete and misleading.
The base reward rate of 4 points per ₹100 on regular spends is low for a card with a ₹1,999 annual fee.
Poor choice for international travel due to a high 3.50% foreign currency markup and no international lounge access.
Best Use Case
Individuals who frequently dine out, enjoy entertainment, and shop, seeking significant discounts and accelerated rewards on these spends.