EazyDiner IndusInd Bank Platinum Credit Card

A closer look at the EazyDiner IndusInd Platinum Credit Card reveals an array of features designed to provide exceptional value and convenience to its users.

EazyDiner IndusInd Bank Platinum Credit Card shows how well it can elevate your dining experience with its enticing benefits.

• Reward Points: The EazyDiner IndusInd Platinum Credit Card card generates points for every transaction done on it. It rewards you with points each time you make a purchase. Accumulate points and owe them to gifts, vouchers, and other perky options that will make your spending all the more rewarding and value maximised by your expenses.
• The reward points are as follows:
  • Earn Rate: Earn 10 Reward Points for every ₹100 spent on dining, shopping, and entertainment.
  • For example: If spending ₹10,000 on dining, you earn 1,000 Reward Points.
• Fuel Surcharge Waiver: This card grants a fuel surcharge waiver at certain petrol stations, which helps the frequent traveller and the heavy fuel user save dollars. It is handy for those who often use the car for driving.
• The fuel Surcharge Waiver is as follows:
  • Waiver Rate: For transactions between ₹5,000 and ₹30,000, the card comes with a 1% fuel surcharge waiver, capped at ₹250 per billing cycle.
  • For instance, If you spend ₹10,000 on fuel, you will save ₹100 as fuel surcharges.
• Insurance Coverage: The card gives free insurance coverage on unexpected occurrences, making it safe and carefree. Ensure you are covered financially during emergencies by you and your loved ones.
• Lounge Access: The card entitles you to access specific airport lounges, pampering you while you wait for your flights. It makes travel less hectic and much more pleasurable.
  • Access: You get up to two free domestic visits to airport lounges across India in a quarter.
  • Benefits: International gourmet meals, comfortable seating, free Wi-Fi, and widescreen TVs will keep you entertained as you await your flights.

Learning the fee structure of a credit card is essential if one manages his finances well. The main fees associated with an IndusInd Bank Platinum Credit Card include:

• Annual Fees: This card is highly cost-effective because it excludes yearly fees, making it attractive to consumers. This feature adds value without compromising any other parts of the card.
• Fee for Renewal: A minimum fee of ₹199 would be levied for renewing the card after the year succeeding. It will let customers enjoy negligible payments while using credit card services without a breakage.
• Interest Charges: The card provides a competitive interest rate of 3.83% per month (46% per annum) charged against any outstanding balance on this card. To avoid incurring the interest but maintain decent finances, repay the amount withdrawn again every month.
• Cash Withdrawal Fees: The cash withdrawal fee for the EazyDiner IndusInd Bank Platinum Credit Card is 2.5% of the withdrawal amount, subject to a minimum fee of ₹300 per transaction. Additionally, interest charges apply from the withdrawal date until the amount is fully repaid.
• Over-limit Fee: An amount above one's credit limit will incur an over-limit fee of 2.5% of the over-limit amount (with minimum fees being ₹500); so, always try to keep your expenses in line with the given credit limit to avoid this.
• Foreign Transaction Fee: A foreign fee of 3.5% of the transaction amount would apply for transactions done in foreign currency or when traveling abroad. Keep this in mind when making any international purchase.
• Late Payment Fee: A late payment is charged with a penalty. This is meant to keep the members on their toes with payments and assist them in keeping their credit records clean. Cardholders will stay free from this extra cost by paying promptly.

The late payment fee for the EazyDiner IndusInd Bank Platinum Credit Card varies based on the outstanding balance amount:

Eligibility Criteria of EazyDiner IndusInd Bank Platinum Credit Card

Applicants must meet specific eligibility criteria to apply for the EazyDiner IndusInd Bank Platinum Credit Card. Here are the key requirements:

• Age: To be eligible, applicants must be aged between 18 years to 65 years. This makes them legal age and accountable enough both legally and financially to handle credit card accounts responsibly.
• Income: The individual must have a regular income- whether salary via self-employment or some other avenue and show documents as proof of income as they would prove the capacity to repay the credit, improving chances of getting approved.
• Credit score: A good credit score increases your chances of getting approval for an IndusInd Platinum Credit Card. It indicates that the individual has managed credit well, making it easier to secure better terms on credit products from lenders.

Required Documents

Applications for IndusInd Bank Platinum Credit Card also require the following documents to be submitted:

• Identification proof: Passport, Aadhar card, Voter ID, or government-recognised identity proof.
• Proof of Residence: Utility bills, rental agreement, or any other document showing your residential address.
• Proof of Income: Salary slips, IT returns, bank statements, or other documents substantiating your income.
• Photographs: latest passport-size photographs.

Follow the below-given steps regarding applying for IndusInd Platinum Credit Card:

• Visit The Website: Visit IndusInd Bank's official site or avail of any of their nearby branches.
• Fill Application Form: Fill out the application form with the correct details to avoid processing delays.
• Submit Documents: Submit all the required documents for verification. This is done to check your eligibility and verify details with the bank.
• Review and Approval: The card will be sent to your address if approved after the review. You are notified regarding the card status, as it usually takes a few business days to arrive.