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Comparison · हिन्दी

EazyDiner IndusInd vs HDFC Diners Club Privilege

Both cards compared on real rupee returns for best dining credit card India restaurant discounts. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
INDUSIND
EAZYDINER SIGN
ASHOK KUMAR
VS
HDFC
DINERS CLUB PR
ASHOK KUMAR
Our verdict
HDFC Diners Club Privilege Credit Card wins for most people
HDFC Diners Club Privilege wins decisively with ₹4,640 annual benefit versus EazyDiner IndusInd's ₹25, despite higher dining discounts. The lower fee and superior rewards on your actual spending pattern make it the clear choice.
Side-by-side comparison
EazyDiner IndusInd Bank Signature Credit Card HDFC Diners Club Privilege Credit Card ✓
Annual benefit ₹25 ₹4,640
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes ₹1,000 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 reward points per ₹100 on dining, shopping and entertainment (2%); 4 RP on others (0.8%); main value from 25–50% dining discounts 4 reward points per ₹200 on most spends (about 1% at ₹0.50 a point on SmartBuy flights and hotels); 5X (about 5%) on Swiggy and Zomato, with the extra points capped at 2,500 a month; up to 10X on SmartBuy; no points on fuel; grocery and utility points capped at 2,000 a month each
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (spend-based) 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Frequent diners wanting guaranteed 25–50% off at 2,000+ premium restaurants Entry-level premium card with food delivery rewards, BOGO movies and lounge access at minimal fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹30,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
EazyDiner IndusInd Bank Signature Credit Card
EazyDiner IndusInd excels only if you dine at premium restaurants 15+ times monthly and consistently capture 25, 50% discounts, offsetting its steep fee through dining deals alone.
HDFC Diners Club Privilege Credit Card
HDFC Diners Club Privilege suits most spenders with its lower fee, strong rewards on dining delivery (Swiggy/Zomato), and broad utility across your shopping and travel habits without requiring restaurant loyalty.
Who should get which card
Get EazyDiner IndusInd Bank Signature if you…
· Frequent premium restaurant diner with guaranteed monthly visits
· Willing to leverage 2,000+ partner restaurant discounts consistently
· Dining savings priority over points and other benefits
Get HDFC Diners Club Privilege if you…
· Regular food delivery user (Swiggy, Zomato) for 5% rewards
· Balanced spender across shopping, dining, and travel
· Prefer lower fees (₹1,000) with waiver potential on higher annual spend
Partner offer
Axis ACE Credit Card
Utility bill payments and everyday flat cashback
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Diners Club Privilege Credit Card offers better annual returns for most spend profiles.
EazyDiner IndusInd Bank Signature Credit Card has an annual fee of ₹2,999 + taxes. HDFC Diners Club Privilege Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹3,00,000/year spend).
EazyDiner IndusInd Bank Signature Credit Card offers 10 reward points per ₹100 on dining, shopping and entertainment (2%); 4 RP on others (0.8%); main value from 25–50% dining discounts. HDFC Diners Club Privilege Credit Card offers 4 reward points per ₹200 on most spends (about 1% at ₹0.50 a point on SmartBuy flights and hotels); 5X (about 5%) on Swiggy and Zomato, with the extra points capped at 2,500 a month; up to 10X on SmartBuy; no points on fuel; grocery and utility points capped at 2,000 a month each.
EazyDiner IndusInd Bank Signature Credit Card lounge access: 2 domestic visits/quarter (spend-based). HDFC Diners Club Privilege Credit Card lounge access: 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026).
EazyDiner IndusInd Bank Signature Credit Card charges 3.5% forex markup. HDFC Diners Club Privilege Credit Card charges 3.5% forex markup.