IndusInd Eazy Diner Platinum Credit Card v. HDFC Regalia Gold Credit Card

In today's blog we will give you the information about IndusInd Eazy Diner Platinum Credit Card and HDFC Regalia Gold Credit Card based on their dining out rewards, cashback rate, and more.

This is a lifetime-free credit card designed especially for food lovers. It offers exclusive dining discounts of up to 50% at top restaurants through the EazyDiner app and an additional 20% off via PayEazy. In addition to dining rewards, users also earn reward points on their everyday spending. It’s ideal for those who frequently dine out and want high-value savings without paying an annual fee.

The Regalia Gold also offers decent dining benefits. Through the Swiggy Dineout Good Food Trail program, cardholders can enjoy up to 20% discount at more than 20,000 partner restaurants nationwide. Though the discounts aren’t as high as the EazyDiner card, Regalia Gold combines dining rewards with broader lifestyle perks, making it a suitable option for those who dine out often and also want travel and shopping benefits.

What Are The Welcome Benefits Of Having IndusInd Eazy Diner Platinum Credit Card And HDFC Regalia Gold Credit Card?

Welcome Benefits Of IndusInd Eazy Diner Platinum Credit Card:

Welcome Benefit: Users will enjoy a three-month EazyDiner Prime membership, which gets them guaranteed 25% off and up to 50% off on affiliated restaurants. 500 free EazyPoints.

Welcome Benefits Of HDFC Regalia Gold Credit Card:

Welcome Benefits: Users will get free Club Vistara Silver Tier membership and MMT Black membership if the user spends INR 1 lakh or above within 90 days of purchasing this card.

What Are The Cashback Rates Of IndusInd Eazy Diner Platinum Credit Card And HDFC Regalia Gold Credit Card?

Cashback Rates Of IndusInd Eazy Diner Platinum Credit Card:

• Get 2 points on spending INR 100 except on fuel, insurance, rent, utility and government. Value of 1 point = INR 0.20. General cashback rate: 0.4%. 

• Get 0.7 reward points on insurance, rent, utility and government spends. Special cashback rate: 0.14%.

Cashback Rates Of  HDFC Regalia Gold Credit Card:

• 4 reward points per INR 150 spent on retail purchases. Value of 1 reward point = INR 0.25. Cashback rate = 0.67%. 

• 5X reward points on select merchants like Myntra, Nykaa, Reliance Digital, and M&S. Effective special cashback rate: 3.33%

What Are The Pros And Cons Of IndusInd Eazy Diner Platinum Credit Card And HDFC Regalia Gold Credit Card?

The Pros And Cons Of IndusInd Eazy Diner Platinum Credit Card:

Pros:

• Lifetime free (no joining or annual fee) — ideal for cost-conscious diners 

• 25–50% guaranteed discount at 2,000+ premium restaurants via EazyDiner Prime, plus an extra 20% off up to INR 500, 3x per month via PayEazy.

• 3‑month complimentary EazyDiner Prime membership on joining, renewable with INR 30k spend/quarter

Cons:

• Limited to the EazyDiner, PayEazy ecosystem, offers apply only when booking and paying via the app

• No other lifestyle benefits — lacks travel perks, airport lounges, concierge, etc. 

• Low base reward rate — 2 points/INR 100 (0.4%), only 0.7 points/INR 100 on utilities, insurance, rent, gov. 

• Monthly discount cap — now capped at INR 2,000 per month, with conditional access based on non-dining spend

The Pros And Cons Of  HDFC Regalia Gold Credit Card:

Pros:

• Good dining discounts: Enjoy up to 20% off at 20,000+

  restaurants through HDFC’s Swiggy Dineout Good Food Trail, plus an extra 5% off (INR 200 cap) twice a month 

• Milestone benefits: Quarterly INR 1,500 vouchers for INR 1.5 Lakh spend; yearly INR 5,000 flight vouchers at INR 5 L & INR 7.5 L annual spends 

• Complimentary lounge access: 12 domestic lounge visits per year + 6 international Priority Pass visits (shared with add-on) with no spend conditions 

• Insurance coverage: Air accident cover (INR 1 Cr), overseas hospitalization (INR 15 L), and credit liability cover (INR 9 L) included.

Cons:

• Annual fee INR 2,500+GST (waived only on INR 4 Lakh annual spend) 

• Conditional lounge access

• Complex redemption structure: Various caps and reduced point value (~INR 0.20 for cashback), making it less straightforward.

Fees And Charges Of IndusInd Eazy Diner Platinum Credit Card And HDFC Regalia Gold Credit Card:

Fees And Charges Of IndusInd Eazy Diner Platinum Credit Card:

• Joining Fee: INR 0

• Annual Fee: INR 0

• Cash Withdrawal Fee (ATM): Cash Advance fees: 2.5% or Rs. 500

• Late Payment Charges: Late Payment Fee: Between INR 100 and INR 130,0 depending on the amount unpaid.

• Interest Rate (on unpaid amount): Interest Rate:3.3% per month and 46% per annum.

  
  

Fees And Charges Of HDFC Regalia Gold Credit Card:

• Joining Fee: Rs 2500 plus taxes

• Annual Fee: Rs 2500 plus taxes

• Cash Withdrawal Fee (ATM): Cash Advance fees: 2.5% or Rs. 500

• Late Payment Charges: Late Payment Charges: Ranges from INR 100 to INR 1300.

• Interest Rate (on unpaid amount): Interest Rate: 3.6% per month (i.e., 43.2% per annum).

Eligibility Of IndusInd Eazy Diner Platinum Credit Card And HDFC Regalia Gold Credit Card:

For IndusInd Eazy Diner Platinum Credit Card:

• Age: 18-65 years

• Occupation: Salaried or self-employed

• Citizenship: Indian

For HDFC Regalia Gold Credit Card:

• You must be an Indian citizen.

• You must be 21-60 years of age if you are salaried, and 21-65 years of age if

• You are self-employed.

• Your net monthly income must be greater than Rs. 1,00,000 if you are salaried, and your ITR must be greater than Rs. 12 lakhs per annum if you are self-employed.

Conclusion:

The IndusInd EazyDiner Platinum Credit Card is designed exclusively for dining lovers, offering guaranteed 25% to 50% discounts at top restaurants when booked through the EazyDiner app, along with an additional 20% off (up to INR 500) when paying via PayEazy. It also includes a complimentary 3-month EazyDiner Prime membership, renewable with moderate spending. With no joining or annual fee, this card provides exceptional value for regular diners who can consistently use the EazyDiner and PayEazy platforms.

The HDFC Regalia Gold Credit Card offers a well-rounded dining experience through the Swiggy Dineout Good Food Trail program, providing up to 20% off at over 20,000 restaurants across India. It adds value by offering reward points on dining spends, which can later be redeemed for various travel and shopping benefits. The card also includes milestone vouchers and Swiggy One membership, which further enhance its appeal for casual and frequent diners.

If your goal is maximum savings on every restaurant visit, the IndusInd EazyDiner Platinum is a best because of their higher discount rates, zero fees, and dining-first features. On the other hand, the HDFC Regalia Gold is better suited for those who dine out occasionally but also want travel and lifestyle benefits, even if it means slightly lower dining discounts.

If you want to know the unbiased AI score of the IndusInd Eazy Diner Platinum Credit Card and read its detailed review, click here

If you want to know the unbiased AI score of the HDFC Regalia Gold Credit Card and read its detailed review, click here

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