IndusInd Pinnacle World Vs EazyDiner Signature Credit Card

If you are in search of a credit card that provides a variety of lifestyle perks along with an excellent rewards program, IndusInd Bank’s Pinnacle World Credit Card and EazyDiner Credit Card are excellent choices. Although the cards vary in their fee structures, they offer impressive rewards for expenditures and several other benefits.

Now the bank may have extended you an offer to avail the Pinnacle World Credit Card as a lifetime free card, and that may have got you thinking if it is actually better than the IndusInd EazyDiner Credit Card that comes with a reasonable fee of ₹2,999 +GST. The answer totally depends on your needs and everything you are looking for in a credit card. Keep reading to find the key differences between the two cards.

Joining Fee and Welcome Bonus

Since the Pinnacle World Credit Card is a premium offering by IndusInd Bank, it has a high joining fee of ₹14,999 + GST. However, no renewal fee is charged to the customer for holding the card. Cardholders can choose from the many brand vouchers offered as a welcome benefit with the card.

The IndusInd EazyDiner Signature Credit Card is an entry-level offering by the bank and has an annual fee of ₹2,999 + GST. The card offers 2,000 bonus reward points as a welcome bonus and other benefits like a complimentary Eazy Diner Prime membership for a year, worth ₹2,495, and a Postcard Hotels stay voucher worth ₹7,500.

Particulars	IndusInd Pinnacle World Credit Card	IndusInd EazyDiner Credit Card
Joining Fee	₹14,999 + GST	₹2,999 + GST
Renewal Fee	N/A	₹2,999 + GST
Welcome Benefits	Choose any one of the following options: Get a complimentary stay gift voucher at Postcard, India A complimentary shopping voucher from exclusive partners A Luxe gift card that is worth ₹ 5,000	2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth ₹7,500

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Reward Points Accrual

Both IndusInd credit cards have great reward programs. The IndusInd Pinnacle World Credit Card allows users to earn rewards in the following merchant categories.

• 2.5 Reward Points for every ₹100 you spend on E-commerce transactions.
• 1.5 Reward Points per ₹100 spends on travel-related E-commerce and airline transactions.
• 1 Reward Point for ₹100 you spend on all other purchases.

However, no reward points shall be awarded for fuel transactions.

For IndusInd EazyDiner credit card cardholders, they earn in the following categories:

• Get 10 Reward Points/₹100 spent on hotels, travel, entertainment, and shopping.
• Get 4 Reward Points/₹100 on all other eligible retail spend.

Particulars	IndusInd Pinnacle World Credit Card	IndusInd EazyDiner Credit Card
Reward Earning Rate	2.5 Reward Points for every ₹100 you spend on E-commerce transactions. 1.5 Reward Points per ₹100 spends on travel-related E-commerce and airline transactions. 1 Reward Point for every ₹100 you spend on all other purchases.	You get 10 Reward Points/₹100 spent on hotels, travel, entertainment, and shopping. You get 4 Reward Points/₹100 on all other eligible retail spend.

Reward Redemption

For the IndusInd Pinnacle World Credit Card, cardholders can redeem the accumulated reward points against several options available at Indusmoments. The reward points can be credited as cash, with a value of 1 RP = ₹0.75. They can also be transferred to Krisflyer Miles, where 2 RP = 1 Krisflyer Mile.

The reward points accumulated with the EazyDiner Signature IndusInd Bank Credit Card are redeemable against dining-related spending on the EazyDiner app for instant discounts on restaurant bills and hotel stays, meals & exclusive restaurant events across the country.

Particulars	IndusInd Pinnacle World Credit Card	IndusInd EazyDiner Credit Card
Reward Redemption	Cash Credit for 1 RP = ₹0.75 Krisflyer Miles 2 RP = 1 Krisflyer Mile	Instant Discount on Restaurant Bills Redeem EazyPoints for Hotel Stays, Meals & Exclusive Restaurant Events

Other Lifestyle Perks

These cards come with other lifestyle perks, which makes them even worth having. Take a look at the table below.

Particulars	IndusInd Pinnacle World Credit Card	IndusInd EazyDiner Credit Card
Movie & Dining	BOGO On Movies With Up to 3 Complimentary Movie Tickets Every Month	50% Discount on Dining via EazyDiner
Domestic Lounge Access	1 Complimentary Domestic Lounge Visit Every Quarter	N/A
International Lounge Access	1 Complimentary International Lounge Visit Every Quarter	N/A
Golf	1 Complimentary Golf Lesson and 1 Golf Game Every Month	N/A

Bottom Line

Clearly, both these cards are for different audiences and various consumer needs, but if there is to be a comparison drawn between the two, it has to be based on the value of additional perks that come with the cards. For instance, the IndusInd Pinnacle World Credit Card, which comes at a joining fee of ₹14,999 + GST, is often offered as a lifetime free card to the customers of the bank, depending upon their relationship with the bank. In that case, no welcome benefits are offered, and only the additional lifestyle perks play an important role.

Ultimately, if you are looking for a specific dining card and want to avail yourself of benefits like discounts on restaurant bills, and hotel stay vouchers. In that case, the IndusInd EazyDiner Credit Card can be your best friend. However, if you are looking for travel perks and a variety of options to utilize the points you have collected, the IndusInd Pinnacle World Credit Card is the right fit for you.

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