IndusInd Bank EazyDiner vs SBI Card ELITE
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
IndusInd Bank EazyDiner and SBI Card ELITE differ first on recurring cost: IndusInd Bank EazyDiner has an annual fee of ₹2,999 + GST against ₹4,999 + GST for SBI Card ELITE, so IndusInd Bank EazyDiner is cheaper to hold. On rewards, IndusInd Bank EazyDiner earns 10 Reward Points per ₹100 on hotel and travel bookings, shopping and entertainment (issuer values a Reward Point at ₹0.10) while SBI Card ELITE earns 2 Reward Points per ₹100 on eligible spends. SBI Card ELITE has the lower forex markup at 1.99%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
| Feature | IndusInd Bank EazyDiner | SBI Card ELITE |
|---|---|---|
| Issuer | IndusInd Bank | SBI Card |
| Joining fee | ₹2,999 + GST | ₹4,999 + GST |
| Annual fee | ₹2,999 + GST | ₹4,999 + GST |
| Fee waiver | No waiver recorded | ₹10,00,000 annual eligible spend |
| Base rewards | 10 Reward Points per ₹100 on hotel and travel bookings, shopping and entertainment (issuer values a Reward Point at ₹0.10) | 2 Reward Points per ₹100 on eligible spends |
| Accelerated routes | 10 Reward Points per ₹100 on hotel and travel booking, shopping and entertainment | 10 Reward Points per ₹100; 10,000 accelerated-point monthly cap, then 2 points per ₹100 |
| Reward exclusions | fuel | balance transfer, balance transfer emi, flexipay, cash advance, easy money, encash, dial a draft, atm withdrawal, fees, fuel, rent, wallet load, government |
| Forex markup | 3.5% | 1.99% |
| Domestic lounge | 2/quarter (spend condition may apply) | 8 complimentary visits per year, maximum 2 per quarter |
| International lounge | none | 6 complimentary Priority Pass visits outside India per calendar year, maximum 2 per quarter; paid thereafter |
| Card networks | Visa | Visa, Mastercard |
| Best suited to | dining, foodies, restaurant deals | movies, dining, low forex |
| Issuer evidence | Checked 2026-08-04 | Checked 2026-07-30 |
Frequently asked questions
Is the IndusInd Bank EazyDiner better than the SBI Card ELITE?
Neither is universally better. IndusInd Bank EazyDiner charges ₹2,999 + GST a year and earns 10 Reward Points per ₹100 on hotel and travel bookings, shopping and entertainment (issuer values a Reward Point at ₹0.10); SBI Card ELITE charges ₹4,999 + GST and earns 2 Reward Points per ₹100 on eligible spends. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, IndusInd Bank EazyDiner or SBI Card ELITE?
IndusInd Bank EazyDiner has the lower recorded annual fee at ₹2,999 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, IndusInd Bank EazyDiner or SBI Card ELITE?
SBI Card ELITE publishes the lower forex markup at 1.99% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.