₹0-Fee RuPay Card: Are You Getting Your Dining Rewards?

IndusInd Bank and EazyDiner launched a lifetime-free RuPay credit card that works on UPI and gives dining discounts. Zero annual fee means zero cost to hold it — but is it worth your wallet slot?

Here's what happened: IndusInd Bank and dining platform EazyDiner launched a lifetime-free RuPay Platinum credit card with no joining or annual fee ever.. The card supports UPI payments, letting holders pay via QR code scan on credit — a feature enabled by NPCI's credit-on-UPI framework for RuPay cards.. Key benefits are focused on dining discounts through EazyDiner's partner restaurant network, plus entertainment perks — targeting urban food and lifestyle spenders..

What you should do: Check if your city's restaurants are covered under EazyDiner's partner list before applying — benefits are meaningless if no outlets near you qualify.. Compare this card's dining discount value against your existing card's reward rate on restaurant spends — a paid card with 5% cashback may still beat a free card with flat discounts.. Enable credit-on-UPI in your payments app after card activation — without this step, you miss the UPI reward-earning feature entirely..

RuPay credit cards on UPI earn credit card rewards even on QR-code merchant payments — something Visa and Mastercard cards still cannot do on UPI in India.