From Free Meals to FIR: The Dark Side of Credit Card Loopholes

[TechnoFinoTechnoFino is verified member.]

Recently, the official EazyDiner Twitter handle posted a rather concerning message. They publicly called out two individuals - Himesh Mishra and his friend Vivek - for allegedly gaming their system to repeatedly avail a food discount. Here's the screenshot of the tweet for reference.

What Was the Offer?​

EazyDiner runs an exclusive offer in partnership with IndusInd Bank:

Get ₹3,000 off your total bill twice a year at 100+ premium restaurants.

The offer applies once every six months per card and is limited to specific IndusInd super-premium credit cards such as:

• Pioneer Heritage Credit Card
• Indulge Credit Card
• Crest Credit Card
• Celesta Credit Card
• Club Vistara Explorer Credit Card

So essentially, each eligible cardholder can avail this offer two times a year - once every six months.

How Did This Blow Up?​

It all started when Himesh raised a complaint on Twitter about inconsistent “convenience fees” on the EazyDiner app. He pointed out that sometimes he was charged ₹30, other times ₹190, and he tagged Kapil Chopra, the Founder of EazyDiner, asking for an explanation.

Kapil, being quite active on Twitter, responded. He clarified that the convenience fee was proportional to the discount being applied - the higher the discount, the higher the fee.

But here’s where it got interesting. Upon checking Himesh’s account, EazyDiner discovered that 28 different IndusInd super-premium cards had been used to avail the ₹3,000 discount multiple times - 11 by Himesh and 17 by Vivek.

The Real Issue​

As per EazyDiner’s terms, you’re allowed to use one card to get the discount only once every six months. However, the loophole was this: while you couldn’t reuse the same card, you could use different cards on the same account. There was no restriction on how many different cards one could use, nor any capping on the coupon at the account level.

This capping did exist earlier, around 2022–2023, but was apparently removed in 2024. So technically, they didn’t break the system - but they did exploit a loophole very aggressively.

As per EazyDiner, using 28 different IndusInd super-premium cards is highly unlikely for any individual and likely involved cards that didn’t belong to them. Due to the nature and scale of this activity, EazyDiner reported the matter to the Gurgaon Police for further investigation.

According to some reports, a few people on Twitter claimed that Himesh runs a Telegram channel called “CardsWhiz”, where he and his associates allegedly pay strangers to use their IndusInd super premium credit cards to avail the ₹3,000 discount offer.

While I haven’t personally verified this information, several Twitter users have shared screenshots supporting these claims. And it’s not just about Himesh’s channel - multiple Telegram groups are reportedly involved in similar practices.

A Twitter account named @VIPtrolling even posted a detailed tweet listing several such groups that are allegedly engaged in this kind of credit card “trading.”

Here is the tweet:

My Take:​

Look, let’s be honest - everyone tries to squeeze extra benefits from reward systems. Many of us have, at some point, used loopholes. But if you’re going to bend the rules, be ready to face the consequences and have the guts to admit it.

What irked me most wasn’t even the loophole exploitation - it was how arrogantly these two confronted the Founder on Twitter. Who tags a company’s Founder over a ₹190 convenience fee? Why not just speak to customer care first?

Some people online are upset with EazyDiner for naming Himesh and Vivek, citing “privacy concerns.” Honestly, I don’t know the legal nitty-gritty, but EazyDiner didn’t leak personal information - they just shared names and the behavior observed on their platform. Since a police complaint has been filed, I don’t see any privacy breach here. It’s accountability, not doxxing.

Let’s see how this unfolds, but the bottom line is:
Play smart, not arrogant. And if you exploit a loophole, don’t act surprised when the system bites back.

 

[Dragon_slayer]

This capping did exist earlier, around 2022–2023, but was apparently removed in 2024. So technically, they didn’t break the system - but they did exploit a loophole very aggressively.

I think eazydiner shouldnt have removed this rule, this is on them.

 

[CardTroller]

When you complain on Twitter about something related to a loophole you're exploiting, you're basically signing your own death warrant. This is exactly how credit card benefits keep getting taken away.
The same thing happened with HDFC Bank Platinum Debit Card x Credit Card bill payments. A few people raised complaints about not receiving cashback, rather than waiting a few more days, they made noise, and eventually, the entire benefit got discontinued.

 

[kuchbhikuchbhi is verified member.]

 

[SonyTom]

Using such tricks should not be a way to earn income. Because if you rip off a company for large amounts, if they get back at you, you wont be able to pay back the money and escape.

These tricks should be used to get just some extra profit. And maybe for some entertainment. Thats all. So that you can easily pay back the small change you got in case a situation arises.

There are many in TFC from Buzz to Legends who contact customer care or tag MD/CEO/ CC regarding non-receipt of benefits of loot OR inform them of loopholes. These fools will fall into the pit they dug, plus pull other small fish like us also along with them

 

[msd07]

Very cheap move by eazydiner..
If there is an option to use different person cards in the app, then they cant cry abt it... otherwise they shud block the usage of any other cards and limit the usage based in linked mobile number....

 

[kvndsz512]

tbh if this is the issue they should restrict 1 card per ezdiner acc for this particular offer and not cry... a person can even take multiple addons etc also and use it there are many ways ... and even if they used others card they would have paid to use it.. and further the card holders also would have paid some fees so by doing this they must be getting something in return... i dont find anything wrong ... sometimes my close friends use my cc for some discount say like ezdiner or swiggy dineout.. so whats wrong ? im paying fees for my cc and why should i not use or let someone use the benefits provided ..

 

[moneyMaker]

 

[aam.aadmi]

sometimes my close friends use my cc for some discount say like ezdiner or swiggy dineout.. so whats wrong ? im paying fees for my cc and why should i not use or let someone use the benefits provided ..

Let me throw in my 2¢ here: The CC/DC MITC that you agreed to during card activation clearly states that only you (the cardholder) can use the card, both online & offline. While there's absolutely no violation if you purchase something for your friend using your card (and your user account on merchant site + billing address is your card registered address, shipping address can be your friend's address), allowing your friend to use your card through his user account is technically a violation. Although most card issuers will not have the willingness or manpower to pursue a few such occurrences, being quite content with the transaction fees that they earn, frequent misuse of your card in such manner can result in serious repercussions. Case in point, Husband can't use wife's debit card, says court

 

[Exewhyzee]

My 2 pounds ~ Eazydiner ne ego pe le liya. Issue public karke chi cha ledar karr diya. They could have pursued it legally first in private & then could have broadcasted post their victory. Mostly they aren't gonna get anything from FIR I feel.

 

[PrinceHeart]

My 2 cents - easydiner could had just ban those 2 users citing some company T&Cs and appoints few guys to start checking on some accounts. That could had saved them a lot in the future.

These 2 guys just use the loophole. There shouldnt be any police case, unless easydiner can prove voucher value = cash value, then its a fraud case. I think i have seen in many places where these vouchers have no monetary value and cannot be exchanged for cash value.

Lets all of us see where the ball rolls further.

 

[kvndsz512]

Let me throw in my 2¢ here: The CC/DC MITC that you agreed to during card activation clearly states that only you (the cardholder) can use the card, both online & offline. While there's absolutely no violation if you purchase something for your friend using your card (and your user account on merchant site + billing address is your card registered address, shipping address can be your friend's address), allowing your friend to use your card through his user account is technically a violation. Although most card issuers will not have the willingness or manpower to pursue a few such occurrences, being quite content with the transaction fees that they earn, frequent misuse of your card in such manner can result in serious repercussions. Case in point, Husband can't use wife's debit card, says court

im using on my card on my acc and can order whatever for anyone why will bank have a prob 😛 and they should not have ... and regarding the dc case also just assume if someone is hospitalized and is critical cant sign a cheque, u need to use their dc u wont? u will let them die? 🤣 it was just a logic by sbi and court to scam those ppl xD there can be multiple reasons i just gave an example

regarding the ezdiner thing their system could have been better like zomato neo card offer only works 2 times in a zomato acc and even if u change acc it gives error u need complete diff acc and device

probably same thing with Bigbasket i used indusind dc for 20% discount it doesnt work on same device even after changing accounts

so there are way to safeguard urself ... u need to up ur system and not blame others 😀

 

[aniketkr.sharma]

Recently, the official EazyDiner Twitter handle posted a rather concerning message. They publicly called out two individuals - Himesh Mishra and his friend Vivek - for allegedly gaming their system to repeatedly avail a food discount. Here's the screenshot of the tweet for reference.

View attachment 98695 View attachment 98696

What Was the Offer?​

EazyDiner runs an exclusive offer in partnership with IndusInd Bank:


The offer applies once every six months per card and is limited to specific IndusInd super-premium credit cards such as:

• Pioneer Heritage Credit Card
• Indulge Credit Card
• Crest Credit Card
• Celesta Credit Card
• Club Vistara Explorer Credit Card

So essentially, each eligible cardholder can avail this offer two times a year - once every six months.

How Did This Blow Up?​

It all started when Himesh raised a complaint on Twitter about inconsistent “convenience fees” on the EazyDiner app. He pointed out that sometimes he was charged ₹30, other times ₹190, and he tagged Kapil Chopra, the Founder of EazyDiner, asking for an explanation.

Kapil, being quite active on Twitter, responded. He clarified that the convenience fee was proportional to the discount being applied - the higher the discount, the higher the fee.

But here’s where it got interesting. Upon checking Himesh’s account, EazyDiner discovered that 28 different IndusInd super-premium cards had been used to avail the ₹3,000 discount multiple times - 11 by Himesh and 17 by Vivek.

The Real Issue​

As per EazyDiner’s terms, you’re allowed to use one card to get the discount only once every six months. However, the loophole was this: while you couldn’t reuse the same card, you could use different cards on the same account. There was no restriction on how many different cards one could use, nor any capping on the coupon at the account level.

This capping did exist earlier, around 2022–2023, but was apparently removed in 2024. So technically, they didn’t break the system - but they did exploit a loophole very aggressively.

As per EazyDiner, using 28 different IndusInd super-premium cards is highly unlikely for any individual and likely involved cards that didn’t belong to them. Due to the nature and scale of this activity, EazyDiner reported the matter to the Gurgaon Police for further investigation.

According to some reports, a few people on Twitter claimed that Himesh runs a Telegram channel called “CardsWhiz”, where he and his associates allegedly pay strangers to use their IndusInd super premium credit cards to avail the ₹3,000 discount offer.

While I haven’t personally verified this information, several Twitter users have shared screenshots supporting these claims. And it’s not just about Himesh’s channel - multiple Telegram groups are reportedly involved in similar practices.

A Twitter account named @VIPtrolling even posted a detailed tweet listing several such groups that are allegedly engaged in this kind of credit card “trading.”

Here is the tweet:

My Take:​

Look, let’s be honest - everyone tries to squeeze extra benefits from reward systems. Many of us have, at some point, used loopholes. But if you’re going to bend the rules, be ready to face the consequences and have the guts to admit it.

What irked me most wasn’t even the loophole exploitation - it was how arrogantly these two confronted the Founder on Twitter. Who tags a company’s Founder over a ₹190 convenience fee? Why not just speak to customer care first?

Some people online are upset with EazyDiner for naming Himesh and Vivek, citing “privacy concerns.” Honestly, I don’t know the legal nitty-gritty, but EazyDiner didn’t leak personal information - they just shared names and the behavior observed on their platform. Since a police complaint has been filed, I don’t see any privacy breach here. It’s accountability, not doxxing.

Let’s see how this unfolds, but the bottom line is:
Play smart, not arrogant. And if you exploit a loophole, don’t act surprised when the system bites back.

First issue is with eazy diners is that they don't have code written for handling such scenerio in which on an account why they are offering multiple coupons to be applied?