IndusInd Bank
IndusInd Bank Jio-bp Mobility+ Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200
Product Highlights
- Affordable fuel credit card
- Joining fee waived on spending ₹10,000 in the first 30 days
Category Rewards
dining
Dining / Groceries / Supermarket
1.25X
grocery
Dining / Groceries / Supermarket
1.25X
Specialty
Dining / Groceries / Supermarket
1.25X
Fee Waiver
Waived on spends of ₹10,000 or more in the first 30 days
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
jiobp
Jio-bp Stations (12 Smiles per ₹100 + 1% fuel surcharge waiver)
Reward Calculator
Earns ₹1,830/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
7.3K
Smiles
₹1.8K
via statement credit · ₹0.25/pt
Effective rate
0.95%
Annual fee
FREE
Year 1 net
+₹1,830
Year 2+ net
+₹1,830
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
Jio-bp Stations (12 Smiles per ₹100 + 1% fuel surcharge waiver)
Headline: 3.00% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 12 Smiles per ₹100 spent at Jio-bp Stations, 5 Smiles per ₹100 spent at Dining, Supermarket & Grocery, and 2 Smiles per ₹100 spent on all other eligible spends.
- 1 Smile = ₹0.25
Benefits & Features
Roadside Assistance Service in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore
Pros & Cons
Pros
- Affordable option for fuel users
- Reward points on UPI transactions
Cons
- Roadside assistance limited to major cities
Additional Info
Roadside assistance available in major cities only
Maximum 1,200 Smiles can be earned in a statement cycle for Jio-bp spends.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on spends of ₹10,000 or more in the first 30 days