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Credit Cards · India

IndusInd Bank Jio-bp Mobility+ Credit Card

Updated 3 Jul 2026Source-linked

The IndusInd Bank Jio-bp Mobility+ Credit Card is a entry co-branded credit card from IndusInd Bank and Jio-bp, with a joining fee of ₹0 + GST.

It earns up to 12 pts per ₹100 (≈2.4% value) on Jio-bp spends in the form of smiles (points).

Welcome benefit: 400 bonus Smiles.

IndusInd Bank logo
IndusInd Bank Jio-bp Mobility+ Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForFuel
  • Reward TypeSmiles (points)
Rewards Rate
  • 12 pts per ₹100 on jio bp fuel
  • Base 0.40% on other spends
Welcome Benefits
  • 400 bonus Smiles
Data verified 3 Jul 2026 — see our methodology
IndusInd Bank logoIndusIndRuPay logoplatinumentryLifetime freeCo-brand · Jio-bp
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Rewards and Benefits

Rewards Rate
12 pts per ₹100 on jio bp fuel
Base 0.40% on other spends.
Reward Redemption
Jio-bp Smiles: Redeem at ₹0.25 per unit.
Welcome Benefits
400 bonus Smiles
Milestone Rewards
  • ₹4,000 / monthly: 200 bonus Smiles on ₹4,000 monthly Jio-bp spend
  • ₹2,00,000 / annual: 4,000 bonus Smiles on ₹2,00,000 annual spend
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Fuel₹96/mo

    You spend ₹4,000 · earns 2.4% = ₹96 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Groceries₹8,000 · 0.4% = ₹32/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹32/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
  • Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹3,360/yr

₹3,360 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.83% per month (46.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • Co-branded entry card by IndusInd Bank and Jio-bp.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹100 welcome benefit

  • 400 bonus Smiles
    First fuel transaction at Jio-bp within 30 days of card setup
    Window: 30 days from issuance.

Accelerated rewards

  • 12 pts per ₹100 on jio bp fuel
    12 Smiles per ₹100 spent at Jio-bp fuel stations.

Exclusions

The following spend categories earn no rewards on this card:

  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹4,000 / monthly: 200 bonus Smiles on ₹4,000 monthly Jio-bp spend (≈ ₹50 value)
  • ₹2,00,000 / annual: 4,000 bonus Smiles on ₹2,00,000 annual spend (≈ ₹1,000 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
Tagsentrypointsfuelco brandjio bp