MyFinCards
IndusInd Bank Jio-bp Mobility+ Credit Card

Joining Fee

₹499

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
IndusInd Bank
Fuel
Rewards
Cashback
Best For: Regular Jio-bp fuel station customers, Frequent drivers seeking fuel rewards, Grocery and dining spenders

IndusInd Bank Jio-bp Mobility+ Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,200 /statement_cycle

Pros

  • Accelerated 12 Smiles per INR 100 on all Jio-bp spends
  • 5 Smiles per INR 100 on dining, supermarket and grocery
  • Monthly and annual milestone bonuses
  • 1% fuel surcharge waiver at Jio-bp stations
  • Roadside assistance included
  • UPI payments supported
  • Joining fee waived on spending INR 10,000 within 90 days

Cons

  • Joining fee of INR 499 + GST applicable if spend threshold not met
  • 3.5% forex markup makes it unsuitable for international use
  • Rewards capped at 1,200 Smiles per statement cycle for Jio-bp spends
  • Roadside assistance limited to 6 cities only
  • No fuel surcharge waiver at non-Jio-bp stations

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Jio-bp Smiles capped at 1,200 per statement cycle

Fuel at non-Jio-bp stations earns zero reward points

Insurance, Government, Utility and Rent spends earn no reward points

Joining fee of INR 499 + GST charged if INR 10,000 not spent within 90 days of setup

Key Benefits & Features

400 Bonus Smiles on first fuel transaction at Jio-bp within 30 days of card setup

Complimentary wildbean cafe coupon worth INR 200 on first transaction within 30 days of card setup

24x7 Roadside Assistance including towing, repair and emergency support in 6 major cities

Credit card enabled on UPI - link and pay via BHIM, PhonePe, Paytm, Google Pay

Notable Exclusions

No reward points on fuel at non-Jio-bp fuel stationsNo reward points on Insurance spendsNo reward points on Government spendsNo reward points on Utility spendsNo reward points on Rent paymentsNo fuel surcharge waiver at non-Jio-bp fuel stations

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About IndusInd Bank Jio-bp Mobility+ Credit Card

The IndusInd Bank Jio-bp Mobility+ Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with Reliance BP Mobility Ltd, designed for frequent drivers and fuel station regulars who want to maximize savings on every transaction. The card operates on a rewards currency called "Smiles," earning 12 Smiles per INR 100 spent at Jio-bp outlets including petrol, diesel, Castrol lubes, wildbean cafe, and Jio-bp convenience stores. Cardholders also earn 5 Smiles on dining, supermarket, and grocery spends, and 2 Smiles on all other eligible purchases. New cardholders receive a welcome bonus of 400 Smiles upon their first Jio-bp fuel transaction within 30 days, along with a complimentary wildbean cafe coupon worth INR 200. Monthly milestones reward 200 Smiles on Jio-bp spends of INR 4,000 or more, while annual milestones offer up to 4,000 Smiles on cumulative spends of INR 2 lakhs. Additional perks include a 1% fuel surcharge waiver at Jio-bp stations, 24x7 roadside assistance in select cities, and UPI compatibility across major payment apps. The card carries a joining fee of INR 499 plus GST, waived if the cardholder spends INR 10,000 within 90 days of card setup.

Expert Review

Our Verdict

Co-branded fuel card with accelerated Smiles on Jio-bp spends, dining, and grocery with milestone bonuses.

Frequently Asked QuestionsAbout IndusInd Bank Jio-bp Mobility+ Credit Card

INTERNATIONALCan I use my IndusInd Bank Jio-bp Mobility+ Credit Card for online purchases from international merchants?
Yes, you can use the IndusInd Bank Jio-bp Mobility+ Credit Card for international transactions. However, note that it comes with a 3.5% Forex Mark-up fee on all foreign currency transactions. Due to this relatively high markup, it is advisable to use it cautiously for international purchases. This card is best suited for domestic fuel and everyday spends rather than international use.
APPLICATIONHow can I apply for the IndusInd Bank Jio-bp Mobility+ Credit Card?
To apply for the IndusInd Bank Jio-bp Mobility+ Credit Card, you can visit the IndusInd Bank website or click the 'Apply Now' button on the card page. The entire application process can be completed online. Simply provide your personal and financial details, choose a card offer, accept the card terms and conditions, and complete a quick Video KYC (VKYC). The process is 100% digital and provides instant approval.
FEESIs there any joining fee or annual fee for the IndusInd Bank Jio-bp Mobility+ Credit Card?
Yes, there is a joining fee of INR 499 + GST applicable for the IndusInd Bank Jio-bp Mobility+ Credit Card. However, this joining fee is waived if you spend INR 10,000 within 90 days of card setup by the Bank. There is no separately listed annual fee for this card. It is advisable to meet the spend threshold within the stipulated period to avoid paying the joining fee.
REWARDSAre there any rewards for non-UPI transactions on the IndusInd Bank Jio-bp Mobility+ Credit Card?
Yes, even for non-UPI transactions, the Smiles reward structure remains the same. You earn 12 Smiles per INR 100 spent on all Jio-bp spends (petrol, diesel, Castrol lubes, wildbean cafe, and Jio-bp convenience store), 5 Smiles per INR 100 on dining, supermarket, and grocery, and 2 Smiles per INR 100 on all other spends. Please note that fuel at non-Jio-bp stations, insurance, government, utility, and rent spends do not earn any reward points.
BENEFITSWhat are the key benefits of the IndusInd Bank Jio-bp Mobility+ Credit Card?
The IndusInd Bank Jio-bp Mobility+ Credit Card offers accelerated reward points on the Jio-bp ecosystem, including 12 Smiles per INR 100 on Jio-bp spends, 5 Smiles on dining, supermarket, and grocery, and 2 Smiles on other spends. Additional benefits include monthly and annual milestone bonuses, 1% fuel surcharge waiver at Jio-bp stations, roadside assistance, UPI payment support, a welcome bonus of 400 Smiles on the first fuel transaction, and a complimentary wildbean cafe coupon worth INR 200.
USAGEHow do I redeem my Smiles at Jio-bp fuel stations?
Redeeming your Smiles at Jio-bp fuel stations is a simple 4-step process. Step 1: Quote your registered mobile number at the Jio-bp outlet. Step 2: Enter how many Smiles you want to redeem. Step 3: Verify with an OTP sent to your registered mobile number. Step 4: Pay the remaining amount, if any. Smiles can only be redeemed at participating Jio-bp outlets. Ensure your mobile number is registered with your credit card account.
REWARDSWhat are the milestone benefits available on the IndusInd Bank Jio-bp Mobility+ Credit Card?
The card offers both monthly and annual milestone benefits. For the monthly milestone, earn 200 Smiles on spends of INR 4,000 or more on the Jio-bp ecosystem in a statement cycle. For annual milestones, earn 2,000 Smiles on spending INR 1,00,000 in a card anniversary year, and an additional 2,000 Smiles on the next INR 1,00,000 spent in the same anniversary year, totalling up to 4,000 bonus Smiles annually on reaching INR 2,00,000 in annual spends.
BENEFITSIs roadside assistance available across all cities in India?
No, the roadside assistance service offered with the IndusInd Bank Jio-bp Mobility+ Credit Card is currently limited to 6 major cities: Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore. The service includes a 24x7 toll-free helpline (18005713981), roadside repair, vehicle towing, and emergency assistance. If you reside or travel outside these cities, this benefit may not be available to you.
USAGEHow do I link my IndusInd Bank Jio-bp Mobility+ Credit Card to UPI for payments?
To link your card to UPI, open any supported UPI app such as BHIM, PhonePe, Paytm, or Google Pay. Select the 'Add Credit Card' or 'Link Credit Card' option, choose IndusInd Bank as the issuer, and select your Jio-bp Mobility+ Credit Card. Proceed to generate a UPI PIN by entering the last 6 digits and expiry date of your card, verify with an OTP sent to your registered mobile number, and set a PIN of your choice. You can then use it to scan QR codes or pay via UPI ID.
REWARDSIs there a cap on the Smiles I can earn on Jio-bp spends?
Yes, there is a capping of 1,200 Smiles per statement cycle for reward points earned specifically on Jio-bp spends. This means that even if your total Jio-bp spending in a month would otherwise earn more than 1,200 Smiles, your earnings from Jio-bp transactions will be limited to 1,200 Smiles per cycle. There is no mention of a cap on Smiles earned from dining, supermarket, grocery, or other eligible categories.
BENEFITSIs there a fuel surcharge waiver at non-Jio-bp fuel stations?
No, the 1% fuel surcharge waiver offered on the IndusInd Bank Jio-bp Mobility+ Credit Card is applicable only at Jio-bp fuel stations across India. There is no fuel surcharge waiver at non-Jio-bp fuel stations. Additionally, fuel purchases at non-Jio-bp stations do not earn any reward points either. This card is specifically designed to maximize savings and rewards when used within the Jio-bp ecosystem.
BENEFITSWhat is the welcome benefit for new IndusInd Bank Jio-bp Mobility+ Credit Card holders?
New cardholders receive two welcome benefits. First, you earn 400 Bonus Smiles by making your first fuel transaction at any Jio-bp station within 30 days of your credit card setup by the Bank. Second, you receive a complimentary wildbean cafe coupon worth INR 200 on your first transaction at a wildbean cafe within 30 days of card setup. These activation benefits are a great way to get started with the card's rewards ecosystem.
REWARDSWhich spends are excluded from earning reward points on this card?
Certain spend categories are excluded from earning Smiles on the IndusInd Bank Jio-bp Mobility+ Credit Card. These include fuel purchases at non-Jio-bp fuel stations, insurance payments, government payments, utility bill payments, and rent payments. These exclusions are important to keep in mind when planning your card usage. All other eligible spends such as Jio-bp transactions, dining, supermarket, and grocery purchases will continue to earn Smiles as per the defined reward structure.
OTHERWho issues the IndusInd Bank Jio-bp Mobility+ Credit Card and is there any partnership involved?
The IndusInd Bank Jio-bp Mobility+ Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with Reliance BP Mobility Ltd, widely known as Jio-bp. There is a revenue-sharing arrangement between IndusInd Bank and Reliance BP Mobility Ltd for this co-branded credit card. This partnership enables the card to offer exclusive rewards and benefits within the Jio-bp ecosystem, including accelerated Smiles on fuel, convenience store, and wildbean cafe spends.
INTERNATIONALWhat is the forex markup fee on the IndusInd Bank Jio-bp Mobility+ Credit Card?
The IndusInd Bank Jio-bp Mobility+ Credit Card carries a foreign currency markup fee of 3.5% on all international transactions. This means that for every transaction made in a foreign currency, an additional 3.5% charge will be applied on the transaction amount. Given this relatively high forex markup, the card is not ideally suited for frequent international travelers or those who regularly make purchases from international merchants. It is primarily designed for domestic fuel and everyday spending.

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