IndusInd Bank Jio-bp Mobility+ Credit Card
The IndusInd Bank Jio-bp Mobility+ is a focused fuel and mobility co-brand with Reliance's Jio-bp network, built for drivers who fill up at Jio-bp. At Jio-bp outlets it earns 12 Smiles per ₹100 (worth ~3% at ₹0.25 a Smile) on petrol, diesel, Castrol lubes, wildbean cafe and the convenience store, plus a 1% fuel surcharge waiver at Jio-bp — about 4% back in total — capped at 1,200 Smiles a statement cycle (roughly ₹10,000 of Jio-bp spend a month). Away from the pump there is a second tier most write-ups miss: dining, supermarket and grocery spends earn 5 Smiles per ₹100 (~1.25%). Everything else, including RuPay UPI spends, earns a flat 2 Smiles per ₹100. It is a RuPay card, so it links to UPI. The ₹499 + GST joining fee is waived on ₹10,000 of spend within the first 90 days and the renewal fee is nil, so for an active user it is effectively free to hold. Welcome perks are 400 Smiles on the first Jio-bp transaction and a ₹200 wildbean cafe coupon, and there is a 24x7 roadside-assistance helpline in six cities. Milestones add up to 4,000 Smiles a year plus 200 Smiles a cycle on Jio-bp spend.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹300 in vouchers, points or cashback on card activation
3% on Fuel
12 Smiles/₹100 (~3% at ₹0.25/Smile) at participating Jio-bp outlets — fuel, Castrol lubes, wildbean cafe, store, and Jio-bp Pulse EV charging — capped 1,200 Smiles/statement cycle, plus a 1% fuel surcharge waiver only at Jio-bp (~4% total)
1.25% on Dining
5 Smiles per ₹100 (~1.25% at ₹0.25/Smile) on dining, from IndusInd's own earn table. Ungated — this tier is not tied to the Jio-bp network the way the 12-Smiles fuel rate is.
Annual Fee Waiver
Fee of ₹0 + 18% GST (₹0 all-in)/yr fully waived when you spend ₹10,000/year
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | reward points | 3% | ₹300 |
| Dining | reward points | 1.25% | — |
| Groceries | reward points | 1.25% | — |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.95% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,800/yr in total.
fuel waiver ~ ₹1,200 /yr
1% fuel surcharge waiver at Jio-bp outlets only — IndusInd states there is no waiver at non-Jio-bp stations. Band and cap are DERIVED, not published for this card; the 5-May-2024 notice does not name it, so it falls to the Other Cards row of ₹500 to ₹3,000 per transaction, ₹100 a cycle.
milestone bonus ~ ₹500 /yr
2,000 bonus Smiles on the first ₹1 lakh of spend in a card anniversary year (IndusInd annual milestone 1)
milestone bonus ~ ₹500 /yr
A further 2,000 bonus Smiles on the NEXT ₹1 lakh of spend, i.e. at ₹2 lakh in a card anniversary year (IndusInd annual milestone 2). Encoded INCREMENTALLY because the engine sums milestone rows, so ₹2 lakh of spend earns 4,000 Smiles in total across both rows.
milestone bonus ~ ₹600 /yr
200 Smiles for ₹4,000 or more of spend in a statement cycle, and only on the Jio-bp ecosystem. ANNUALISED here — ₹48,000 is the annual equivalent of ₹4,000 a cycle, and the threshold must be met with Jio-bp-ecosystem spend, not total spend, so a general spender will not earn this.
Milestone ladder
- 1₹1,00,000 a year₹500 of value
- 2₹2,00,000 a year₹500 of value
Should you get it?
Best for: Drivers whose regular fuel station is a Jio-bp outlet, Commuters spending up to ~₹10,000 a month on Jio-bp fuel, RuPay-UPI users who want a fuel-focused card in their wallet
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Fuel ( 3% back).
✓ Pros
- About 4% back at Jio-bp (12 Smiles/₹100 plus 1% surcharge waiver), Jio-bp Pulse EV charging included
- 5 Smiles per ₹100 (~1.25%) on dining, supermarket and grocery spends, with no merchant tie-in
- Milestones worth up to 4,000 Smiles a year, plus 200 Smiles a cycle on ₹4,000 of Jio-bp spend
- Nil renewal fee, and the joining fee is waived on ₹10,000 spend in 90 days
- RuPay UPI-linked for everyday scan-and-pay
- Welcome 400 Smiles and a ₹200 wildbean cafe coupon
- 24x7 roadside assistance — repair, towing and emergency help — in Delhi, Mumbai, Kolkata, Pune, Chennai and Bangalore
✕ Cons
- The 12-Smiles rate and 1% surcharge waiver apply only at participating Jio-bp outlets — not at other fuel stations
- Jio-bp earning is capped at 1,200 Smiles a statement cycle (~₹10,000 of Jio-bp spend), and Jio-bp Pulse EV charging shares that same cap
- Outside dining, supermarket and grocery (5 Smiles per ₹100), everything else earns a flat 2 Smiles per ₹100
- Rent, insurance, government, utility payments and fuel bought at non-Jio-bp stations earn nothing at all
- Smiles redeem at roughly ₹0.25 each on our own estimate — IndusInd publishes no rupee value for a Smile
- Redemption is at the pump; IndusInd publishes no statement-credit or online-catalogue route for Smiles
- Roadside assistance covers only six cities — Delhi, Mumbai, Kolkata, Pune, Chennai and Bangalore
- ₹499 + GST joining fee unless you spend ₹10,000 within the first 90 days
- From 15 June 2026 IndusInd charges 1% + GST on fuel spends above ₹30,000 a statement cycle, a 2% + GST dynamic-currency-conversion fee when an overseas merchant bills you in rupees (on top of the 3.5% forex markup, not instead of it), and 1% + GST on transport spends above ₹40,000 a cycle
Eligibility & documents
Age
21 –65 years
Min. income
₹25,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem Smiles at a Jio-bp outlet — quote your registered mobile number, apply your Smiles to the bill and pay any remaining amount
🎁 wildbean cafe and Jio-bp partner offers
What your IndusInd Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit / catalogue BEST Above-average base value
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The headline value is locked to Jio-bp outlets — fill up anywhere else and you earn just 2 Smiles per ₹100, the fuel rate is capped at 1,200 Smiles a cycle, and Smiles are worth only ~₹0.25, a rate IndusInd itself does not publish.
The bottom line
Delivering an effective return of around 4% (combining 3% in Smiles with a 1% surcharge waiver) at branded outlets, zero recurring annual fees, and UPI support over RuPay, the Jio-bp Mobility+ serves regular Jio-bp patrons well. That said, rewards cannot be converted outside Jio-bp forecourts, competing fuel bunks receive neither waivers nor elevated earnings, and categories like utilities, rent, and insurance are entirely excluded. It functions well as a low-overhead card for loyal Jio-bp motorists, but holds little appeal beyond that specific ecosystem.
Sources & verification
Fees, reward rates, and benefits for the IndusInd Bank Jio-bp Mobility+ Credit Card are taken from IndusInd Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 5 changes · last change Jun 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 3 cuts
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
Dynamic Currency Conversion fee doubled 1% → 2%
1% + taxes → 2% + GST
From 15 June 2026 the Dynamic Currency Conversion mark-up — levied when an international transaction, or one at an India-based merchant registered overseas, is billed in rupees rather than the local currency — doubled from 1% to 2% + GST on this card. Premium variants were held at 1%. Marginal on a domestic fuel card, and avoidable: always choose to be billed in the merchant's local currency.
Verification: IndusInd Bank ↗ · Confidence: High
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
Fuel fee threshold cut ₹50,000 → ₹30,000 — on a fuel card
1% + GST above ₹50,000/cycle → 1% + GST above ₹30,000/cycle
From 15 June 2026 IndusInd charges 1% + GST on cumulative fuel spends above ₹30,000 in a statement cycle — down from ₹50,000 — and it placed its own fuel co-brand in the lower tier rather than the ₹50,000 premium tier. That is pointed on a card sold for fuel: a household filling up more than ₹30,000 a cycle at Jio-bp now pays 1% + GST on the excess, on top of an accelerated earn rate that already stops at 1,200 Smiles (~₹10,000 of Jio-bp spend) a cycle. The fee is separate from the card's 1% fuel surcharge waiver.
Verification: IndusInd Bank ↗ · Confidence: High
▼ Fee Observed 13 May 2026 · Effective 15 Jun 2026
New 1% fee on transport spends above ₹40,000 a cycle
No transport fee → 1% + GST above ₹40,000/cycle
From 15 June 2026 IndusInd levies 1% + GST on cumulative transport spends above ₹40,000 in a statement cycle — MCCs 4111, 4112, 4131 and 4784, covering cabs, rail, bus and tolls. Air travel is excluded. Only Pioneer Private, Pioneer Heritage and Indus Solitaire are exempt, so this card is in scope — worth noting on a mobility-branded product, though tolls and cabs sit outside the Jio-bp earning ecosystem anyway.
Verification: IndusInd Bank ↗ · Confidence: High
2025 2 changes — 1 cut, 1 neutral
▼ Benefit Effective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card → No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
◆ Launch Effective 10 Dec 2025
IndusInd Bank Jio-bp Mobility+ launched
IndusInd Bank's first fuel card and Jio-bp's first co-brand, announced jointly in Mumbai on 10 December 2025. On RuPay with UPI linkage, it earns 12 Smiles per ₹100 across the Jio-bp ecosystem (petrol, diesel, Castrol lubricants, Wildbean Cafe and the convenience store) at 2,050+ mobility stations, capped at 1,200 Smiles a statement cycle, plus a 1% fuel surcharge waiver — about 4% back on Jio-bp fuel. Extras at launch: 400 bonus Smiles on the first Jio-bp transaction, a ₹200 Wildbean Cafe voucher, 200 Smiles a cycle on ₹4,000+ of Jio-bp spend, and 24x7 roadside assistance. Joining fee ₹499 + GST, waived on ₹10,000 of spend in the first 90 days; nil renewal fee.
Verification: Jio-bp ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: IndusInd Bank Jio-bp Mobility+ Credit Card value timeline — CardAdvisor
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Source: IndusInd Bank Jio-bp Mobility+ Credit Card value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Mid credit card
Reward rate 0.5%–3%
Best for Drivers whose regular fuel station is a Jio-bp outlet
Joining fee ₹499
Annual fee Free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
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