Card Details
IndusInd Bank Jio-bp Mobility+ Credit Card
Card Issuer
IndusInd Bank
Joining Fee
₹499
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Offers from IndusInd Bank
See allEarn Points
12 Smiles/₹100
On jio-bp fuel, lubes, wildbean cafe, ev charging & store (max 1,200 smiles per statement cycle)
5 Smiles/₹100
On dining spends
5 Smiles/₹100
On supermarket & grocery spends
2 Smiles/₹100
On all other spends
Benefits
12 Smiles/₹100 across Jio-bp outlets
- Accelerated Smiles on the full Jio-bp ecosystem
- Earn 12 Smiles per ₹100 on Jio-bp fuel, lubes, cafe and store spends
- Reward structure remains the same even when the RuPay card is linked to UPI apps
- CardInsider reports a 1,200 Smiles per statement cap on Jio-bp earnings
₹499 joining fee with easy waiver
- Low upfront cost that can be waived quickly
- ₹499 + GST joining fee with spend-based waiver
- No annual fee from the second year onward
- CardInsider mentions a 30-day waiver window; confirm timeline with the bank
Joining fee conditional on spend in 90 days
400 bonus Smiles on first Jio-bp fuel…
2,000 bonus Smiles at ₹1 lakh and again at the…
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, wallet, government, insurance
Estimated Returns
Jio-bp fuel, convenience store & wildbean cafe
12 Smiles per Rs 100 (3%) at Jio-bp Mobility Stations, capped 1,200 Smiles/month (Rs 300 value at Rs 0.25/Smile). Plus 1% fuel surcharge waiver = up to 4%.
₹300
Supermarket, dining & grocery
5 Smiles per Rs 100 (1.25%).
₹250
All other spends
2 Smiles per Rs 100 (0.5%). Smiles redeemable only at Jio-bp.
₹0
Total Annual Return
₹6,600
1.83% Effective ROIThings to Keep in Mind
Accelerated Smiles apply only at participating Jio-bp outlets listed by IndusInd Bank
Fuel on non Jio-bp stations, insurance, government, utility and rent transactions do not earn Smiles
CardInsider cites a ₹10,000 spend within 30 days for the joining-fee waiver whereas IndusInd states 90 days
