Card Details
IndusInd Bank Jio-bp Mobility+ Credit Card
Monzy Score
6/ 10
Decent for high fuel spenders.
Lifetime free, so no fee to earn back; ~3.0% back on top spends; thin rewards outside its core category.
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 spends
5 Smiles/₹100
on Dining spends
2 Smiles/₹100
on grocery & supermarket 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
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 ROIWhat Users Are Saying
Community Feed
Jul 2026
“Feedback requested for `IndusInd Bank Jio-bp Mobility+”
by r/IndianCreditCards, Jul 2026
“Suggest a Credit card for Jio-bp fuel”
by r/CreditCardsIndia, Aug 2025
“Applications are now open for Jio-BP Indusind Credit Card”
by r/CreditCardsIndia, Mar 2026
“Fuel cards..”
by r/CreditCardsIndia, Oct 2025
“Best cards for fuel”
by r/CreditCardsIndia, Feb 2026
Frequently Asked Questions
You pay ₹499 plus GST once as a joining fee, and there is no renewal fee after that. So the card costs you nothing to keep from year two onward, and the only real question is whether the rewards are still worth the swipe. Watch the caps and the excluded categories instead of the fee.
Things 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
