In-depth review
IndusInd Bank Jio-bp Mobility+ Credit Card
A fuel co-brand tied to Reliance's Jio-bp network: ~4% back at Jio-bp outlets (12 Smiles per ₹100 plus a 1% surcharge waiver), capped at 1,200 Smiles a cycle, on RuPay with UPI. Away from the pump it earns 5 Smiles per ₹100 on dining, supermarket and grocery. Nil renewal fee, joining fee waived on ₹10,000 spend. Worth it mainly if Jio-bp is genuinely your regular pump.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹300 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
12 points/₹100 on Fuel (~3% value)
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.
Milestone Bonus
~₹600 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
⛽ FUEL BENEFITS
Fuel rewards and surcharge waiver details.
Up to 3%
Fuel reward rate
PARTNER FUEL STATIONS
- Up to 3% effective return on fuel purchases
For drivers whose regular fuel station is a Jio-bp outlet and who spend up to about ₹10,000 a month there. If you fill up elsewhere, the fuel accelerator is wasted and a general fuel card fits better.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuelonly at Jio-bp | reward points | 3%12 pts/₹100 × ₹0.25 | ₹300 |
| Dining | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Groceries | reward points | 1.25%5 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
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) · Jio-bp
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.
Groceries: 5 Smiles per ₹100 (~1.25% at ₹0.25/Smile) on supermarket and grocery spends, from IndusInd's own earn table. Ungated — not tied to the Jio-bp network.
Other: 2 Smiles per ₹100 on all other spends including RuPay UPI; excludes rent, non-Jio-bp fuel, insurance, government and utility payments
Earns nothing on: Rent · Government & Tax · Insurance · Utility Bills · Non-Jio-bp fuel
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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.
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.
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.
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.
2,000 bonus Smiles on the first ₹1 lakh of spend in a card anniversary year (IndusInd annual milestone 1)
Milestone ladder
- ₹1,00,000 a year₹500 of value
- ₹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 Dining (1.25% back; 3% only at Jio-bp).
Pros & cons
✓ 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
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.
Above-average base value
Brand & e-gift vouchers
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.
Frequently asked questions
How much do I earn on fuel?
Does the fuel rate work at any petrol pump?
What is the joining fee?
Is it UPI-linked?
What does it earn away from Jio-bp?
What is a Smile worth?
How do I redeem Smiles?
Does the card include roadside assistance?
How has the IndusInd Bank Jio-bp Mobility+ Credit Card changed over time?
Has the IndusInd Bank Jio-bp Mobility+ Credit Card been devalued recently?
When did the IndusInd Bank Jio-bp Mobility+ Credit Card's fees last change?
How did the IndusInd Bank Jio-bp Mobility+ Credit Card change in 2026?
The bottom line
As a merchant-tied fuel card it is a solid ~4% at Jio-bp with a nil renewal fee, which is hard to beat if that is your network. Away from the pump it is better than its reputation — dining, supermarket and grocery spends earn 5 Smiles per ₹100 — but everything else is a flat 2 Smiles, the fuel accelerator is capped at 1,200 Smiles a cycle, and Smiles redeem at about ₹0.25 each. Pick it only if Jio-bp is genuinely your regular pump; if your fuel spend is split across brands, a non-tied fuel card will serve you better.
How this page was built
Counted from this card’s own record: 4 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks.
Last updated 11 Oct 2026.
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 updated 11 Oct 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.
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Guides and reviews related to this card.
IndusInd Bank Jio-bp Mobility+ Credit Card
A fuel co-brand tied to Reliance's Jio-bp network: ~4% back at Jio-bp outlets (12 Smiles per ₹100 plus a 1% surcharge waiver), capped at 1,200 Smiles a cycle, on RuPay with UPI. Away from the pump it earns 5 Smiles per ₹100 on dining, supermarket and grocery. Nil renewal fee, joining fee waived on ₹10,000 spend. Worth it mainly if Jio-bp is genuinely your regular pump.
CRED IndusInd Bank RuPay Credit Card
CRED's mass-market RuPay co-brand (not the invite-only CRED Sovereign) pays a real ~5% — 5 CRED Points per ₹100 — on e-commerce, CRED Pay/Store/Travel and CRED UPI, capped at 5,000 points a statement cycle. First year free, then ₹499. A focused online/UPI category card, best paired with a broad everyday card, not a do-everything wallet.
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 · last change Jun 2026
2026
- ▼ FeeObserved 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
- ▼ FeeObserved 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
- ▼ FeeObserved 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
- ▼ BenefitEffective 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
- ◆ LaunchEffective 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: <a href="https://cardadvisor.in/cards/indusind-jio-bp#value-timeline">IndusInd Bank Jio-bp Mobility+ Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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