IndusInd Bank Jio-bp Mobility+ Credit Card
- Updated On: 19 May, 2026
The IndusInd Bank Jio-bp Mobility+ Credit Card is the first co-branded credit card for Jio-bp fuel stations. It is an affordable option and is almost lifetime free. The card has a joining fee of ₹499 + GST, which can be waived by spending ₹10,000 within the first 30 days of card issuance. From the second year onwards, there are no annual charges, making it a cost-effective choice for regular fuel users.
As expected from a co-branded card, it is best suited for spending at Jio-bp outlets, including fuel purchases, Wild Bean Café, and Jio-bp Convenience Stores. Cardholders earn accelerated Smiles (reward points) not only on petrol and diesel but also on café and grocery purchases made at Jio-bp stations.
The Jio-bp Mobility+ Credit Card is issued on the RuPay network, allowing it to be used easily for UPI payments. Importantly, the same reward structure applies to UPI transactions, so users can earn rewards even while paying via UPI.
IndusInd Bank Jio-bp Mobility+ Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent
Welcome Benefits
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200 on First Transaction at Wildbean Cafe
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent
Reward Redemption
1 Smile = ₹0.25
Travel
Roadside Assistance Service in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Joining Fee Waiver on Spends of ₹10,000 or More in the First 30 Days
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
Monthly – 3.95% | Annual – 47.40%
Fuel Surcharge Waiver
1% Waiver Only at Jio-bp Stations
Cash Advance Charges
2.5% (Minimum ₹300)
Product Details
- This is a fuel-dedicated credit card.
- This card carries a joining charge of ₹499 + GST which can be waived by spending ₹10,000 in the first 30 days of card issuance.
- 1% Fuel surcharge waiver on Jio-bp spends.
Pros/Cons
Pros
This is one of the most affordable fuel credit cards in the country, most suited for those who refuel at Jio-bp stations.
Cons
The roadside assistance benefit offered with this card is currently available only in major cities, including Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore.
Welcome Benefits
Cardholders earn 400 Smiles when they make their first transaction at a Jio-bp outlet within 30 days of card activation. In addition, they also receive a complimentary Wild Bean Cafe coupon worth ₹200 on their first purchase at Wild Bean Cafe.
Reward Earnings on Fuel and More
- All Jio-bp Spends (Petrol, Diesel, Castrol Lubes, Wild Bean Cafe, and Jio-bp Convenience Stores) earn 12 Smiles per ₹100 spent.
- Dining, Supermarkets & Grocery Spends earn 5 Smiles per ₹100 spent.
- Maximum 1,200 Smiles can be earned in a statement cycle for Jio-bp spends.
- All Other Eligible Spends earn 2 Smiles per ₹100 spent.
- Fuel spends at non–Jio-bp fuel stations, along with insurance, government, utility, and rent payments, will not be eligible for earning reward points.
1 Smile = ₹0.25
Milestone Benefits
The IndusInd Bank Jio-bp Mobility+ Credit Card comes with monthly and annual milestone benefits, making it a great option for cardholders who have high spending needs and want extra value on their regular spends.
| Milestone | Benefit |
| Monthly Milestone | 200 Smiles on Monthly Spends of ₹4,000 or More at Jio-bp Stations |
| 1st Annual Milestone | 2,000 Smiles on Annual Spends of ₹1 Lakh or More |
| 2nd Annual Milestone | 2,000 Smiles on Additional Annual Spends of ₹1 Lakh or More |
Roadside Assistance
Cardholders also get complimentary roadside assistance with this card. They can call the 24×7 toll-free helpline at 1800 571 3981 to access on-the-spot roadside repairs, vehicle towing support, and emergency assistance at any time.
This service is currently available in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore, and can be extremely useful during emergencies when immediate help is needed.
Bottom Line
The IndusInd Bank Jio-bp Credit Card is an affordable and rewarding fuel-focused credit card, best suited for those who regularly refuel at Jio-bp stations. Fuel is a daily expense for most of us, yet it is usually excluded from reward earnings on regular credit cards. In fact, many cards even charge an extra fuel surcharge. With a dedicated fuel credit card like this one, you can earn rewards on regular fuel transactions without any hassle.
The joining and annual fee structure makes the card even more attractive, as the costs are low and easy to recover through regular usage. One of the most underrated benefits of this card is the complimentary roadside assistance, which can be extremely helpful during unexpected emergencies.
Overall, it’s a practical card for everyday fuel spends. Share your thoughts on this card in the comments below.
FAQs:
Is the IndusInd Bank Jio Mobility+ Credit Card lifetime free?
No, the IndusInd Bank Jio-bp Mobility+ Credit Card is not lifetime free. You pay a joining fee of ₹499 + GST, but this fee can be waived if you spend ₹10,000 or more within the first 30 days of the card being issued. After the first year, the card has no annual fee (zero annual charges) from the second year onwards.
Can this card be used for UPI payments?
Yes, since this card is issued on the RuPay network, it can be used for UPI payments, and cardholders will continue to earn reward points on eligible UPI transactions.
1 comment
Aman
I don’t have IndusInd account, but have a good credit score, and applied from Delhi address with 5LPA job, still got declined.
So beware before applying.