All Cards
rupayclassiccredit
IndusInd Bank Jio-bp Mobility+ Credit Card
IndusInd Bank
fuel
Annual Fee
FREE
Joining Fee
₹499 + GST
Base Reward
2% points
Foreign Markup
3.5%
Fee Waiver
Waived on spends of ₹10,000 or more in the first 30 days
Interest Rate
3.95% per month
Welcome Benefits
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200
Product Highlights
- Affordable fuel credit card
- Joining fee waived on spending ₹10,000 in the first 30 days
Rewards
Earn 12 Smiles per ₹100 spent at Jio-bp Stations, 5 Smiles per ₹100 spent at Dining, Supermarket & Grocery, and 2 Smiles per ₹100 spent on all other eligible spends.
Redemption
1 Smile = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
fuel | 12%(12 Smiles/₹100 Spent) | No cap |
dining | 5%(5 Smiles/₹100 Spent) | No cap |
grocery | 5%(5 Smiles/₹100 Spent) | No cap |
other | 2%(2 Smiles/₹100 Spent) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Jio-bp | 12 Smiles/₹100 Spent(Maximum 1,200 Smiles can be earned in a statement cycle) | offline |
| Dining, Supermarket & Grocery | 5 Smiles/₹100 Spent | offline |
| All Other Eligible Spends | 2 Smiles/₹100 Spent | all |
Benefits & Features
Roadside Assistance Service in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore
Fees & Charges
Annual FeeFREE
Joining Fee₹499 + GST
Fee WaiverWaived on spends of ₹10,000 or more in the first 30 days
Foreign Markup3.5%
Interest Rate3.95% per month
Cash Advance2.5% of amount, min ₹300
Eligibility
Available Networks
rupay
Pros & Cons
Pros
- Affordable option for fuel users
- Reward points on UPI transactions
Cons
- Roadside assistance limited to major cities
Additional Info
Roadside assistance available in major cities only
Maximum 1,200 Smiles can be earned in a statement cycle for Jio-bp spends.
Excluded Categories
insurancegovernmentutilityrent
Partner Merchants
Jio-bpWild Bean Café