IndusInd Bank
IndusInd Bank Jio-bp Mobility+ Credit Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual feeFree
- Reward rate0.5% base, up to 1.25% on dining; 3% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual feeFree
- Forex markup3.5%
- Interest (APR)3.95% a month, 47.4% a year
01IndusInd Bank Jio-bp Mobility+ Credit Card Rewards and Benefits
02IndusInd Bank Jio-bp Mobility+ Credit Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.95% a month (47.4% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,656 a year₹138
- In your pocket each year₹1,656
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Fuel only at Jio-bp: 3% back, up to ₹300 a month
- Dining: 1.25% back
- Anyone who wants no annual fee, ever
Skip it if…
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you rarely spend on Jio-bp: the 3% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
04How IndusInd Bank Jio-bp Mobility+ Credit Card earns Rewards
0.5% base, up to 1.25% on dining; 3% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 1.25% | No cap | All merchants in the categoryTerms: 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 | 1.25% | No cap | All merchants in the categoryTerms: 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. |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card (base rate terms) |
| Fuel, only at listed merchants | 3% | ₹300 | Only at: Jio-bpTerms: 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) |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 0.5% | No cap | The card's normal rate |
| Wallet top-ups | 0.5% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 Smiles per ₹100 on all other spends including RuPay UPI; excludes rent, non-Jio-bp fuel, insurance, government and utility payments
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05IndusInd Bank Jio-bp Mobility+ Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses.
- Fuel surcharge waiver: 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.
- Milestone bonuses: 2,000 bonus Smiles on the first ₹1 lakh of spend in a card anniversary year (IndusInd annual milestone 1)
- Milestone bonuses: 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.
- Milestone bonuses: 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.
06IndusInd Bank Jio-bp Mobility+ Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Dynamic Currency Conversion fee doubled 1% → 2%Source: IndusInd Bank | 1% + taxes | 2% + GST |
| 15 Jun 2026 | Reduced: Fuel fee threshold cut ₹50,000 → ₹30,000, on a fuel cardSource: IndusInd Bank | 1% + GST above ₹50,000/cycle | 1% + GST above ₹30,000/cycle |
| 15 Jun 2026 | Reduced: New 1% fee on transport spends above ₹40,000 a cycleSource: IndusInd Bank | No transport fee | 1% + GST above ₹40,000/cycle |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 10 Dec 2025 | Changed: IndusInd Bank Jio-bp Mobility+ launchedSource: IndusInd Bank | - | - |
See this card's change history → · All card changes in June 2026 →
08Cards Similar to IndusInd Bank Jio-bp Mobility+ Credit Card
IndusInd Bank Jio-bp Mobility+ Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Jio-bp Mobility+ Credit Card |  SBI BPCL Credit Card |  SBI BPCL Octane Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹499 + GST | ₹1,499 + GST |
| Annual fee | Free | ₹499 + GST | ₹1,499 + GST |
| Rewards | 0.5% base, up to 1.25% on dining; 3% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants |
| Domestic lounge | Not included | Not included | 4 visits a year |
| Forex markup | 3.5% | 3.5% | 3.5% |
| Type | Fuel | Fuel | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Jio-bp Mobility+ Credit Card Bill
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Common Questions
What is the joining fee for the IndusInd Bank Jio-bp Mobility+ Credit Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Jio-bp Mobility+ Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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