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IndusInd Bank Jio-bp Mobility+ Credit Card
A RuPay fuel co-brand card with Jio-bp (Reliance BP Mobility), offering up to 4% combined savings at Jio-bp stations and zero renewal fee after year one. The joining fee is waived on modest early spend, making it a low-commitment fuel card for regular Jio-bp customers.
Annual fee
₹0
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
3% reward rate · 1% fuel surcharge waiver, taking total Jio-bp fuel savings up to 4%.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 3% value-back (12 Smiles per Rs 100, up to 1,200 Smiles/month) on Jio-bp fuel, Castrol lubricants and partner cafes.
- 1% fuel surcharge waiver, taking total Jio-bp fuel savings up to 4%.
- 500 Smiles on first Jio-bp fuel spend and a Rs 200 wildbean cafe coupon within 30 days.
Pros
- + Up to 4% total savings at Jio-bp stations
- + Zero renewal fee for life
- + Joining fee waived on Rs 10,000 spend in 30 days
Cons
- − Rewards are narrowly focused on Jio-bp/Castrol spends
- − 3.5% forex markup with no travel benefits