M16S / IndusInd Bank / IndusInd Jio-bp Mobility+ Credit Card
entry · fuel, cobrand, upi
IndusInd Jio-bp Mobility+ Credit Card
The IndusInd Jio-bp Mobility+ Credit Card charges no annual fee, with a joining fee of Rs 499. Its base return is 0.5%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.95%a month
Apply on indusind.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Free |
| Fee notes | Joining fee Rs 499 + GST, charged only if Rs 10,000 is not spent within 90 days of card setup (issuer page FAQ and MITC); no annual fee per MITC |
Rewards
| Welcome benefit | 400 bonus Smiles after the first fuel transaction at Jio-bp within 30 days of card setup; Rs 200 wildbean cafe coupon on the first wildbean cafe transaction within 30 days |
|---|---|
| Reward currency | Smiles |
| Base earnunverified | 2 Smiles per Rs 100 on other spend (aggregator figure; the value in the issuer table did not come through in the fetched page text) |
| Base returnunverified | 0.5% |
| Point valueunverified | Aggregator: 1 Smile = Rs 0.25. Issuer page gives no rupee value; Smiles are redeemed at Jio-bp outlets against the registered mobile number and OTP |
| Accelerated earnunverified | 12 Smiles per Rs 100 on all Jio-bp spends: petrol, diesel, Castrol lubes, wildbean cafe, Jio-bp Pulse EV charging, convenience store (issuer page). Dining, supermarket and grocery is a separate higher-earn row whose value did not come through; aggregator: 5 Smiles per Rs 100 |
| Caps | 1,200 Smiles per statement cycle on Jio-bp spend |
| Spends that earn nothing | No Smiles on fuel at non-Jio-bp stations, insurance, government, utility, rent |
| Milestone benefits | 200 Smiles on Rs 4,000 or more Jio-bp spend in a statement cycle; 2,000 Smiles at Rs 1,00,000 spend in a card anniversary year and 2,000 more at the next Rs 1,00,000 |
| Reward notes | base_return_pct = 2 Smiles per Rs 100 x Rs 0.25; 3% at Jio-bp up to the cap. |
Travel and perks
| Domestic loungeunverified | None |
|---|---|
| International loungeunverified | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver at Jio-bp fuel stations only, none elsewhere; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle |
| Other freebies | Roadside assistance (24x7 helpline, roadside repair, towing, emergency help) in Delhi, Mumbai, Kolkata, Pune, Chennai, Bangalore; UPI linkable, with biometric authentication |
Charges and eligibility
| Interest per month | 3.95% |
|---|---|
| Late payment fee | By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 |
| Cash advance fee | 2.5% min Rs 300 |
| Fine-print notes | Issuer product page read as plain text on 2026-10-12; fields updated from it. Co-brand partner is Reliance BP Mobility Ltd (Jio-bp). Forex markup 3.5% confirmed on page. At 12 Smiles per Rs 100 the 1,200 cap is reached at Rs 10,000 of Jio-bp spend per cycle. Page says nothing on lounges. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other). |
Questions
- What is the annual fee of the IndusInd Jio-bp Mobility+ Credit Card?
- No annual fee.
- Does the IndusInd Jio-bp Mobility+ Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IndusInd Jio-bp Mobility+ Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndusInd Jio-bp Mobility+ Credit Card?
- No Smiles on fuel at non-Jio-bp stations, insurance, government, utility, rent