IndusInd Bank Jio-bp Mobility+ Credit Card: rewards, caps and exclusions
The IndusInd Bank Jio-bp Mobility+ Credit Card pays about 3% on All Jio-bp spends and Jio-bp convenience store), on the first ₹10,000 of spend a cycle, and 0.5% on everything else. Below is every rate, cap and exclusion in IndusInd Bank's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Insurance premiums
- Government payments
- Utility bills
- Rent
- EMI conversions
- Cash withdrawals and fees
What costs extra
Worse than earning nothing: IndusInd Bank charges a fee for these.
- 1% on Rent payments through third-party merchants, plus GST
- 1% on Utility payment transactions, plus GST
- 1% on Wallet Loading transactions, plus GST
- 1% on Education payments through third-party websites and applications, plus GST
- 1% on Fuel transactions, plus GST
Milestones
In IndusInd Bank's own words:
- A. Monthly Milestone – Earn 200 Smiles on spends of INR 4000 or more on Jio-bp ecosystem in a statement cycle. → 200 Smiles
- B. Annual milestone 1 - Earn 2000 Smiles on spends of INR 100000 in a card anniversary year → 2,000 Smiles
- C. Annual milestone 2 - Earn 2000 Smiles on spends of next INR 100000 in a card anniversary year → 2,000 Smiles
Fees
- Annual fee: none
- Joining fee: ₹499
Welcome benefit: 400 bonus Smiles on the first Jio-bp fuel transaction + wildbean cafe coupon worth INR 200 (on the first wildbean cafe transaction; brand-locked, not priced) on reaching the bank's spend condition.
Where this comes from
Transcribed from IndusInd Bank's own documents and checked against them on 9 October 2026:
- product page, indusind.bank.in
- MITC, indusind.bank.in (PDF)
- welcome-kit leaflet, indusind.bank.in (PDF)
- indusind.bank.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IndusInd Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read IndusInd Bank's mail yet, so the audit can't check your swipes on it. Which banks we read
Other IndusInd Bank cards
≈2.5% on CRED pay, travel and store, Shopping, Food, Groceries, Subscriptions, Entertainment, Health (online)
IndusInd Bank Avios Visa Infinite Credit Card≈1.5% on Spends in selected preferred international destination for Point of Sale transactions (in store)
IndusInd Bank Pinnacle Credit Card≈1.13% on Transport (online)
IndusInd Bank Tiger Credit Card≈2.4% on Incremental annual spend above ₹5L