Indusind Bank Jio-bp Mobility+ Credit Card

Joining fee

Yes, there is joining fees of ₹499 + GST in case customer does not spend ₹10,000 from 90 days of Credit Card setup.

Annual fee

Annual fee: NIL (actual fees will be conveyed at the time of application).

Add-on card fee

Add-on card fee: NIL.

Welcome benefit

Earn 400 Bonus Smiles after 1st fuel transaction at Jio-bp in first 30 days from card setup by the Bank. Enjoy a complimentary wildbean cafe coupon worth ₹200 on your first transaction at wildbean cafe within 30 days of Credit Card setup by the Bank.

Reward rate

2 Smiles per ₹100 on all other spends.

Fuel earning

12 Smiles per ₹100 on all Jio-bp spends, capped at 1,200 Smiles in a statement cycle.

Reward earning on dining spends

5 Smiles per ₹100 on dining, supermarket & grocery.

Reward exclusions

Fuel at non-Jio-bp fuel stations, Insurance, Government, Utility, Rent will not earn any reward points.

Reward caps

There is capping of 1,200 Smiles in a statement cycle for points earned on Jio-bp.

Redeeming points for travel

wildbean Café; Jio-bp Convenience store; Jio-bp Pulse (EV charging). Turn your Smiles into savings with 4 easy steps at Jio-bp ecosystem; Jio-bp fuel station; wildb

Utilities earning

Not offered – Utility spends do not earn reward points

Insurance spend earning

Not offered – Insurance spends do not earn reward points

Rent earning

Not offered – Rent spends do not earn reward points

Government spend earning

Not offered – Government spends do not earn reward points

Benefit given each anniversary year

4,000 Bonus Smiles on spending ₹2 lacs or more in a card anniversary year

Milestone benefits

200 Smiles on spends of ₹4,000 or more on Jio-bp ecosystem in a statement cycle; 2,000 Smiles on spends of ₹1,00,000 in a card anniversary year; 2,000 Smiles on spends of next ₹1,00,000 in a card anniversary year, per month

Fuel surcharge waiver

1% fuel surcharge waiver across all Jio-bp fuel stations in India; no fuel surcharge waiver on non-Jio-bp fuel stations.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

2.5% of the advance amount subject to a minimum of ₹300

Interest on unpaid balance

3.95% Monthly Rate, 47.40% Annual Rate.

Interest-free period

Interest charge-free credit period could range up to 50 days

Late payment fee

NIL up to ₹100; ₹100 to ₹1,300 by outstanding balance

Over-limit fee

2.5% of Over Limit Amount, subject to a minimum of ₹500

Payment return or dishonour fee

Returned payments: ₹250

Card replacement fee

Re-issue/Replacement: ₹100 for All Other Credit Cards.

Education / school fee charge

1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle

Wallet load charge

1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

Rent transaction fee

1% Fee + GST levied on each transaction on rent payments through third-party merchants

Utility transaction fee

1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

Minimum amount due

100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

Eligibility

Not issued to any person less than 18 years of age.