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IndusInd Bank
12 reward points per Rs. 100 at Jio-bp, 5 on groceries and dining, and no annual fee
One-time
Waived on ₹10,000/yr
Uncapped rewards
Score 700+
Applying takes you to IndusInd Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from IndusInd Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromFuel
No published ceiling on this tier
Groceries
No published ceiling on this tier
Dining
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
12% on Fuel — Jio-bp Mobility Stations, convenience stores and wildbean cafe outlets. IndusInd publishes no rupee value for the point., with no stated cap.
Biggest limitation
IndusInd publishes no rupee value for the point, so the 12-point fuel rate cannot be turned into a percentage and compared.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
12 pts
uncappedFuel
Jio-bp Mobility Stations, convenience stores and wildbean cafe outlets. IndusInd publishes no rupee value for the point.
5 pts
uncappedGroceries
Supermarket, dining and grocery purchases.
5 pts
uncappedDining
2 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The Rs. 499 + GST joining fee is waived on spends of Rs. 10,000 or more within 30 days of card set-up, and is levied if that is not met in the first 90 days |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Late payment | Nil up to Rs. 100 outstanding, Rs. 100 from Rs. 101 to Rs. 500, Rs. 350 from Rs. 501 to Rs. 1,000, Rs. 550 from Rs. 1,001 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
The Rs. 499 + GST joining fee waived on spends of Rs. 10,000 or more within 30 days of card set-up
Spend ₹0 a month
200 bonus Reward Points a month on Rs. 4,000 of spending at Jio-bp Mobility Stations
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IndusInd BankIndusInd Bank Tiger Credit CardLifetime free
IndusInd BankIndusInd Bank Nexxt Credit CardSee fees
IndusInd BankIndusInd Bank Pinnacle Credit Card₹5,000
IndusInd BankIndusInd Bank Legend Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndusInd Bank Jio-bp Mobility+ Credit Card · this card | Lifetime free | 12% fuel | No |
| IndusInd Bank ePay American Express Credit Card | Lifetime free | Up to 5% cashback | No |
| IndusInd Bank Tiger Credit Card | Lifetime free | Up to 2.4% rewards | Included |
| IndusInd Bank Nexxt Credit Card | ₹0 | Up to 1 reward points per ₹150 | No |
| IndusInd Bank Pinnacle Credit Card | ₹5,000 | Up to 2.5 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 12% on fuel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
12 Reward Points for every Rs. 100 spent at Jio-bp Mobility Stations, and the same rate applies at their convenience stores and wildbean cafe outlets. That is the highest headline fuel rate in our catalogue. IndusInd does not publish a rupee value for the point, so we quote the point count rather than converting it into a percentage.
5 Reward Points per Rs. 100 on supermarket, dining and grocery spending, and 2 per Rs. 100 on everything else. That is a broader table than most fuel cards, which typically drop to a fraction of a point outside the forecourt — so this one is more usable as a main card than its name suggests.
Rs. 499 plus GST as a joining fee, waived on spends of Rs. 10,000 or more within 30 days of card set-up, and levied if that is not met in the first 90 days. There is no annual fee at all. So for anybody who uses the card at once, it is free to take and free to keep.
400 bonus Reward Points for the first fuel transaction at a Jio-bp Mobility Station within 30 days of card set-up, and 200 bonus Reward Points a month for spending Rs. 4,000 at Jio-bp stations. The monthly one needs a fair amount of fuel for a small bonus; the first-transaction one costs nothing to claim.
Yes. It is a RuPay card, and RuPay is the only network whose credit cards can be linked to a UPI app. That matters on a fuel card: paying by QR at a pump is common, and a Visa or Mastercard credit card cannot do it at all.
That is the question to answer before applying. Jio-bp has fewer outlets than IndianOil, HP or BPCL, so the 12-point rate is worth a great deal if a Jio-bp station is on your route and nothing if it is not. Our IndianOil cards cover a larger network at a lower rate, and which wins depends entirely on where you refuel.
12 Reward Points per Rs. 100 at Jio-bp Mobility Stations is the highest headline fuel figure in our catalogue, and it extends past the pump to Jio-bp's convenience stores and wildbean cafe outlets — so a coffee and a tank earn the same accelerated rate.
The thing to weigh against it is coverage. Jio-bp has fewer outlets than IndianOil, HP or BPCL, so the rate is worth a great deal if one is on your commute and nothing at all if it is not. Our IndianOil cards pay less per rupee across a far larger network, and which card wins is decided by your route rather than by the rate.
Most fuel cards pay well on the forecourt and a fraction of a point everywhere else, which makes them a second card you carry for one purpose. This one pays 5 Reward Points per Rs. 100 on supermarket, dining and grocery spending and 2 per Rs. 100 on everything else.
That is a reward table you could run a household on. Combined with no annual fee at all and a joining fee that Rs. 10,000 of spending in the first month removes, it is one of the cheaper cards here to hold as a main card rather than a specialist one.
The card is issued on RuPay, which is the only network whose credit cards can be linked to a UPI app. No Visa or Mastercard credit card can be used to scan a QR code.
On a fuel card that is more than a technicality. Paying by QR at a pump or a kirana is now routine, and a card that cannot do it leaves a large part of everyday spending on another card. The one caution is that IndusInd's own earning exclusions still apply to UPI spends, so check which categories count before assuming the 2-point base rate covers everything.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndusInd Bank Jio-bp Mobility+ Credit Card — 12% on fuel. No annual fee.