8:45 PM IST – Jio-bp has officially entered India’s competitive credit card market. Together with IndusInd Bank, the company has launched the IndusInd Bank Jio-bp Mobility+ Credit Card — a fuel-first card promising rewards on every refill, especially for riders who are always on the move. As per the IndusInd Card Press release, you could save up to 60 litres of fuel a year if used smartly.
India’s fuel inflation isn’t slowing down. Daily commuters, delivery riders, and small car users are constantly searching for ways to reduce petrol spending. So the obvious question is — does it actually help Indians reduce their monthly petrol expenses?
Fuel-First Card for On-the-Go Users
Mobility+ pushes a very clear message: refuel more, save more. You drive, you earn — not just once, but every month and every year if usage stays high.
And unlike older fuel cards that only waive surcharge, this one tries to mix fuel rewards with lifestyle spending and digital payments.
All Key Features — Clearly Explained
Instead of spreading benefits across multiple paragraphs, here’s everything placed in a single transparent table:
| Feature Type | Benefit You Get | Conditions & Notes |
|---|---|---|
| Fuel Rewards | 12 Smiles Points per ₹100 at Jio-bp stations | Applicable only on Jio-bp fuel & stores |
| 1% Fuel Surcharge Waiver | Waiver available at all Jio-bp outlets | No waiver at non–Jio-bp pumps |
| Welcome Bonus | 400 Bonus Smiles on first fuel transaction | Must be within 30 days of card setup |
| Monthly Bonus | 200 Bonus Smiles per month | Fuel spend must be ₹4,000+ at Jio-bp |
| Annual Milestone | 4,000 Bonus Smiles | Annual spends ₹2 lakh+ required |
| Lifestyle Rewards | 5 Smiles Points per ₹100 on dining, grocery, supermarket | Everyday categories supported |
| wildbean Café Coupon | ₹200 coupon on first café spend | Must be within 30 days |
| UPI Payments | Link card to UPI for seamless payments | RuPay credit card network |
| Roadside Assistance | Repair, towing, emergency help | Only in Delhi, Mumbai, Pune, Kolkata, Chennai, Bengaluru |
| Joining Fee | ₹499 + GST | Waived if ₹10,000 spend in first 30 days |
| Reward Redemption | Redeem Smiles at Jio-bp services only | Limited redemption flexibility |
Clear enough. No exaggerated marketing promises — just exactly what you receive.
Let’s check Eligibility
Eligibility is standard — Indian resident, 21+ years, stable income, and a decent credit score — so most regular card users can apply if they truly need the fuel savings.
Comparing Mobility+ With Other Fuel Cards
India already has strong competitors in fuel rewards. A quick glance:
| Card | Best Network | Value Back | Ideal User |
|---|---|---|---|
| Mobility+ (Jio-bp + IndusInd) | Jio-bp | ~4–4.25% | Metro commuters with nearby Jio-bp |
| BPCL SBI Octane | BPCL | Up to 7% (high fuel use) | Long-distance & high-volume riders |
| ICICI HPCL Super Saver | HPCL | ~5% | Regular city drivers at HPCL pumps |
So yes, Mobility+ is competitive — but only inside the Jio-bp universe.
Who Should Actually Consider This Card
- Daily office riders + delivery professionals
- People refuelling 10–12 times per month
- Anyone living near multiple Jio-bp pumps
- Users who like UPI + card benefits together
If your bike returns 40–50 litres of fuel a month → the savings can genuinely show up.
Who Won’t Benefit Much
- People who refuel only 1–2 times a month
- Towns where Jio-bp’s presence is rare
- Users who don’t redeem rewards regularly
- Those who frequently switch pump brands
Without consistent Jio-bp usage, the card becomes like any normal credit card.
Bottom line: Smart, but not universal
Mobility+ isn’t another cashback gimmick. It’s designed for India’s new on-the-go lifestyle — UPI payments, café breaks, frequent refuelling.
However, the card will either be a hero or a zero, depending on where you live. If Jio-bp isn’t in your regular travel route, you will earn nothing worth bragging about.
Future outlook
If Jio-bp expands aggressively into Tier-2 and Tier-3 India (which seems likely), this card could quietly change the fuel-card market. If expansion slows, Mobility+ may remain a niche benefit for selected pockets.
For now, the truth is simple:
- Great for daily riders.
- Okay for occasional drivers.
- Not useful if Jio-bp pumps are far away.
