12 Smiles per ₹100 on all Jio-bp spends petrol, diesel, Castrol lubes, wildbean café, Jio-bp Pulse EV charging and Jio-bp convenience stores
5 Smiles per ₹100 on dining, supermarket and grocery spends, with a cap of 1,200 Smiles in a statement cycle on Jio-bp earnings
400 on the first Jio-bp fuel or EV-charging transaction within 30 days of card setup; 200 in any statement cycle with ₹4,000 or more of Jio-bp spends
complimentary wildbean café coupon worth ₹200 on the first wildbean café transaction within 30 days of card setup
Fees
Joining Fee400 bonus Smiles worth ₹100 on your first fuel or EV-charging transaction at Jio-bp within 30 days of card setup, plus a complimentary wildbean café coupon worth ₹200 on your first wildbean café transaction within 30 days ₹300 of welcome value in total
₹589
₹499 + GST
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹20K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.95% per month 47.40% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.95%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹250
Cash PaymentA fee of ₹100 is levied for making payment of credit card dues in cash at an IndusInd Bank branch
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300)
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
