Base reward rate: Up to 12 Reward Points per ₹100 spent, with 2 points on most categories.
Redemption options: flights, cashback, vouchers
Redemption value: 1 Pt = ₹0.25
Fees & Charges
Joining fee: 499
Annual fee: 0
Pros
High accelerated rewards of 12 Reward Points per ₹100 spent at Jio-bp Mobility Stations, convenience stores, and Wildbean Cafes.
Strong rewards on daily essentials, offering 5 Reward Points per ₹100 on all supermarket, dining, and grocery purchases.
Excellent fee structure with a zero annual fee and a low joining fee of ₹499 that is waived on a highly achievable spend of just ₹10,000.
Offers a valuable milestone benefit of 4,000 bonus Reward Points upon reaching annual spends of ₹2 lakh.
Provides a 1% fuel surcharge waiver on fuel transactions, adding to the savings on fuel spends.
Cons
Extremely restrictive redemption options, as points can only be used at Jio-bp outlets, with no option for statement credit, cash back, or other brand vouchers.
Key spending categories such as utility bills, insurance premiums, rent, and government-related payments are explicitly excluded from earning any reward points.
The base reward rate for non-accelerated categories is low at just 2 Reward Points per ₹100.
As a co-branded card, it offers zero reward points on fuel purchases at any non-Jio-bp fuel station, limiting its utility for users without regular access to Jio-bp.
High foreign currency markup fee of 3.50%, making it an expensive option for international transactions.
Best Use Case
Individuals who frequently refuel at Jio-bp Mobility Stations and make regular purchases at supermarkets, dining, and grocery stores.