A sensible first card for new-to-credit users and modest monthly spends.
no major caveats we’re tracking.
| category | rate | cap/mo |
|---|---|---|
| base · everything else | 0.5 / ₹100 | — |
| Fuel | 3 / ₹100 | ₹ 1,200 |
| Restaurant Dining | 1.25 / ₹100 | — |
| Grocery (all) | 1.25 / ₹100 | — |
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200 on First Transaction at Wildbean Cafe
1% Waiver Only at Jio-bp Stations
Roadside Assistance Service in Delhi, Mumbai, Kolkata, Pune, Chennai, and Bangalore
200 Smiles on Monthly Spends of ₹4,000 or More at Jio-bp Stations
unlocks at ₹ 4,000/yr
2,000 Smiles on Annual Spends of ₹1 Lakh or More
unlocks at ₹ 1,00,000/yr
run your spend profileto see this card's value for you.