Compare : IndusInd Bank Jio-bp Mobility+ Credit Card vs HPCL IDFC FIRST Power Credit Card

500 Smiles on the 1st Jio-bp fuel spend made within 30 days of card setup

Rs. 200 wildbean cafe coupon on the 1st wildbean cafe spend within 30 days of card setup

Rs. 250 gift voucher on the 1st HPCL fuel transaction

5% cashback of up to Rs. 1,000 on first EMI conversion

12 Smiles per Rs. 100 spent on Jio-bp, including diesel, petrol, Castrol lubes, wildbean cafe and Jio-bp convenience store

5 Smiles per Rs. 100 spent on groceries, supermarket and dining

2 Smiles per Rs. 100 spent on all other eligible categories

Reward rate of 12 Smiles per Rs. 100 is capped at 1,200 Smiles per month

Accrued Smiles are redeemable at Jio-bp fuel stations, where 1 Smile = Rs. 0.25

21 reward points per Rs. 150 spent on HPCL fuel

6 Happy Coins per Rs. 100 spent on fuel through HP Pay App

15 reward points per Rs. 150 spendt on IDFC FIRST FASTag Recharge, grocery and utilities

52 rewards per Rs. 150 on hotels & 32 rewards per Rs. 150 on flights booked via IDFC FIRST mobile app

2 reward points per Rs. 150 spent on other categories; 1 Reward Point = Rs. 0.25

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Up to 4% value-back on fuel spends as rewards and surcharge waiver

Accelerated rewards on grocery, dining and supermarket

Up to 200 bonus Smiles every month

Up to 4,000 extra Smiles as annual milestone bonus

No annual fee charged

Low annual fee

Achievable fee waiver criteria

Up to 5% savings of fuel

Additional accelerated benefits on spends like travel, grocery, utilities and FasTag

Activation benefits worth more than the joining fee

Low reward redemption value

Capping on reward earnings on Jio-bp fuel spends

5% savings on fuel include 1.5% return via HP Pay App (offered as Happy coins)- this can be complicated for some users

Minimum spend-limitations on reward earning

Those who are Jio-bp fuel loyalists with considerable fuel spends every month and are looking for a low or zero annual fee co-branded fuel card option.

You are an HPCL loyalist, and want a low annual fee fuel credit card