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AU Zaggle Credit Card

Why let your everyday spends go unrewarded when you can be rewarded for it? The AU Zaggle Credit Card is a lifetime free credit card that transforms your regular payments into valuable rewards. Whether you’re shopping online, making UPI payments, or paying at retail stores, this co-branded card from AU Small Finance Bank and Zaggle lets you earn accelerated Zaggle Coins on every eligible transaction.

With up to 8% Zaggle Coins on zagg.money UPI spends, rewards on online and POS purchases, easy cashback redemption through the zagg.money app, fuel surcharge waiver, contactless payments, and exclusive merchant offers, the AU Zaggle Credit Card ensures every spend is more rewarding.

AU Zaggle Credit Card

( 4.3 / 5 )
AU Zaggle Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForShopping
  • Reward TypeReward Points

Rewards Rate

8% Zagg Coins on zagg.money UPI When Spends Through zagg.money Exceed ₹10,000 In A Statement Cycle (RuPay Variant); 4% Zagg Coins on zagg.money UPI Spends (RuPay Variant); 8% Zagg Coins on Tap & Pay Transactions Between ₹500 and ₹5,000 (Visa Variant)

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

8% Zagg Coins on zagg.money UPI When Spends Through zagg.money Exceed ₹10,000 In A Statement Cycle (RuPay Variant); 4% Zagg Coins on zagg.money UPI Spends (RuPay Variant); 8% Zagg Coins on Tap & Pay Transactions Between ₹500 and ₹5,000 (Visa Variant)

Reward Redemption

1 Zagg Coin = ₹0.25 (Redeem Zagg Coins for Cashback Using zagg.money app)

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    ₹99 + GST

    Foreign Currency Markup

    3.49%

    Interest Rates

    3.75% Per Month (45% Per Annum)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver on Fuel Spends Between ₹400 and ₹5,000, Up to ₹100 Per Statement Cycle

    Cash Advance Charges

    2.5%

    • Lifetime free credit card.
    • Available in Visa and RuPay variants.
    • Best suited for UPI payments, online shopping, and everyday spending.
    • Earn rewards in the form of Zaggle Coins.
    • Redeem Zaggle Coins as cashback through the zagg.money app.
    • Offers a 1% fuel surcharge waiver on eligible fuel transactions.

    Pros

    • The card comes with no joining or annual fee, making it a cost-effective option for long-term use.
    • Cardholders can earn Zaggle Coins on UPI payments, online shopping, and POS transactions, with up to 8% rewards on eligible zagg.money UPI spends.

    Cons

    • The card does not offer airport lounge access, travel benefits, or complimentary insurance.
    • Reward redemption requires at least 1,000 Zaggle Coins.

  • Reward Rate

    Earn Zagg Coins on UPI Transactions (RuPay Variant)

    • Earn 8% Zagg Coins on zagg.money UPI transactions above ₹10,000 per statement cycle.
    • Receive 4% Zagg Coins on zagg.money UPI transactions.
    • Earn 2% Zagg Coins on UPI transactions made through other UPI apps.
    • You can earn up to 2,000 Zagg Coins in one billing cycle.
    • Zagg Coins are earned only on eligible UPI transactions of ₹500 or more.

    Earn Zagg Coins on Tap and Pay (Visa Variant)

    • 8% Zagg Coins on Tap & Pay transactions between ₹500 and ₹5,000.
    • 2% Zagg Coins on Tap & Pay transactions above ₹5,000.
    • You can earn up to 2,000 Zagg Coins in one billing cycle.

    Earn Zagg Coins on Your Everyday Shopping

    • Get 4% Zagg Coins when you shop online using the AU Zaggle Visa Credit Card.
    • Get 2% Zagg Coins when you shop online using the AU Zaggle RuPay Credit Card.
    • Get 2% Zagg Coins on purchases made at stores (POS transactions) using your card.
    • You can earn up to 2,000 Zagg Coins in one billing (statement) cycle.
    • Zagg Coins are earned only on eligible transactions of ₹500 or more.

    Reward Redemption

    • Convert your Zagg Coins into cashback using the zagg.money app.
    • You need at least 1,000 Zagg Coins to redeem them.
    • 1 Zagg Coin = ₹0.25.

    Fuel Surcharge Waiver

    Get a 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000, up to ₹100 per statement cycle.

    Who Should Consider the AU Zaggle Credit Card?

    • Individuals who frequently make UPI payments and want to earn rewards on their transactions.
    • Online shoppers looking to earn accelerated Zaggle Coins on eligible purchases.
    • First-time credit card users seeking a lifetime free credit card with no joining or annual fee.
    • Existing Zagg Money users who want to earn and redeem Zaggle Coins as cashback through the zagg.money app.

    AU Zaggle Credit Card Eligibility

    To apply for the AU Zaggle Credit Card, you must meet the following eligibility criteria:

    • Should be an Indian resident.
    • Salaried individuals should be 21 to 60 years of age.
    • Self-employed individuals should be 25 to 65 years of age.

    AU Zaggle Credit Card Features

    Bottom Line

    The AU Zaggle Credit Card is a good option for people who frequently use UPI for payments and shop online. As a lifetime free credit card, it doesn’t charge any joining or annual fee, making it a great choice for anyone looking to earn rewards on their everyday expenses without paying extra for the card. Cardholders can earn Zaggle Coins on eligible UPI, online, and POS transactions.

    The card also offers a simple reward redemption process, as the accumulated Zaggle Coins can be converted into cashback through the zagg.money app. Combined with the fuel surcharge waiver, these benefits make the card rewarding for regular spending.

    That said, the card is mainly for earning rewards and does not include premium benefits such as airport lounge access, travel perks, insurance coverage, or entertainment offers. If your spending is mostly on UPI payments, online shopping, and day-to-day purchases, the AU Zaggle Credit Card is worth considering. However, if you’re looking for travel or lifestyle benefits in addition to rewards, you may want to explore other credit card options.

    FAQs:

    Yes, the AU Zaggle Credit Card is a lifetime free credit card with no joining or annual fee.

    Each Zaggle Coin is worth ₹0.25 and can be redeemed as cashback through the zagg.money app.

    You can redeem your Zaggle Coins as cashback using the zagg.money app. A minimum of 1,000 Zaggle Coins is required for redemption.

    Yes, you can earn a maximum of 2,000 Zaggle Coins per statement cycle.

    Yes, the card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, up to ₹100 per statement cycle.

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