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Zagg Credit Card

Zagg Credit Card, formerly known as Rio Credit Card, is a co-branded credit card launched by the Zagg app and Yes Bank. The Credit card comes with no joining or annual fee, which makes it ideal for beginners, as they can improve their credit score without paying hefty credit card fees.

The credit card offers Zagg coins on every transaction made using the Zagg app, which makes every transaction rewarding. The users will also get a discount on food orders from Swiggy and Zomato. If you are someone who often orders food using this app, then the Zagg Credit Card can be beneficial for you. Not only that, but you can also enjoy free movie tickets through the credit card. The Zagg Credit Card offers a lot of benefits for a credit card that has no joining or annual fee.

Zagg Credit Card

( 4.3 / 5 )
Zagg Credit Card
  • Joining FeeN/A
  • Annual FeeN/A
  • Best Suited ForUPI
  • Reward TypeReward Points

Rewards Rate

3% Zagg Coins on Zagg UPI Spends

Welcome Benefits

N/A

Movie & Dining

Get 40% Off While Ordering Food From Swiggy and Zomato, BOGO Movie Ticket on District, and BookMyShow

Rewards Rate

3% Zagg Coins on Zagg UPI Spends

Reward Redemption

1 Zagg Coin = ₹0.25

Travel

N/A

Domestic Lounge Access

2 Visits Per Calendar Quarter on a Spend of at least ₹50,000 in the Previous Quarter

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    ₹100 + GST

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.99% Per Month (47.88% Annually)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver on a Maximum Transaction Amount of ₹250.

    Cash Advance Charges

    3.99% Monthly (47.88% Annually)

    • The credit card does not have any joining or annual fees.
    • Get 3% Zagg coins while making a UPI transaction through the Zagg app.
    • 40% off on food ordered from Swiggy or Zomato.
    • Enjoy buy one get one movie ticket offer on the District app and BookMyShow
    • Waive 1% fuel surcharge on transactions up to ₹250.

    Pros

    • The Zagg Credit Card has no joining or annual fees and offers a discount on food delivery apps. The card also offers domestic lounge access.

    Cons

    • There are no milestones or welcome benefits with the Zagg Credit Card. Therefore, even if you spend a significant amount, you will not receive any benefits.

  • Easy UPI Transaction

    You can link your Zagg credit card to any TPAP recognized by NPCI to make UPI transactions via BHIM, PhonePe, GPay, and Cred. As most of the people depend on the UPI app to make payments, linking your credit card to any of the UPI apps makes the transaction easy.

    Get Instant 40% Off

    Save money with a 40% discount on food orders through Swiggy or Zomato. Whether you want a snack, a meal, or dessert, this offer lets you enjoy your favorite dishes at a lower price. Just order from your chosen restaurant using any of the apps. Using the Zagg Credit Card, you don’t have to worry about the cost; you can treat yourself without any guilt.

    Earn Zagg Coins

    Cardholders earn 3% in Zagg Coins when making UPI transactions with the Zagg app. You will receive Zagg Coins equal to 3% of each transaction amount, rounded down to the nearest whole number. All coins earned during a billing cycle will be added to your account within 7 working days after the credit card bill is generated. There is a limit on how many coins you can earn in one cycle. The maximum amount of coins equals 1.5% of your total credit limit on the Zagg Yes Bank Credit Card. This limit applies to all eligible purchases in a billing cycle, regardless of how often you use the card or how much you spend.

    Movie Benefits

    If you love watching movies, then the Zagg Credit Card offers a nice deal for you. When you buy one movie ticket, you can get another ticket free. This offer is available if you book your ticket through the District app or the BookMyShow app.

    Domestic Lounge Benefits

    The first thing frequent travellers look for is whether the credit card offers a complimentary domestic lounge or not. With the Zagg Credit Card, users will get 2 visits per calendar quarter but only if they have spent at least ₹50,000 in the previous quarter.

    Bottom Line

    The Zagg Credit Card is a good option for beginners or anyone looking for a lifetime-free card. Since there is no joining or annual fee, it works well for people who want to build their credit score without worrying about extra charges.

    The card is especially useful for those who frequently use UPI payments, order food online, or watch movies, as most of its rewards are focused on these everyday expenses. The added lounge access is a nice bonus for occasional travellers.

    However, the card may not be the best choice for people looking for premium travel rewards, high cashback rates, or luxury benefits. Its value mainly depends on how often you use the Zagg app.

    In short, if you want a simple, no-fee credit card for daily spending and small savings, the Zagg Credit Card can be a good choice.

    FAQs:

    Yes, you can link the card to UPI apps like BHIM, PhonePe, Google Pay, and CRED, and use it for everyday UPI transactions.

    The cardholders can get up to 40% discount on Swiggy and Zomato orders, subject to applicable terms, partner offers, and limits.

    The value of one Zagg coin is ₹0.25.

    The card offers a Buy 1 Get 1 free movie ticket offer when booking through platforms like the District app or BookMyShow.

    The card offers 2 complimentary domestic lounge visits per calendar quarter, which is useful for occasional travellers.

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