Travel on Points

AU Zaggle Credit Card

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  • Joining fee

    Lifetime Free

  • Annual fee

    Lifetime Free

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • 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)

Fees & charges

  • 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%

Product highlights

  • 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 & cons

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.

FAQs

Is the AU Zaggle Credit Card lifetime free?

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

What is the value of 1 Zaggle Coin?

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

How can I redeem Zaggle Coins?

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

Is there a limit on the Zaggle Coins I can earn?

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

Does the card offer a fuel surcharge waiver?

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