AU Zaggle Credit Card – Benefits, Fees & Eligibility

Introduction

The AU Zaggle Credit Card, issued by AU Small Finance Bank in partnership with Zaggle, is a lifetime free credit card designed to transform everyday payments into valuable rewards. Positioned as an entry to mid-range card, it is best suited for individuals who frequently engage in UPI payments, online shopping, and general day-to-day spending. Its top differentiating benefits include earning up to 8% Zagg Coins on zagg.money UPI and Tap & Pay spends, easy redemption of Zagg Coins as cashback, and a beneficial fuel surcharge waiver.

Fees

• Joining Fee: Lifetime Free
• Renewal Fee: Lifetime Free
• 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%

Rewards

• 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.
  • Zagg Coins are earned only on eligible UPI transactions of ₹500 or more.
• Tap and Pay (Visa Variant):
  • Earn 8% Zagg Coins on Tap & Pay transactions between ₹500 and ₹5,000.
  • Earn 2% Zagg Coins on Tap & Pay transactions above ₹5,000.
• 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).
  • Zagg Coins are earned only on eligible transactions of ₹500 or more.
• General Reward Details:
  • You can earn a maximum of 2,000 Zagg Coins in one billing cycle across all eligible categories.
  • Rewards earned during a statement cycle will be credited to your Zagg Coins account on your statement generation date.

Rewards Redemption Guide

• Redeem your Zagg Coins seamlessly as cashback through the zagg.money App.
• The value of 1 Zagg Coin is ₹0.25.
• A minimum of 1,000 Zagg Coins is required for redemption.
• Redeemed Zagg Coins will be posted to your Account within 30 days from the redemption date.
• Reward Points are valid for 2 years from the statement credit month.
• Your reward balance will be available on the zagg.money App.

Card Eligibility Criteria

• The applicant must be a Resident Indian.
• Primary cardholder age group:
  • Salaried individuals: 21 years to 60 years.
  • Self-employed individuals: 25 years to 65 years.
• These criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline applications for the Credit Card.

Card Review

• Who Should Apply:
  • Individuals who frequently make UPI payments and wish 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.
• Pros:
  • The card is lifetime free, incurring no joining or annual fee, making it a cost-effective option for long-term use.
  • Cardholders can earn substantial Zaggle Coins on UPI payments, online shopping, and POS transactions, with up to 8% rewards on eligible zagg.money UPI spends.
  • The reward redemption process is straightforward, allowing accumulated Zagg Coins to be converted into cashback via the zagg.money app.
  • It offers a valuable 1% fuel surcharge waiver on eligible fuel transactions.
• Cons:
  • The card does not provide premium benefits such as airport lounge access, extensive travel perks, complimentary insurance coverage, or entertainment offers.
  • A minimum of 1,000 Zaggle Coins is required for reward redemption, which might be a hurdle for low spenders.

Important Product Details

• This is a lifetime free credit card, meaning no joining or annual fees.
• The card is available in both Visa and RuPay network variants.
• It is best suited for UPI payments, online shopping, and general everyday spending.
• Rewards are accumulated in the form of Zaggle Coins.
• Zaggle Coins can be easily redeemed as cashback through the zagg.money app.
• Cardholders benefit from a 1% fuel surcharge waiver on eligible fuel transactions.
• The card supports quick and secure contactless payments up to ₹5,000.

Other Details

• The AU Zaggle Credit Card is a co-branded product resulting from a revenue-sharing agreement between AU Small Finance Bank and Zaggle.
• Cardholders can explore exciting brand offers and exclusive merchant deals specifically curated for them by visiting offers.aubank.in.
• Customer support is accessible through AU Customer Care, the AU 0101 App, or the zagg.money App.
• Upon application, a physical AU Zaggle Credit Card will be delivered to your registered address, and a digital card can be accessed via AU 0101, the AU Bank website, chatbot, IVR, and the zagg.money App.
• Applicants can apply for only one network variant (Visa or RuPay) of the card.
• Transaction limits and card controls, including enabling or disabling transaction types, managing limits, and blocking/unblocking the card, can be managed through the AU 0101 App, zagg.money App, AU website, NetBanking/Mobile Banking, and IVR service at 1800 1200 1500.
• For UPI registration, the mobile number linked to the Credit Card must precisely match the mobile number registered on the UPI app.
• AU Zaggle Credit Card bills can be paid through AU 0101, IMPS/NEFT, and the zagg.money App.
• The Card PIN can be reset or changed through the zagg.money App, AU website, AURO Chatbot, NetBanking/Mobile Banking, and IVR service at 1800 1200 1500.