AU Zaggle RuPay Credit Card
The RuPay variant of the lifetime-free Zaggle co-branded card: 4% in Zagg Coins on UPI through the zagg.money app (8% above ₹10,000 a cycle) and 2% on other spends, capped at 2,000 coins a statement cycle; 1 coin = ₹0.25, so 4% in coins is worth 1%. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for in the zagg.money app; an applicant chooses either the Visa or the RuPay variant, not both.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| UPI through the zagg.money app (8% on the part above ₹10,000 a statement cycle; 2% through other UPI apps) | 4% in reward points Product page | up to 2,000 points a statement cycle (shared) Product page |
| Online and in-store spends | 2% in reward points Product page | up to 2,000 points a statement cycle (shared) Product page |
Zagg Coins accrue only on transactions of ₹500 or more and are capped at 2,000 a statement cycle. AU's Zaggle pages list no exclusions of their own; CardWise applies the card-wide exclusions in AU's Cardmember Agreement (rent, education and government, BBPS, EMI, fuel, cash and quasi-cash).
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 8% in Zagg Coins (worth 2%) on zagg.money UPI spends above ₹10,000 in a statement cycle Product page
- Zagg Coins redeemed as cashback against the card bill in the zagg.money app Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- airport lounge access
- a welcome benefit
- a redemption fee for Zagg Coins
The quotes behind the figures
31 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Lifetime Free Enjoy rewarding spends with zero joining fees.”
“18% applicable on all fees, interest & charges.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“1 Zagg Coin = ₹0.25”
“4% Zagg Coins on zagg.money UPI spends”
“Earn maximum 2,000 Zagg Coins per statement cycle”
“A. AU Zaggle RuPay Credit Card Cardholders shall earn 4% Zagg Coins on eligible UPI transactions performed through the zagg.money application for cumulative UPI spends up to 10,000 during a statement cycle.”
“2% Zagg Coins on Ecom spends with AU Zaggle RuPay Credit Card”
“2% Zagg Coins on POS spends”
“Cardholders shall earn 2% Zagg Coins on all other eligible retail transactions.”
“23.5.1 Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points.”
“23.6 Cardmembers will not earn Reward Points for EMI, fuel, cash withdrawal, Quasi Cash transactions, joining/annual fees and any other charges levied on the Card.”
“You can apply for the AU Zaggle Credit Card through the zagg.money App .”
“LIT, InstaPay, AU KOSMO, ixigo AU, AU CA, AU CS, Paytm AU, AU Zaggle Lifetime Free”
“The maximum Reward Points that may be accrued by a cardholder during a statement cycle shall be capped at 2,000 Reward Points.”
“Zagg Coins can be earned on eligible transactions of ₹500 or more.”
“Each 1 Zagg Coin shall be equivalent to 1 Reward Point. Each Reward Point shall carry a redemption value of 0.25”
“Reward Points may be redeemed only in the form of a credit card statement adjustment or such other redemption options as may be communicated by AU Bank and/or Zaggle from time to time.”
“Minimum 1,000 Zagg Coins required for redemption”
“2% Zagg Coins on UPI spends through other apps”
“1% fuel surcharge waiver Up to ₹100 per statement cycle Applicable on spends between ₹400-₹5,000”
“No, you can apply for only one network variant of the card.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“8% Zagg Coins on zagg.money UPI when spends through zagg.money exceed ₹10,000 in a statement cycle”
“Redeem Zagg Coins as cashback through the zagg.money App”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“AU Zaggle Credit Card Spend Anywhere. Earn Everywhere. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology