AU Zaggle Credit Card

AU Small Finance Bank · Open to apply

A lifetime-free card issued through the zagg.money app that pays Zagg Coins worth ₹0.25 each, up to 2,000 coins a statement: the page headlines "8%" on zagg.money UPI (RuPay) and tap and pay (Visa), 4% on Visa e-commerce and 2% elsewhere.

Annual fee
Lifetime free
Joining fee
None
Base rate
POS and other spends, 2 coins per ₹100 (transactions of ₹500 or more): 2 Zagg Coins per ₹100 (about 0.5% at cash value)
Lounges
None on record
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Visa e-commerce, 4 coins per ₹100: 4 Zagg Coins per ₹100 (about 1% at cash value)
  • UPI in the zagg.money app, 4 coins per ₹100, 8 once the statement's zagg.money spend passes ₹10,000: 4 Zagg Coins per ₹100 up to ₹10,000; 8 Zagg Coins per ₹100 above ₹10,000 (about 1% at cash value)

Earns nothing on

  • No coins on cash, rent, education, government, EMI and fuel

Terms the calculator does not value

  • The page states every rate as "% Zagg Coins" (8%, 4%, 2%) beside "1 Zagg Coin = ₹0.25" without saying whether the percentage is coins per ₹100 or the value of the coins. It is read as coins per ₹100 (so 8% pays 8 coins, worth ₹2, per ₹100); if it means the value, every rate here is four times too low. The cap fits the coins reading: 2,000 coins a statement is reached at about ₹25,000 of spend at 8 coins per ₹100, whereas under the value reading it would be reached at ₹6,250, below the ₹10,000 that unlocks the 8% tier.
  • Visa tap and pay: 8% on contactless transactions between ₹500 and ₹5,000 and 2% above ₹5,000. The calculator cannot tell a tap payment from other card spend, so Visa in-store spends are valued at the 2% base.
  • The cap of 2,000 coins a statement (₹500) applies across these earnings; the page does not say it covers the 8% rates only.

Sources

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