AU Bank Zaggle Credit Card
AU Small Finance Bank · RuPay · Mid card
Adds a no-fee UPI option with a different rewards route from the existing Kiwi and super.money cards.
UPI-first users who are comfortable earning and redeeming Zagg Coins.
Terms checked 23 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| House rent | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 2 items
zagg.money UPI tiered coins
Usage-based valueFour coins per ₹100 through ₹10,000 monthly zagg.money UPI spend and eight coins per ₹100 thereafter; four coins equal ₹1.
Conditions: Four coins per ₹100 through ₹10,000 monthly zagg.money UPI spend and eight coins per ₹100 thereafter; four coins equal ₹1.
Other eligible Zagg Coins
Usage-based valueTwo Zagg Coins per ₹100 on other eligible RuPay purchases, conservatively worth 0.5%.
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The product page publishes age 21-60 for salaried and 25-65 for self-employed applicants but no numeric income threshold.
Other benefits · 6 items
1% fuel-surcharge waiver on eligible ₹400-₹5,000 transactions, capped at ₹100 per statement cycle
Shown without a cash valueRuPay credit-card UPI support through eligible apps
Shown without a cash valueLifetime-free RuPay credit card with Zagg Coins on eligible purchases
Shown without a cash value1% value back on the first ₹10,000 of monthly zagg.money UPI spend and 2% thereafter
Shown without a cash valueFour Zagg Coins equal ₹1 and redemption starts at 1,000 coins
Shown without a cash valueRuPay and Visa variants exist, but this catalogue record models the RuPay variant
Shown without a cash value
Other categories (13)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ Lifetime-free RuPay credit card with Zagg Coins on eligible purchases
- ✓ 1% value back on the first ₹10,000 of monthly zagg.money UPI spend and 2% thereafter
- ✓ Four Zagg Coins equal ₹1 and redemption starts at 1,000 coins
- ✓ RuPay and Visa variants exist, but this catalogue record models the RuPay variant
What to watch
The headline “8% Zagg Coins” means eight coins per ₹100, not 8% cash; four coins equal ₹1. A ₹500 minimum transaction and 2,000-coin statement-cycle cap constrain rewards.
Recorded exclusions
Fuel Commute · Cash withdrawal · Balance transfer · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026