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AU Zaggle Co-Branded Retail Credit Card
Visa
AU Zaggle Co-Branded Retail Credit Card
A lifetime-free co-branded card from AU Bank and Zaggle, issued on either Visa or RuPay depending on preference, that rewards spending with Zagg Coins convertible to cashback. The card leans on the zagg.money app for its best rates and for toggling optional benefit passes, so it works best for someone willing to actively manage the app rather than a set-and-forget cardholder.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
4%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 4% base rate
Benefits by category
- 🍽️ Dining & food delivery
Optional curated value passes for groceries/dining, utilities, entertainment and travel, activated through the zagg.money app.
- 🛍️ Shopping
4% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹100 per statement month.
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: Zagg Coins convert to cashback within the zagg.money app, no separate redemption fee
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400–₹5,000, capped at ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Up to 8% Zagg Coins on contactless spends (Visa) or everyday UPI spends via the zagg.money app (RuPay), redeemable as cashback.
- Up to 4% Zagg Coins on e-commerce spending.
- 1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹100 per statement month.
- Optional curated value passes for groceries/dining, utilities, entertainment and travel, activated through the zagg.money app.
Pros
- + Zero joining and annual fee for life
- + Choice of Visa or RuPay network
- + High potential cashback on UPI/contactless and e-commerce spends
- + Customizable value passes for different spend categories
Cons
- − Top reward rates depend on active use of the zagg.money app
- − New co-brand with a limited independent track record
- − Fuel and lifestyle benefits are modest outside the core cashback