AU Small Finance Bank
AU Zaggle Credit Card
- Joining feeFree
- Annual feeFree
- Reward rateRewards not published
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
The AU Zaggle card is a lifetime free credit card built for UPI, with no joining or annual fee. It earns Zagg Coins: 8% on UPI spends made through zagg.money, up to 8% on tap and pay transactions, and up to 4% on eligible online shopping.
Because it costs nothing to keep, the card makes sense even if you use it lightly. Just note that the rates are in Zagg Coins, so the real value depends on how the coins can be redeemed. Check that before treating 8% as cash.
It suits young, UPI-first users who want a free card for everyday payments and a start on their credit score. The catch: there are no stated lounge benefits and the forex fee is 3.5%, so it is not for travel.
Best for: UPI-first users, First-time card users, People wanting a free everyday card.
01AU Zaggle Credit Card Rewards and Benefits
02AU Zaggle Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03Who It Suits, and Who Should Skip It
The bank has not published enough about this card's rewards or fee for a rupee example.
Good for
- Anyone who wants no annual fee, ever
Skip it if…
- you spend a lot on UPI payments, online shopping, dining or groceries: the card's terms do not state a rate there, so we count nothing
- you often pay in foreign currency: 3.5% is added to every foreign spend
04Product Details
- Lifetime free, no joining or annual fee
- 8% Zagg Coins on UPI spends via zagg.money
- Up to 8% Zagg Coins on tap and pay
- Up to 4% Zagg Coins on eligible online shopping
- 3.5% forex fee
05Pros and Cons
Pros
- No fee ever
- High coin rates on UPI and tap payments
- Easy way to use credit on UPI
Cons
- Coin value depends on redemption options
- No lounge benefits
- 3.5% forex fee
06How AU Zaggle Credit Card earns Rewards
Rewards not published.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Not stated | - | the card does not publish its base rate |
| Online shopping | Not stated | - | the card does not publish its base rate |
| Dining and food delivery | Not stated | - | the card does not publish its base rate |
| Groceries | Not stated | - | the card does not publish its base rate |
| Travel: flights, hotels, trains | Not stated | - | the card does not publish its base rate |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | Not stated | - | the card does not publish its base rate |
| Everything else | Not stated | - | the card does not publish its base rate |
07AU Zaggle Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: not stated. See what it costs on your trip
08AU Zaggle Credit Card Eligibility and Documents
- Age
- 21 to 60 years
09Cards Similar to AU Zaggle Credit Card
AU Zaggle Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Zaggle Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Rewards | Rewards not published | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
10Explore More
Already Have a Credit Card?
Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.
Common Questions
Is the AU Zaggle card free?
Yes, it is lifetime free with no joining or annual fee.
Where do I earn the most?
On UPI spends through zagg.money and on tap and pay transactions, up to 8% in Zagg Coins.
Is 8% the same as 8% cashback?
Not necessarily. Rewards come as Zagg Coins, so check how much they are worth when redeemed.
What is the joining fee for the AU Zaggle Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Zaggle Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
