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AU Small Finance Bank

AU Zaggle Credit Card

Issued as two genuinely different network variants (RuPay or Visa, cardholder picks one) — the second AU Bank card besides NOMO with an explicitly confirmed Reward Point value, at ₹0.25/point, earning up to 8% on tiered UPI/contactless spend.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
31 August 2026
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AU Zaggle Credit Card

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
3.49%

Rewards

reward points

  • upi: 4%RuPay variant — UPI transactions via the zagg.money app, on the first ₹10,000 of cumulative UPI spend in a statement cycle
  • upi: 8%RuPay variant — UPI transactions via the zagg.money app, on incremental spend past ₹10,000 in the same statement cycle
  • upi: 2%RuPay variant — UPI transactions via any other UPI-enabled app
  • everything-else: 2%RuPay variant — all other eligible retail transactions
  • everything-else: 8%Visa variant — contactless transactions up to ₹5,000 each
  • other-online: 4%Visa variant — e-commerce transactions
  • everything-else: 2%Visa variant — all other eligible retail transactions

Minimum transaction ₹500 to earn; capped at 2,000 points/statement cycle; points valid 24 months from accrual; minimum 1,000 points required to redeem, posting as a statement credit within 30 days.

Eligibility

Minimum age
21 years
Employment
salaried, self-employed

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 31 August 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge
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