AU Zaggle Credit Card
2% Zagg Coins at ₹0.25 each: 0.5% nominal statement value, not 2% cashback. Minimum ₹500 purchase, 2,000-point cycle cap. Lifetime-free.
Try your spend →How this estimate works
Conservative ordinary domestic retail baseline for AU Zaggle Visa or RuPay: the current issuer agreement gives 2% of eligible spend as Zagg Coins, one coin equals one reward point, and each point is worth ₹0.25 toward statement adjustment. That is 0.5% nominal card-bill value, not 2% cashback. Each payment must be at least ₹500, and total earn is capped at 2,000 points per statement cycle. One eligible purchase is repeated monthly with no other spending consuming the cap; coin quantities are conservatively rounded down. A minimum 1,000 points is required to redeem through zagg.money, with statement adjustment posted after 30 days. This model collects points for a year, deducts one issuer-wide ₹99+GST successful redemption fee, and quotes no redemption value below the annual minimum. Whether that general redemption fee is charged on the partner transfer is not separately specified, so the estimate conservatively includes it. Issuer July 2026 schedule and co-brand product lineup both identify no joining/annual fee. Points expire after 24 months. Higher zagg.money UPI, Visa contactless and online rates are omitted to keep one common baseline across networks. Fuel, rent, insurance, jewellery, wallet, cash, quasi-cash, education/government, tax, EMI, BBPS, transportation, utilities, partner offers and ambiguous payment routes are unscored. Rewards require eligible merchant classification and a usable zagg.money account; welcome, milestone and value-pass benefits are omitted.
Issuer and co-brand terms
AU Zaggle issuer earn, cap and statement redemption · AU cap and exclusions · Co-brand no-fee lineup · AU fee schedule
Terms checked 30 September 2026. Confirm the active offer, merchant coding and voucher availability before relying on the estimate.