M16S / AU Small Finance Bank / AU Zaggle Credit Card
entry · cobrand, upi, lifetime-free, rewards
AU Zaggle Credit Card
The AU Zaggle Credit Card charges no annual fee and no joining fee. Its base return is 0.5%. The forex markup is 3.49%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free. Applicant picks one network variant. |
Rewards
| Reward currency | Zagg Coins |
|---|---|
| Base earn | 2% in Zagg Coins on POS and other UPI apps (2 coins per Rs 100) |
| Base return | 0.5% |
| Point value | 1 Zagg Coin = Rs 0.25 |
| Accelerated earn | RuPay: 4% on UPI via zagg.money, 8% only once zagg.money UPI spends exceed Rs 10,000 in the cycle; 2% e-commerce. Visa: 8% on tap & pay transactions of Rs 500-5,000 (2% above Rs 5,000); 4% e-commerce. |
| Caps | 2,000 Zagg Coins per statement cycle (Rs 500 of value); only transactions of Rs 500+ earn |
| Spends that earn nothing | Transactions under Rs 500; reversed or ineligible transactions. No category list on the page. |
| Points expiry | 2 years from the statement credit month |
| Reward notes | Minimum redemption 1,000 coins, paid as cashback via the zagg.money app, posted within 30 days. Headline 2/4/8% are coin percentages; rupee value is a quarter of that. base_return_pct = 2 coins per Rs 100 x Rs 0.25. Redemption fee Rs 99 + GST per Card Insider. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Apply via the zagg.money app. Monthly cap means maximum reward value is Rs 500 per cycle. Forex markup from Card Insider. |
Questions
- What is the annual fee of the AU Zaggle Credit Card?
- No annual fee.
- Does the AU Zaggle Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the AU Zaggle Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Zaggle Credit Card?
- Transactions under Rs 500; reversed or ineligible transactions. No category list on the page.