AU Zaggle Credit Card

Joining feeAnnual feeRenewal fee

₹0

Add-on card fee

Additional Card Fee: Lifetime Free.

Reward rate

4% Zagg Coins on zagg.money UPI spends (8% once zagg.money spends exceed ₹10,000 in a statement cycle); 2% on UPI via other apps; 8% on Tap & Pay transactions between ₹500 and ₹5,000 (2% above ₹5,000); 4% on Ecom spends with the Visa card, 2% with RuPay; 2% on POS spends; 1 Zagg Coin = ₹0.25; maximum 2,000 Zagg Coins per statement cycle

Fuel surcharge waiver

1% fuel surcharge waiver; up to ₹100 per statement cycle; applicable on spends between ₹400–₹5,000

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Forex markup

3.49% on foreign currency transactions.

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due, minimum ₹10, maximum ₹1,300

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Age the primary cardholder must be

Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years; Resident Indian.