fintech
Zagg Credit Card
Annual Fee
Lifetime FreeBase Reward
3% points
Foreign Markup
3.5%
Product Highlights
- No joining or annual fees
- 3% Zagg coins on UPI transactions
- 40% off on food delivery
- Buy 1 Get 1 free movie tickets
Category Rewards
Specialty
3% Zagg Coins on UPI via Zagg app
3X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
District
Buy 1 Get 1 Free
BookMyShow
Buy 1 Get 1 Free
Swiggy
40% Off
Zomato
40% Off
Reward Calculator
Earns ₹1,680/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.7K
Zagg Coins
₹1.7K
via standard
Effective rate
1.08%
Annual fee
FREE
Year 1 net
+₹1,680
Year 2+ net
+₹1,680
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3% Zagg Coins on every UPI transaction made through the Zagg app. Get 40% off on food orders from Swiggy and Zomato. Enjoy buy one get one free movie tickets on District and BookMyShow.
- 1 Zagg Coin = ₹0.25
Benefits & Features
Domestic: 2 Visits Per Calendar Quarter (Spend of at least ₹50,000 in the Previous Quarter) 2 complimentary domestic lounge visits per calendar quarter based on previous quarter's spend.
Pros & Cons
Pros
- No joining or annual fees
- Discount on food delivery apps
- Domestic lounge access
Cons
- No milestones or welcome benefits
- Limited rewards for high spenders
Additional Info
Ideal for beginners
Focus on UPI transactions and food delivery
Maximum amount of coins equals 1.5% of your total credit limit.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks