AU Small Finance BankRuPay / Visa Network

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Direct Bank Application via Official Issuer Portal

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2026 Edition4.0/5 Editorial Score

AU Zaggle Credit Card

Automated Enterprise Expense Automation & Commercial Business Procurement

Best Suited For

SME proprietors, commercial purchasing, and Zaggle expense management

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Joining Fee

₹499

One-time upfront

Annual Fee

₹499

Waived on ₹1 lakh annual spend

Base Rewards

1% on all standard retail transactions

On eligible spends

Forex Markup

3.49% + GST

Cross-currency spends

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Last verified 12 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.0/5 Editorial Score

The AU Zaggle Credit Card is an enterprise commercial payment tool created through a partnership between AU Small Finance Bank and Zaggle, India's leading corporate expense automation SaaS company. The card's primary advantage is seamless operational synchronization: transactions executed on the card are instantaneously ingested into the Zaggle enterprise portal, matching digital receipts, automating approvals, and generating structured GST Input Tax Credit (ITC) reporting for corporate accounting teams. Cardholders earn 2 reward points per ₹100 spent on commercial travel, IT software, and office supplies, along with 1% fuel surcharge waivers across domestic pumps. The card carries an annual fee of ₹499, which is waived upon spending ₹1,00,000 annually. Weaknesses include corporate tie-up prerequisites, standard 3.49% forex charges, and lack of complimentary airport lounge access. For growing businesses seeking disciplined expenditure governance without onerous manual bookkeeping, this card delivers potent administrative value.

Ideal For:SME proprietors, commercial purchasing, and Zaggle expense management

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Card Strengths

Zaggle Platform Integration: Automated digital receipt capture, expense approvals, and seamless GST audit filing.
2X Enterprise Procurement Rewards: Earn double reward points on office software, cloud tools, and corporate travel.
Achievable ₹1,00,000 Fee Waiver: Annual fee of ₹499 is reversed upon spending ₹1,00,000 in a card anniversary year.
Granular Corporate Controls: Set custom spending limits, transaction parameters, and merchant restrictions per card.
1% Fuel Surcharge Waiver: Save on company vehicle refuelling with 1% waiver on transactions between ₹400 and ₹5,000.

Things to Keep in Mind

Requires Zaggle Platform Association: Approval typically requires business registration or existing Zaggle account linkage.
No Airport Lounge Access: Card does not provide complimentary access to domestic or international airport lounges.
Standard 3.49% Forex Markup: International corporate travel incurs standard cross-border transaction fees.
Reward Redemption Fee: Nominal handling fee applicable when redeeming accumulated reward points for vouchers.

Additional Cardholder Privileges

Rewards

8% Zagg Coins on zagg.money UPI When Spends Through zagg.money Exceed ₹10,000 In A Statement Cycle (RuPay Variant); 4% Zagg Coins on zagg.money UPI Spends (RuPay Variant); 8% Zagg Coins on Tap & Pay Transactions Between ₹500 and ₹5,000 (Visa Variant)

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: AU Zaggle Zagg Coins
Reward Currency: Zagg Coins
Base Earn Rate: 1% on all standard retail transactions
Point Value (INR): ₹1.0000 per point
Redemption Channels: Redeem directly via Zaggle platform for travel, vouchers, and statement credit.
Reward Point Expiry: Coins valid for 2 years.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Commercial UPI & Zaggle Spends	Up to 8% in Zagg Coins on commercial UPI spends and Zaggle platform purchases (capped at 2,500 Coins/cycle)	2,500 Other Points / statement cycle	Standard terms apply
Corporate & Business Spends	1% valueback on business expenses	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Commercial UPI & Zaggle Spends8.00%

Cap: ₹2,500/statement_cycle

₹

Corporate & Business Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Commercial UPI & Zaggle Spends	₹6,000	Up to 8% in Zagg Coins on commercial UPI spends and Zaggle platform purchases (capped at 2,500 Coins/cycle)	—	₹2,500/statement_cycle	Calculating...	Under cap
Corporate & Business Spends	₹6,000	1% valueback on business expenses	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹499
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹1 lakh annual spend
Fee Terms Notes: Lifetime Free co-branded credit card in partnership with Zaggle.

2. International Spends

Foreign Currency Markup (Forex): 3.49% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.00% per month
Annualized Interest Rate (APR): 36.00% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Key Terms & Conditions for AU Zaggle Credit Card: • Corporate Partnership: Co-branded commercial card issued to SMEs, business owners, and corporate employees registered with Zaggle. • Joining & Annual Fee: ₹499 + GST; annual renewal charge reversed on cumulative annual commercial spends exceeding ₹1,00,000. • Zaggle Platform Integration: Automated digital receipt scanning, expense workflow approval, and GST input tax credit filing via Zaggle Zatiq. • Reward Accrual: Earn 2 reward points per ₹100 on corporate travel, office software, and vendor procurement; 1 point per ₹100 on standard retail. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across domestic fuel pumps. • Finance Charges: 3.00% per month (36.0% annualized) on overdue revolving balances.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding AU Zaggle Credit Card application, fees, reward redemption, and eligibility

What is the primary benefit of the AU Zaggle Credit Card?

It synchronizes directly with the Zaggle SaaS platform to automate business expense reporting, digital receipt matching, and corporate GST tax filing.

What is the annual fee for the AU Zaggle Credit Card?

The annual fee is ₹499 plus GST, which is completely waived if you spend ₹1,00,000 or more in the previous anniversary year.

How many reward points do I earn on corporate purchases?

You earn 2 reward points per ₹100 spent on commercial travel, IT software, and office supplies, and 1 point per ₹100 on other categories.

Does the AU Zaggle card include airport lounge access?

No, the card is focused on commercial expense automation and does not include complimentary airport lounge access.

What is the joining and annual renewal fee for AU Zaggle Credit Card?

The joining fee for AU Zaggle Credit Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on AU Zaggle Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹1 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on AU Zaggle Credit Card?

AU Zaggle Credit Card offers 1% on all standard retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does AU Zaggle Credit Card offer complimentary airport lounge access?

No, AU Zaggle Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.