◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
AU · RuPay / Visa

AU Zaggle

Best forInsurance & Utilities
Earns2-4 Zagg Coins/₹100 Points/₹100 on insurance
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay / Visa

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on insurance and utilities, where it earns 2-4 Zagg Coins/₹100 Points/₹100
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Insurance2-4 Zagg Coins/₹100 Points/₹100
Utilities2-4 Zagg Coins/₹100 Points/₹100
Groceries2-4 Zagg Coins/₹100 Points/₹100
Dining2-4 Zagg Coins/₹100 Points/₹100
Food Delivery2-4 Zagg Coins/₹100 Points/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Utilities2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Dining2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Food Delivery2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Shopping2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Travel2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
GovernmentNot eligible—AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance)
Details
Status
Verified — not eligible
Issuer note
AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance). Product-page V8 record previously showed 1 RP/₹100.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
FASTag2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Jewellery2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.
Telecom2-4 Zagg Coins/₹100 Points/₹1002,000 ZAGG_COINS per statementAU Zaggle: RuPay UPI 4-8 Coins/₹100
Details
Status
Verified
Source
SRC-AU-ZAGGLE
Issuer note
AU Zaggle: RuPay UPI 4-8 Coins/₹100; Visa contactless 8 then 2 Coins; ECOM 4/2. ₹500 floor & 2,000 coin cap remain SECONDARY_VERIFIED.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Multiple — 2,000 ZAGG_COINS / statement (aggregate (all categories))

Key benefits

Rewards
2-4 Zagg Coins/₹100 Points/₹100 on insurance

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 2,000 ZAGG_COINS / statement (aggregate (all categories))
  • No reward on: Rent, Education, Fuel, Wallet
  • Not eligible: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • Multiple — 2,000 ZAGG_COINS / statement (aggregate (all categories))
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Government — Not eligible. AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance).
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay / Visa
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas

3 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — AU Zaggle Official Product Documentation · SRC-AU-ZAGGLE · 2026-09-23
Current May 2026 cardmember agreement; Zenith+ special-category caps/rules · SRC-24
AU ZaggleLifetime free