- AU Small Finance Bank (AU SFB) has partnered with Zaggle Prepaid Ocean Services Ltd. to introduce the AU Zaggle Co-Branded Retail Credit Card, offering customers a combination of flexible rewards, cashback, and personalized benefits.
- Available on both Visa and RuPay payment networks, the new card is designed to enhance everyday spending through a digital-first rewards ecosystem.
- The launch reflects the growing trend of co-branded credit cards that offer tailored benefits based on customer spending patterns.
Dual Network Choice: Visa and RuPay
- The AU Zaggle Co-Branded Retail Credit Card is available on both Visa and RuPay networks, allowing customers to choose the payment network that best suits their preferences.
- The RuPay variant also enables seamless UPI-based credit card payments at supported merchant QR codes, making digital transactions more rewarding.
Earn Zagg Coins on Everyday Spending
- One of the standout features of the card is the “Zagg Coins-to-Cashback” rewards programme.
- Cardholders can earn accelerated Zagg Coins on UPI transactions, Contactless payments, Everyday retail purchases and Eligible promotional spending categories
- The accumulated Zagg Coins can be redeemed as cashback through the zagg.money mobile application.
- Once redeemed, the cashback amount is directly credited to the customer’s credit card account, offering a simple and transparent rewards experience.
Higher Cashback Through Spend Milestones
- Apart from regular rewards, customers can unlock additional cashback by achieving predefined spending milestones.
- This feature encourages regular card usage while offering greater value to high-spending customers.
Personalized Benefits with Value Passes
- The new credit card introduces subscription-based Value Passes, allowing users to customise benefits according to their lifestyle and spending habits.
- Instead of offering a standard reward structure to every customer, the Value Pass model enables users to select benefits that match their personal preferences, making the card more flexible and relevant.
Flexible Rewards for Modern Consumers
According to AU Small Finance Bank, the partnership combines its banking expertise with Zaggle’s digital rewards platform to create a more engaging customer experience.
Zaggle believes the future of credit cards lies in:
- Personalization
- Flexibility
- Lifestyle-based rewards
- Digital-first customer engagement
The company expects the innovative Value Pass ecosystem to redefine how retail customers interact with credit cards.
Digital Rewards Ecosystem
- Zaggle operates as a Spend Management and SaaS-led fintech platform, providing digital payment, expense management and rewards solutions to businesses and consumers.
- Through this collaboration, customers gain access to an integrated rewards ecosystem that simplifies redemption while maximizing everyday savings.
Key Features of the AU Zaggle Co-Branded Credit Card
- Available on Visa and RuPay networks
- Accelerated Zagg Coins on eligible transactions
- Cashback redemption through the zagg.money app
- Direct cashback credit to the card account
- Rewards on UPI and contactless payments
- Higher cashback after achieving spending milestones
- Subscription-based Value Passes for personalized benefits
- Flexible digital rewards ecosystem
Strengthening India’s Digital Payments Landscape
- The launch comes at a time when digital payments, contactless transactions, and UPI-based credit card usage are witnessing rapid growth in India.
- By combining banking services with fintech-driven rewards and personalization, AU Small Finance Bank and Zaggle aim to provide customers with a smarter, more rewarding credit card experience that aligns with modern spending habits.