Zagg Money review
Updated October 17, 2026 · DebitCue Editorial Team
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Our verdict
Zagg in India describes card activation in its app as the step that sets up UPI, followed by Scan & Pay for merchant purchases. Bank-specific Zagg variants should be treated separately.
Key facts
- Best for
- Indian Zagg users who want app-based activation and UPI merchant payments.
- Annual fee
- ₹499 (Source, checked October 17, 2026)
- Rewards type
- Points (Source, checked October 17, 2026)
- Rewards rate
- Upto 8% Zagg Coins on UPI, contactless spends (Source, checked October 17, 2026)
- Perks
- Upto 8% Zagg Coins on UPI, contactless spends (Source, checked October 17, 2026)
- Card kind
- Credit (Source, checked October 17, 2026)
- Legal entity
- Rivpe Technology Private Limited (Source, checked October 17, 2026)
- Features
- Rewards
- Official website
- zagg.money
Pros and cons
Pros
- The app supports UPI setup and Scan & Pay merchant purchases.
Cons
- Terms differ by bank-specific Zagg variant.
Who it suits
- Indian Zagg users who want app-based activation and UPI merchant payments.
Who should look elsewhere
- Users assuming every bank-specific Zagg version has the same terms.
Scan and pay
The Zagg UPI app includes Scan & Pay for merchant payments.
Routine spending categories
Online shopping, travel and groceries sit at the heart of this card's purpose. Everyday purchases in these areas are the kind the card is designed to handle, and the same app tracks them alongside other spending. Cardholders who buy regularly online or plan trips will find the categories familiar. Groceries and daily needs are part of the picture too, so one card can cover a household's routine without switching between separate tools. The mix of categories is broad enough to suit many different spending habits.
Who runs the platform
The Zagg platform is run by Rivpe Technology, a private limited technology company. It works with partner banks, and each card offered through the platform is issued by a regulated financial institution. The business also offers spend analysis, a combined view of several financial accounts and insurance products where these are permitted. Some services come directly from the company, while others come through a partner bank or a contracted third party.
Identity checks and partner terms
Identity checks are part of getting started, and the platform's know your customer policy explains how users are verified and how prohibited or illegal activity is reported. Users agree to receive updates through several channels and accept revised terms simply by continuing to use the service. Because each card is linked to a partner bank, questions about how a card works follow that bank's own card terms rather than the platform's. Reading those partner terms before relying on the card helps avoid surprises later.
Our full take
Zagg Money offers a lifetime free UPI credit card with cashback and rewards.
How Zagg Money compares
8.5 vs 9.0
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Zagg Money vs Current Build Card8.5 vs 9.4
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Frequently asked questions
Who is the Zagg credit card designed for?+
People whose spending is spread across online shopping, travel, groceries and daily needs are the natural audience for this card. It gathers many routine purchases into one option, so a varied pattern of spending stays under a single roof. Someone who wants one card that handles everyday categories without needing a separate card for each is well placed to consider it. The breadth of those categories is the main reason it draws attention.
Which company runs the Zagg platform?+
The Zagg platform is run by a private limited technology firm that works with partner banks to offer its cards and payment services. Each card is issued by a regulated financial institution. The platform also includes spend insights and financial aggregation, so users can view their money in one place.
Which services are included in the platform?+
The platform covers credit, debit, prepaid and gift cards, payments through the national payment system and QR codes, spend analysis, and a combined view of finances. Insurance products are also included where local rules allow them. Each service is provided either directly or through a partner bank or contracted third party, depending on the product involved.
Sources
- zagg.money checked October 17, 2026
Backs: Annual fee, Features, Rewards rate, Perks, Description
“Joining & Annual fees ₹499”
- zagg.money/credit-card-documents checked October 17, 2026
Backs: Card kind
“Key Fact Statements and Most Important Terms and Conditions for Zagg co-branded credit cards”
- zagg.money/faqs checked October 17, 2026
Backs: Rewards type
“Zagg Coins are the rewards you earn by transacting with your Zagg Card.”
- zagg.money/terms-and-conditions checked October 17, 2026
Backs: Legal entity
“This website is owned by Rivpe Technology Private Limited”
Compiled from 4 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.