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Zagg Money review

Updated October 17, 2026 · SumCue Editorial Team

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Zagg Money says UPI payments to merchants can only be made from the linked credit card.

Key facts

Best for
Zagg Money India cardholders using a linked credit card for UPI merchant payments
Annual fee
₹499↗
Rewards type
Points↗
Rewards rate
Upto 8% Zagg Coins on UPI, contactless spends↗
Perks
Upto 8% Zagg Coins on UPI, contactless spends↗
Card kind
Credit↗
Legal entity
Rivpe Technology Private Limited↗
Features
Rewards
Official website
zagg.money

Facts checked October 17, 2026, 4 sources

Pros and cons

Pros

  • Designed for everyday spending on digital payments
  • Clear, plain card structure for India
  • Simple setup for digital-first users

Cons

  • Payments to merchants through digital apps are tied to one linked credit card
  • Usefulness depends on which spending categories qualify
Zagg Money

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Indian residents who use digital apps for everyday payments
  • Digital-first card users who like to manage spending in one online place

Who should look elsewhere

  • Customers who want merchant payments from another route than a credit card
  • Users who want to avoid any reliance on a single linked card

Everyday

Zagg Money says UPI payments to merchants can only be made from the linked credit card. At checkout, users choose UPI and enter their Zagg VPA.

What the card is and where it operates

Zagg Money is a credit card aimed at spending in India and managed through its mobile platform on iOS and Android. The card is linked to a partner bank, and its use follows that bank's terms. It is built around everyday categories such as app-based payments, online shopping, travel and groceries. Cardholders are individuals who hold the card and are registered users of the platform, and the platform's terms apply to every service it offers.

Terms and Platform Use

The platform terms cover the online services, the associated mobile and software tools, and the agreement users make when they use the service. By using it, a person agrees to be bound by the terms and to receive updates through several channels such as text messages, email and calls where required. Reading the terms carefully before starting is sensible, because they set out how the company may reach users and how changes are communicated over time.

Managing a Linked Credit Card

Because the card is connected to digital payments, keeping its details up to date matters for smooth use. Users should check that the linked card reflects their current situation and that their digital payment settings match what they intend. Regularly reviewing transactions helps spot errors early, and it keeps the arrangement clear when several categories of spending are involved. Keeping a simple routine makes the arrangement easier to manage over the long term.

Who Benefits From This Card

The card fits people who are already comfortable with digital payments and who spend often through app-based and online channels. Those who use it mainly for everyday items may see the most benefit from its category structure. Users who rarely shop online, or who prefer other payment methods, will find less reason to choose it. Weighing these habits against the terms before committing gives a clearer picture of whether this card suits daily life.

Our full take

Zagg Money offers UPI credit cards with cashback and rewards, including the AU Zaggle, PNB Zaggle Twin and YES BANK Zagg credit cards.

How Zagg Money compares

Frequently asked questions

Which types of spending does the Zagg Money card cover?+

The card is built for regular spending, including app-based payments, contactless spends, online shopping, travel and groceries. Its use covers routine purchases as well as larger trips, so it works as a general option for everyday expenses across several kinds of shopping and travel.

Which spending categories give the most benefit?+

The category structure varies, with the highest benefit usually linked to digital and contactless spending, followed by online shopping and then other spending. Checking the category details helps users match their habits to a suitable arrangement before relying on the card for regular spending.

Which company operates Zagg Money?+

Zagg Money is operated by Rivpe Technology Private Limited. (Source, checked October 17, 2026)

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.

Zagg Money

Zagg Money

Zagg Money India cardholders using a linked credit card for UPI merchant payments

8.5/10Visit