Credit Cards · Honest Review

ZAGG RuPay Credit Card

Zagg · RuPay

₹499Annual fee
2.00%Base rate
₹20KMin income/mo
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Your Verdict

ZAGG RuPay Credit Card
Zagg · RuPay
  • ✓20% cashback on Swiggy and Zomato food delivery
  • ✓10% cashback on online shopping
  • ✓Flat 2% cashback on all other spends
  • ✓UPI credit card — works on all RuPay-supported apps
  • ✓₹499 fee waived at ₹1L annual spend
₹499/yrAnnual fee
₹499
Annual fee
2.00%
Base reward rate
None
Lounge access
Good
CIBIL score
Our verdict
The ZAGG RuPay Credit Card is a fintech card with exceptional food delivery rewards — 20% cashback on Swiggy and Zomato (capped ₹500/month) and 10% on online shopping. With UPI credit capability, it's a strong companion card for food delivery enthusiasts.
Fees & charges

What ZAGG RuPay Credit Card costs you

ZAGG RuPay Credit Card carries a ₹499 annual fee. The annual fee is waivable: Spend ₹1L/year.

FeeAmount
Annual fee (year 2+)₹499
Joining fee (one-time)Free — ₹0
Fee waiver conditionSpend ₹1L/year
Spend required for waiver₹1,00,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

ZAGG RuPay Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on dining & food, online shopping and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)2.00%
🍽️ Dining & Food20% (cap ₹500/mo)
🛒 Online Shopping10% (cap ₹250/mo)
20%
Dining & Food
Cap ₹500/mo
10%
Online Shopping
Cap ₹250/mo

Reward types: Cashback

Benefits & perks

Beyond the reward rate

The non-reward benefits on ZAGG RuPay Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
No lounge access
This card does not include airport lounge access.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for ZAGG RuPay Credit Card

ZAGG RuPay Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹20,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹20,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get ZAGG RuPay Credit Card

✅ Best for
  • → Heavy spenders on dining & food who want 20% back
  • → Heavy spenders on online shopping who want 10% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
Frequently asked questions

ZAGG RuPay Credit Card — Questions answered

What is the annual fee for ZAGG RuPay Credit Card?
The annual fee is ₹499 from year 2 onwards. The fee is waivable: Spend ₹1L/year.
What is the minimum income required for ZAGG RuPay Credit Card?
Salaried applicants need a minimum net monthly income of ₹20,000. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on ZAGG RuPay Credit Card for dining & food?
ZAGG RuPay Credit Card earns 20% on dining & food, capped at ₹500 per statement cycle. On all other spends, the base reward rate is 2.00%.
Does ZAGG RuPay Credit Card provide airport lounge access?
ZAGG RuPay Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on ZAGG RuPay Credit Card?
The annual fee on ZAGG RuPay Credit Card is automatically waived when you meet the spend threshold: Spend ₹1L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get ZAGG RuPay Credit Card approved?
Most applications for ZAGG RuPay Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.