zagg.money: UPI & Credit Cards

RIVPE TECHNOLOGY PRIVATE LIMITED

About this app

At zagg.money, we believe financial products should be simple, transparent, and useful. Your everyday payments should be easy, and your rewards should be real.

That's why zagg.money brings UPI payments and credit cards together in one app. You get cashback and Zagg Coins on every eligible transaction, with credit cards built around how you spend.

Trusted by 2 Million+ active users, with 1.5 Crore+ transactions and counting on the platform.

Why choose zagg.money?
• Rewards on daily spends: Earn real cashback and Zagg Coins on your everyday merchant payments.
• Seamless UPI: Scan and pay at your local shops and favorite apps.
• Cards that match your lifestyle: Choose from RuPay and Visa credit cards built around how you spend.
• Direct-to-bank cashback: No confusing reward catalogs, redeem straight to your bank account.
• One simple app: Manage your credit cards, spends, and rewards without switching apps.

UPI Payments
Pay with UPI. Get rewarded.

Make eligible merchant UPI payments through zagg.money using your RuPay credit card or savings account, and earn applicable cashback or rewards on eligible transaction through:

• Scan & Pay
• UPI Lite
• UPI on RuPay Credit Cards
• AutoPay Management
• Money transfer to any UPI ID or bank account

Peer-to-peer transfers are free to use but do not earn rewards, in line with NPCI guidelines.

Offers & Rewards: On our UPI, we love running guaranteed cashback rewards on your everyday merchant scans. Even better, you can stack your savings by combining limited-time festive deals, seasonal specials, and new-user bonuses all at once.

Bank-Grade Security & Privacy: Protected by multi-layered encryption compliant with NPCI and RBI standards. Backed by ISO 27001-certified systems, your UPI PIN and sensitive credentials are encrypted end-to-end.

Credit Cards
Our Credit cards are built around the way you spend.

AU Zaggle Credit Card
Available in RuPay and Visa variants, each with its own reward structure and lifestyle passes.

RuPay Variant
• 4% Zagg Coins on eligible zagg.money UPI spends up to ₹10,000.
• Earn a massive 8% on incremental eligible UPI spends above ₹10,000.
• Rewards on eligible ECOM, POS, and contactless spends.

Visa Variant
• 8% Zagg Coins on eligible contactless spends.
• 4% Zagg Coins on eligible ECOM spends and 2% on POS spends.

The biggest advantage of this card is you can switch between subscription based value passes, Utility, Earn More, Everyday, or Movie, as your spending changes.

PNB Zaggle Twin Credit Card
This card comes with both RuPay and Visa variants to give you maximum flexibility.

RuPay variant
• Earn Reward Points spent across eligible categories.
• Fuel surcharge waivers
• Domestic and international lounge access
• Unlock a ₹1,500 MakeMyTrip coupon per quarter, Cult.fit and Prime/Hotstar subscriptions, plus an activation voucher up to ₹250 for Amazon, Swiggy, or Flipkart.
• Offers across selected partner brands

Visa variant
• Reward Points on eligible spends
• Fuel surcharge waivers
• Additional Visa-exclusive travel, and lifestyle benefits
• Activation and partner offers

Zagg YES Bank RuPay Credit Card
A card for your everyday UPI scans. With zero annual fees and rewards on transactions.

• Flat 3% rewards on eligible Scan & Pay UPI transactions through zagg.money
• Rewards on eligible everyday transactions
• Offers across popular brands and entertainment platforms
• Complimentary domestic lounge access, subject to applicable spend criteria

Frequently Asked Questions

How do Zagg Coins work, and how can I redeem them?
Zagg Coins are earned on eligible Credit Cards and UPI spends. 1 Zagg Coin = ₹0.25, redeemable directly into your account.

How do I apply for a credit card?
Apply in-app, pick your partner bank (AU Small Finance Bank, PNB or YES Bank) and complete digital KYC. Approval rests with the issuing bank.

What’s new

RIO IS NOW ZAGG 🎉
- New app name
- Updated logo and app icon
- Minor performance improvements and bug fixes
- Your experience remains the same—just with a new name.