Zagg Credit Card - YES Bank
Issued by YES BANK
The Zagg Credit Card is issued by YES BANK and used through the Zagg app, run by Rivpe Technology Private Limited. It earns Zagg Coins on spends made via Zagg UPI. It suits users who pay mainly by UPI and want a card without joining or annual fees.
Joining fee
Free
Annual fee
Free
Fee waiver
Cards issued before 10 Jan 2025 carry an annual fee of ₹399 + GST, waived on annual spends of ₹1,80,000
Finance charge
47.88% p.a.
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- 3% Zagg Coins on spends via Zagg UPI, per Zagg's site
- Credit limit up to ₹5 lakh, per Zagg's site (actual limit set by the bank)
- Complimentary domestic lounge access in a quarter after spending ₹50,000 in the previous quarter
- 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle
- Foreign currency mark-up of 3.50%
Best for
UPI spenders wanting a no-fee card
Pros
- No joining or annual fee for cards issued from 10 Jan 2025
- Rewards on UPI spends through the Zagg app
- Spend-based domestic lounge access
Cons
- Finance charges of 3.99% per month (47.88% annually) on revolving credit
- Lounge access depends on meeting a quarterly spend threshold
- Zagg Coins are earned only on spends via the Zagg UPI platform
Frequently asked questions
Is the Zagg YES BANK credit card free?
YES BANK's MITC lists Nil joining and annual fees for Zagg. Cards issued before 10 January 2025 carry a ₹399 + GST annual fee, waived on annual spends of ₹1,80,000.
What is the interest rate?
YES BANK's MITC lists 3.99% per month (47.88% annually) for this card.
How do I get lounge access?
Spend ₹50,000 or more in a calendar quarter to qualify for complimentary domestic lounge access in the next quarter.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by YES BANK, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.