About zagg.money
Credit cards, UPI, cashback, and rewards, brought together to make everyday spending simpler, smarter, and more rewarding.
What we do
We’re building financial products around the way people actually spend today, helping users pay with ease, access credit, and get more value from eligible transactions.
We also believe financial products shouldn’t be confusing. That’s why we focus on simple, easy-to-use experiences that help people make better financial decisions every day.
Our mission
Millions of people use UPI and credit cards every day, but many still don’t get the full value their spending can offer. We want to change that by helping users make smarter payment choices, earn better rewards, and build healthier financial habits.
At zagg.money, we believe good financial products should save people both time and money, without creating more complexity.
Why zagg.money?
The way we pay has changed. UPI has made payments instant and effortless, while credit gives people greater flexibility in how they spend.
zagg.money brings these experiences together with meaningful rewards, giving users more ways to pay and more value from eligible spending.
Pay smarter. Use credit better. Get rewarded.
Who’s behind it
Behind the app, there’s a full ecosystem at work. Here’s who’s in it.
Parent company
zagg.money is a brand owned and operated by Rivpe Technology Private Limited, a wholly owned subsidiary of Zaggle. Zaggle is a listed fintech company with years of experience in spend management and rewards for businesses and consumers across India.
Banking partners
Our co-branded credit cards are offered in partnership with Punjab National Bank, AU Small Finance Bank, and YES BANK. Together with our banking partners, we bring credit and rewards into a simpler digital experience, delivering secure, reliable, and rewarding financial tools built for your everyday needs.
TPAP partners
Juspay serves as our technology service provider (TSP), helping enable seamless and secure payment processing, while RBL Bank is our payment service provider (PSP), supporting UPI transactions through the banking network.
Card network partners
Our cards run on the twin principles of convenience and coverage. RuPay enables eligible credit card payments through UPI, making everyday payments more convenient, while Visa provides broader acceptance beyond UPI.
UPI Settlement & ecosystem platform
UPI payments on zagg.money are processed through the NPCI-powered UPI ecosystem, helping deliver fast, secure, and reliable transactions.
Meet the leadership team
Co-Promoter, MD & CEO - ZaggleDirector - Rivpe Technology Pvt. Ltd.
Avinash is an international FinTech and payments leader with 20+ years of experience across 12 countries and 5 continents. He has held leadership roles across Digital Payments, FinTech, and Cash Management at institutions including Citibank, Barclays, and ING Bank.
He has been leading Zaggle as MD & CEO since 2012, guiding it to become one of India's few profitable FinTechs and successfully taking it public in September 2023. Prior to Zaggle, he launched and led the Citibank PremierMiles credit card in India.
Chief Business Officer - ZaggleDirector - Rivpe Technology Pvt. Ltd.
Saurabh has spent over two decades building and growing credit card and lending businesses across leading financial institutions, including Kotak Mahindra Bank and GE Money.
At Zaggle, he leads the Credit Cards & Lending Products business, with a focus on creating innovative and rewarding financial solutions. He enjoys sharing practical insights on credit cards, rewards, lending, and the trends shaping the future of personal finance in India.
Business Head - Rivpe Technology Pvt. Ltd.Product Head - Cards and Payments at Zaggle
Pranjal has spent nearly 20 years in the world of cards, payments, and digital banking, working with institutions such as Deutsche Bank, Kotak Mahindra Bank, and IDFC FIRST Bank.
At Zaggle, she leads Product & Portfolio for Cards & Payments, helping build financial products that make everyday transactions simpler and more rewarding. She is passionate about demystifying payments and fintech and helping people understand how the right financial tools can create more value in their daily lives.
Our principles
Every feature, reward, and experience is designed to make managing your UPI on credit card simpler and more rewarding.
No confusing terms or hidden surprises. We believe users should always know how things work.
Your security and privacy are at the core of everything we build, so you can use zagg.money with confidence.
Rewards should be easy to earn and even easier to understand. We focus on making every eligible spend more valuable.
We continuously listen to feedback and improve our products to deliver a better experience every day.
Why you can trust us
Financial products require trust. We take that responsibility seriously.
We use multiple layers of security to help safeguard your data and transactions.
Sensitive information is encrypted to help keep your personal and financial data secure.
Your actual card details are not shared during eligible tokenized transactions, helping reduce the risk of fraud.
We handle your personal information responsibly in line with our privacy practices.
Review our privacy policyWe work with trusted banking and network partners and follow applicable regulatory and industry standards.
Our commitment to financial education
We believe better financial decisions start with better financial knowledge.
That’s why we regularly publish easy-to-understand guides, articles, and explainers on UPI, credit cards, rewards, digital payments, and personal finance.
Our goal isn’t just to build great financial products, it’s to help people understand how to use them confidently and responsibly.
Building for what comes next
Payments are changing. Credit is evolving. And the way people expect to be rewarded is changing too. zagg.money is building for what comes next.
Ready to make every transaction count?
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