💳 Zagg Referral Code: Z112IT | Lifetime Free UPI Credit Card with Rewards
If you’re searching for a working Zagg Referral Code, use Z112IT to unlock one of India’s most interesting fintech products right now — a lifetime free UPI credit card powered by YES Bank.
👉 Apply using this link:
Apply Zagg Referral Code: Z112IT
Zagg is positioning itself as a UPI-first credit card, designed for users who primarily pay via UPI but still want credit card benefits, rewards, and lounge access — without paying any joining or annual fees.
Must Read: Jupiter App Referral Code: T6ZHgr | Zero Balance Account Benefits
⭐ What Is the Zagg Referral Code?
The Zagg Referral Code is a signup code that gives new users extra benefits when applying for the Zagg UPI Credit Card.
🔹 Zagg Referral Code: Z112IT
Using this code helps you:
- Get 500 Zagg Coins as a welcome bonus
- Unlock referral-only onboarding benefits
- Start earning rewards faster
There’s no downside to using a referral code — only upside.
🎁 Benefits of Using Zagg Referral Code: Z112IT
When you sign up using this referral code, you unlock:
✅ 500 Zagg Coins Welcome Bonus
These coins can be redeemed against rewards, offers, or future benefits inside the Zagg ecosystem.
✅ Lifetime Free Credit Card
- ₹0 joining fee
- ₹0 annual fee
- No hidden renewal charges
This alone makes Zagg attractive.
✅ UPI Credit Card Functionality
Pay via UPI using a credit line, not your bank balance.
✅ Rewards on UPI Spends
You earn 3% Zagg Coins on eligible UPI transactions.
✅ Complimentary Airport Lounge Access
A rare benefit for a free UPI credit card.
🏦 What Is Zagg? (Simple Explanation)
Zagg is a fintech platform offering a UPI-enabled credit card, issued in partnership with YES Bank on the RuPay network.
In simple terms:
Zagg lets you pay via UPI, but the money comes from a credit card, not your savings account.
This is useful because:
- You don’t block your bank balance
- You get an interest-free credit period
- You earn rewards on UPI spends
- You build a credit history
🔍 Why Zagg Is Different from Other Credit Cards
This is where most blogs miss the point.
🔹 1. UPI-first approach
Traditional credit cards focus on swipes.
Zagg focuses on UPI payments, which most Indians actually use daily.
🔹 2. Rewards on UPI (Rare Feature)
Most credit cards:
- Don’t reward UPI
- Or exclude it entirely
Zagg offers 3% Zagg Coins on UPI spends, which is a big deal.
🔹 3. Lifetime free by design
No “free for first year” tricks.
🔹 4. Clean, app-based control
Everything is managed via the app — limits, usage, rewards.
💰 Zagg Credit Limit Explained
Zagg offers a credit limit up to ₹5,00,000, subject to:
- Your credit score
- Income profile
- Internal risk assessment
This makes it suitable for:
- Salaried professionals
- Freelancers with good credit
- Young users building credit history
🪙 Zagg Coins: How Rewards Actually Work
Zagg doesn’t use complicated reward points.
✔ Earn Zagg Coins on:
- UPI spends
- Eligible transactions
- Promotional campaigns
✔ Example:
If you spend ₹10,000 via UPI:
- You may earn up to 3% = 300 Zagg Coins
Coins can be redeemed for:
- Offers
- Benefits
- Future rewards (as Zagg expands)
Important insight:
This model is similar to cashback, but more flexible long-term.
📲 How to Apply Using Zagg Referral Code Z112IT
Step-by-step process:
1️⃣ Download the app
2️⃣ Sign up with mobile number
3️⃣ Enter Zagg Referral Code: Z112IT
4️⃣ Complete KYC (PAN + Aadhaar)
5️⃣ Credit assessment by YES Bank
6️⃣ Get virtual card + UPI setup
7️⃣ Start paying via UPI using credit
The entire process is digital and fast.
✈️ Airport Lounge Access (Yes, Even on a Free Card)
Zagg offers complimentary airport lounge access, which is rare for:
- UPI credit cards
- Lifetime free cards
Access terms may vary by airport and usage, but the inclusion itself adds strong value.
🔐 Is Zagg Safe & Legit?
Yes.
- Issued by YES Bank (RBI-regulated)
- RuPay credit card network
- Secure KYC process
- App-based controls
Your money and credit line are handled by a licensed bank, not a random startup.
👤 Who Should Use Zagg?
Zagg is ideal for:
- Heavy UPI users
- People who want rewards on UPI
- Users avoiding paid credit cards
- First-time credit card holders
- Young professionals
- People wanting lounge access without fees
🚫 Who Should Skip Zagg?
You may skip if:
- You don’t use UPI
- You want premium travel cards with luxury benefits
- You already have multiple high-end cards
Zagg works best as a daily UPI + backup credit card.
🔄 Zagg Refergg Refer & Earn Program
Once approved, you get your own referral code.
You earn:
- Zagg Coins
- Referral benefits
- Early access to new offers
Referral earnings depend on active campaigns.
📌 Zagg Referral Code – Summary Table
| Feature | Details |
|---|---|
| Referral Code | Z112IT |
| Card Type | UPI Credit Card |
| Issuer | YES Bank |
| Network | RuPay |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Welcome Bonus | 500 Zagg Coins |
| UPI Rewards | Up to 3% |
| Credit Limit | Up to ₹5,00,000 |
| Lounge Access | Yes |
❓ FAQs – Zagg Referral Code
Q1. What is the Zagg Referral Code?
Zagg Referral Code is Z112IT
Q2. Is Zagg lifetime free?
Yes, no joining or annual fee.
Q3. Does Zagg work on UPI?
Yes, it’s a UPI-first credit card.
Q4. Is Zagg issued by a bank?
Yes, powered by YES Bank.
Q5. Do I earn rewards on UPI?
Yes, up to 3% Zagg Coins.
🏁 Conclusion
Using the Zagg Referral Code (Z112IT) is a smart move if you want:
- A lifetime free credit card
- UPI payments on credit
- Rewards on everyday UPI spends
- Lounge access without fees
Zagg fits perfectly into India’s UPI-heavy lifestyle and solves a real gap that traditional credit cards ignore.
For daily UPI users, Zagg is genuinely worth trying.
