Zaggle® vs Here by HDFC ERGO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zaggle®
Manage expenses, track allowances, and redeem rewards from a single platform. This app simplifies expense reporting, allows you to manage multi-wallet cards, and redeem company-issued rewards. It also facilitates vendor payments and offers discounted gift card purchases.
- Expense reporting and reimbursement tracking
- Manage meal, fuel, gift, and travel allowances
- Redeem company-issued Propel Rewards
- Manage Zaggle Gift Cards
- Purchase discounted gift cards
- Vendor payment management with Zaggle ZOYER
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Now report your expenses, manage your allowances and redeem your rewards from a single app. A. Expense Reporting at your finger tips! The extremely frustrating process of collecting bills, preparing an expense report, submitting the report, awaiting approvals and seeking reimbursement is a thing of the past. Zaggle Expense management on the app a. In case you have received a Zinger card, just add it to the App b. Create an expense report c. Capture and add bills to the report - whether paid through Zinger card or personal means d. Submit the report and track status e. And get notified the moment the report is approved! What’s more, you can even withdraw cash from the Zaggle card for the company expenses and submit the same in the App. B. Manage your allowances! Receive your Meal, Fuel, Gift and Travel allowances in the Zinger multiwallet card and spend at any corresponding Visa enabled merchant across India a.View your balance and past transactions b. Block your card in case lost c. Create POS Pin d. Change IPIN C. Redeem Propel Rewards across a wide range of choice! Propel rewards issued to you by your company can be redeemed on the App as well as the website Zaggle.in. a. View the Propel Rewards - In case you received a Physical Propel card, just add it to the App b. Redeem the Rewards across Gift Cards of leading retail Brands across categories. c. Redeem multiple times till the balance is available. D. Manage your Zaggle Cards Add the Zaggle Gift Cards given to you by your company to the App a. View your balance and past transactions b. Block your card in case lost c. Create POS Pin d. Change IPiN E. Buy Gift Cards at amazing discounts Buy gift cards from leading Brands across a range of Categories, at great discounts! F. Having trouble managing vendor payments in a spreadsheet or using multiple apps? Zaggle ZOYER is the easiest way to manage your vendor payments! Zaggle Zoyer allows you to onboard vendors, set up your own invoice approval workflow, scan/upload/create purchase orders and invoices, and have vendors accept purchase orders and upload documents. Before making payments, you can generate GRN, perform a 3Way Match, and generate reports for analysis with Zaggle ZOYER. Zaggle Credit Card pre-integration completes the offering. Why wait? Start using Zaggle Zoyer now! • Like & Follow Us: Facebook: https://www.facebook.com/zaggleapp Twitter: https://twitter.com/zaggleapp Instagram: https://www.instagram.com/zaggleapp LinkedIn: https://www.linkedin.com/company/zaggleapp • Calls or E-mails: Phone: 1860 500 1231 (10.00 AM - 7:00 PM, Mon - Sat) care@zaggle.in
Here by HDFC ERGO
Manage all your insurance policies, vehicles, health, and pets in one place. This app offers policy management, claim tracking, vehicle maintenance reminders, health resources, and pet care services.
- Manage HDFC ERGO insurance policies
- File and track insurance claims
- Vehicle maintenance reminders
- Breakdown assistance
- Health expense estimator
- Pet insurance options
- Travel insurance management
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Here: Your All-in-One Life Assistant for Insurance & Beyond Simplify your life with Here, the one-stop app for managing your insurance, vehicles, health, pets & more! Simplify Your Insurance: Manage all your HDFC ERGO policies: Easily access and manage health, car, bike, travel, cyber, and home insurance policies. Purchase new policies: Get insured directly through the app in a few clicks. File & track claims: Submit and monitor your claims conveniently within Here. Access policy documents: Download your policy copies and tax certificates anytime. Effortless Vehicle Management: Here helps you know everything about your vehicle with a tap. Track PUC status: Avoid hassles with reminders for Pollution Under Control certificates. Stay insured: Never miss a renewal with reminders and easy policy management. Breakdown assistance: Get help anytime, anywhere with access to towing services, garages, and nearby hospitals. Manage challans: Stay on top of traffic fines and avoid penalties. Your Health Made Easy: Here empowers your well-being. Connect with others for support: Join our verified Patient Connect community for peer support and experiences. Estimate medical costs: Use our Expense Estimator to understand potential out-of-pocket expenses. Save on healthcare: Enjoy exclusive discounts from leading healthcare providers through our Savings Corner. Stay informed: Access a library of informative health articles and videos. Complete Pet Care Ecosystem: Here cares for your furry family. Explore Pet Insurance Options: Discover pet insurance plans to safeguard your pet's health and manage unexpected veterinary bills. Find trusted pet care providers: Locate vets, pet stores, and groomers in your area. Schedule appointments: Manage your pet's health checkups and grooming sessions easily. Track pet vaccinations & medications: Keep a record of important pet health information in one place. Access pet care resources: Learn valuable tips and information to keep your furry friend happy and healthy. Travel with Confidence: Here safeguards your travel plans with comprehensive travel insurance options. Trip cancellation and interruption coverage: Get reimbursed for non-refundable trip costs if you have to cancel due to unforeseen circumstances. Medical emergencies & hospitalization: Receive coverage for medical expenses incurred during your trip, including hospitalization. Baggage loss or damage: Get compensation for lost or damaged luggage. Trip delay coverage: Reimbursement for additional expenses incurred due to a flight delay. Global emergency assistance: Access 24/7 assistance with medical referrals, lost passport assistance, and more. Protect Your Digital Life: Here offers robust cyber insurance solutions to safeguard your digital assets. Data breach coverage: Receive financial protection in case of a data breach that exposes your personal information. Cyber extortion: Get coverage for expenses incurred if you are a victim of cyber extortion. Cybercrime defense: Access legal and technical assistance in case of a cyberattack. Device protection: Protect your electronic devices against cyber threats and malware damage. Online privacy protection: Enjoy features that help you maintain online security and privacy.
Screenshots
Verdict
The clearest difference is review sentiment: Zaggle® at 71% against Here by HDFC ERGO's 7%. Zaggle® also leads on update cadence (weekly vs every 3 weeks). Here by HDFC ERGO's advantage is rating (4.3 vs 4.0) and device support (3 vs 1). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Here by HDFC ERGO holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 21 and 38 respectively. Written reviews complicate that: 71% of Zaggle®'s written reviews are positive against 7% of Here by HDFC ERGO's, so the app with the better star average is not the one people write more warmly about.
Zaggle® ships an update weekly, Here by HDFC ERGO every 3 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.
| Parameter | Zaggle® | Here by HDFC ERGO |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (21 ratings) | 4.3 (38 ratings) — better |
| Positive reviews | 71.2% of reviews — better | 6.7% of reviews |
| Number of ratings | 21 | 38 — better |
| Update frequency | Weekly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 199 MB | 239 MB |
| Age rating | 4+ | 4+ |
| Developer | Zaggle Prepaid Ocean Services Limited | HDFCErgo |
Customer experience
Zaggle®
Here by HDFC ERGO
In-app purchases
Zaggle®
No in-app purchases
Here by HDFC ERGO
No in-app purchases
Questions
Is Zaggle® free?
Is Here by HDFC ERGO free?
Which has better reviews, Zaggle® or Here by HDFC ERGO?
Do Zaggle® or Here by HDFC ERGO have ads?
Which is updated more often, Zaggle® or Here by HDFC ERGO?
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