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Text Content

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 * Home
 * Niyo Global
 * Niyo for Students
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * All about Niyo
   * About
   * Media & PR
   * Contact us

Menu
 * Home
 * Niyo Global
 * Niyo for Students
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * All about Niyo
   * About
   * Media & PR
   * Contact us

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NIYO GLOBAL CARD WITH


ZERO FOREX CHARGES*

With Niyo Global Card, enjoy Zero forex charges on international spends, zero
TCS on spends up to 7 lakhs, free lounge access and up to 1% cashback on
domestic spends.

Zero TCS on spends

Complimentary lounge access#
Upto 1% cashback* on domestic spends
Debit & credit cards
Download the App
Get Your Free Card
#At select international terminals in India
Get Your Free Card



LUXURY IS NOW COMPLIMENTARY

Enjoy your toast and the best of pre-flight luxury with Niyo Global’s
complimentary airport lounge access at international airport terminals across
the world.

Get Your Free Card
Get Your Free Card
If $4.5
is the bill,
$4.5 is what
you pay
Start transacting at
zero forex* markup and save 3-5% on all international spends.
Get Your Free Card
Get Your Free Card

Blazing fast
card delivery

Your Niyo Global zero forex card* gets delivered within 3-5 days.




EARN LOCALLY,
REDEEM GLOBALLY

Earn Global Coins on every transaction with your Niyo Global zero forex card*.
Redeem as cashback abroad.

Get Your Free Card
Get Your Free Card



TRAVEL MOOD CALLS FOR TRAVEL MODE

Simply switch from Bank to travel mode and avail exclusive services such as a
curated itinerary, instant cash, travel insurance, and online visa, on the Niyo
Global app.
Get Your Free Card
Get Your Free Card


ESSENTIAL TOOLS FOR CONVENIENT TRAVEL

Stay on top of your overseas travel with unique travel tools like VAT refund,
lounge locator, currency converter and ATM locator all in the Niyo Global App.

Get Your Free Card
Get Your Free Card



TRUSTED COMPANION IN 150+ COUNTRIES

The Niyo Global zero forex card* works smoothly in 150 countries across POS, ATM
and e-commerce.

Get Your Free Card
Get Your Free Card


YOUR MONEY IS IN SAFE HANDS


GET PEACE OF MIND WITH OUR STRONG SECURITY SYSTEMS AND TRUSTED PARTNERS


YOUR MONEY IS INSURED

Up to ₹5 Lakh insurance cover by Deposit Insurance Scheme (insured by DICGC, a
wholly owned subsidiary of RBI).


NIYO WAVE

Hide your balance from the screen with a wave of your hand


MANAGE CARD LOCKS/LIMITS

Lock/Unlock your card or Set/Reset your Card PIN on your own via the app.


PROBLEMS POP UP,
SO SHOULD HELP

When we say 24x7 support, we really mean it. Use the in-app chat support to get
real-time assistance anytime and at any time zone.

Problems pop up, so should help

When we say 24×7 support, we really mean 24×7 support. Use the in-app chat
support to get real-time assistance anytime and at any time zone.


WE ARE TRIED
AND TRUSTED

Niyo Global, in the past 7 years has served more than 1 Million customers by
empowering them with the best international spending experience.

We are tried and trusted

Niyo Global, in the past 7 years has served more than 1 Million customers by
empowering them with the best international spending experience.


MEET OUR LIFETIME BRAND AMBASSADORS

Our service speaks for itself, so do our customers. Here’s what they have to say
about their experience with Niyo Global
Get Your Free Card
Get Your Free Card


NIYO GLOBAL FAQS


WHAT ARE THE DIFFERENT NIYO GLOBAL CARDS AND THEIR FEATURES?

Niyo Global offers two zero forex markup debit cards in partnership with Equitas
Small Finance Bank and DCB Bank. Niyo Global also offers a zero forex markup
secured credit card in partnership with SBM Bank India. You can opt for any one
card or multiple cards based on your needs. Below are the features for all the
three cards.


ALL OUR NIYO GLOBAL CARDS


THINGS TO KNOW

Credit Card
with SBM Bank

Debit Card
with Equitas Bank

Debit Card
with DCB Bank

Zero Forex

Zero forex* markup

Zero forex* markup

Zero forex* markup

Airport lounge

Free airport lounge access at international terminals in India

Free airport lounge access at international terminals in India

Free airport lounge access at international terminals in India

Tax Collected at Source (TCS)

Zero TCS on unlimited international spends

Pay Zero TCS for international spends up to 7 lakh

Pay Zero TCS for international spends up to 7 lakh

Card delivery

3 days in metro and upto 5 days in other cities

3 days in metro and upto 5 days in other cities

3 days in metro and upto 5 days in other cities

Account opening charges

Absolutely no charges

Absolutely no charges

Absolutely no charges

Card charges

No annual charge

An issuance fee of ₹234.82
(₹199 + GST) is applicable on debit card (refunded on
first load of ₹1,000 or more)

(₹500 + GST) will be waived off on average quarterly balance of ₹5,000.

International ATM withdrawal charges

₹500 + GST or 2.5% of the transaction amount (whichever is higher)

₹499 per transaction 
(₹422.88 + 18% GST)

₹300 + GST

Zero balance account

No charges for not maintaining any balance in the account

No charges for not maintaining any balance in the account

No charges for not maintaining any balance in the account

Interest rate

Upto 7.25% p.a. on your FD linked to credit card

Upto 7.8% p.a. on your linked savings a/c

Upto 8% p.a. on your linked savings a/c

Acceptance

Load in INR and spend in 130+ currencies in 150+ countries

Load in INR and spend in 130+ currencies in 150+ countries

Load in INR and spend in 130+ currencies in 150+ countries

Daily fund transfer limit

–

₹10 lakh (₹5 lakh NEFT & IMPS each)

₹5 lakh (NEFT/IMPS)

Daily UPI limit

–

₹1 lakh

₹1 lakh


WHAT IS NIYO GLOBAL ZERO FOREX MARKUP CARD?

The Niyo Global international Debit and Credit Card with zero forex charges are
designed to help Indian travellers transact in foreign currency conveniently and
securely at no extra charges.

Usually, most leading banks and service providers add a fee of up to 5% for the
convenience of making payments in a foreign currency. Niyo Global cards do not
charge this fee and allow you to make transactions abroad at no extra cost and
save up to 5% with each transaction abroad.&

Niyo Global cards are INR-based and built on an interest-earning digital savings
account platform in partnership with SBM Bank India,  Equitas Small Finance BAnk
and DCB Bank . The Niyo Global app linked to the digital bank account makes it
easy to add money and track expenses, all in one place.

Niyo Global Secured Credit Card with zero forex markup makes it easy to put
safety deposits for hotel and rental car bookings in India and abroad, increase
the credit limit on the go, build a stronger credit score, and more. You can use
the Niyo Global Credit Card to make unlimited international spends without
paying any TCS (Tax Collected at Source). Use it as your primary credit card for
maximum savings.

Niyo Global cards can be used to withdraw cash from ATMs  and make purchases at
merchant outlets in foreign countries and online payments on international
sites. You can use the Niyo Global Credit Card to withdraw cash from ATMs
globally at a flat fee of ₹300 + GST and 0% interest.


WHAT ARE THE BENEFITS OF ZERO FOREX MARKUP NIYO GLOBAL CARD?

 * ZERO FOREX MARKUP FEES

The Niyo Global debit & credit card comes with zero forex markup fees, which
means that customers can enjoy foreign currency exchange rates without any
additional charges. This results in up to 5% savings on all foreign currency
transactions.

 * HASSLE-FREE  

Niyo Global debit and credit cards are convenient for making payments while
travelling abroad. 

The cards convert the INR to local currency without any additional charges. They
eliminate the need to carry cash and allow easy access to local currency through
ATM withdrawals. Niyo Global cards take away the need for multi currency travel
cards—just load them in INR and make seamless payments at merchant outlets
globally. You can load in INR and transact in the currency of your current
location abroad. Once you’re back in India, you can use your account balance for
domestic POS/ECOM/ATM transactions and international ECOM. The Niyo Global
international credit card also lets you increase the card limit on the go for
easy deposits on hotel and rental car bookings, etc.

 * SENSE OF SECURITY

The Niyo Global cards support contactless payments, which makes them a safe and
convenient way to transact in foreign countries. The fully-integrated Niyo
Global app also comes with a lost card protection feature that allows you to
block the card immediately in case of loss or theft, thus ensuring the safety of
your funds loaded on the card. The app also allows you to temporarily
lock/unlock the entire card, domestic and international transaction channels
such as online transactions, card swipes, ATM withdrawals, and Tap & Pay. You
can set/reset PIN, permanently block the card from the app in case your card is
lost/stolen. 

 * WIDE ACCEPTANCE

The Niyo Global cards are widely accepted at over 36 million merchant outlets
and 1 million ATMs worldwide, making them a convenient and better option for
payments during international travel.

 * HIGH ACCEPTANCE RATE 

The Niyo Global cards are accepted in 150+ countries to make payments in 130+
currencies. In addition, it allows customers to load the card in INR,
eliminating the need to carry multiple currency notes. 

 * EASY RELOADING

Another benefit of Niyo Global cards with zero markup fees is that they can be
reloaded 24X7 easily online via UPI/IMPS/NEFT and the funds become available for
use immediately. This is among the top travel card benefits of Niyo Global
cards, especially if you are travelling abroad and falling short on funds in
your card.

 * 24×7 CUSTOMER SUPPORT

Your Niyo Global debit card and credit card benefits give you access to 24×7
in-app chat support. We’ll be here to help you with any issues you may face
while using the card.


WHAT ARE THE FINANCIAL SERVICES OFFERED BY NIYO GLOBAL?

Niyo is a financial technology company offering various financial services to
Indian customers. Some of the financial services offered by Niyo Global include:

 * Digital savings account with international debit card in partnership with SBM
   Bank (India), Equitas Small Finance Bank, and DCB Bank
 * International secured credit card in partnership with SBM Bank (India)
 * Wealth management
 * International travel planning
 * Personal/Travel loans


WHO IS ELIGIBLE FOR A NIYO GLOBAL CARD?

All residents of India, above 18 years of age who hold a valid Indian passport
are eligible to apply for a Niyo Global card.

Niyo Global offers debit/ credit cards in partnership with DCB Bank, Equitas
Small Finance Bank, and SBM Bank (India).


WHAT IS THE DAILY LIMIT AND COST OF THE NIYO GLOBAL ZERO FOREX MARKUP CARD?

The daily limit for transactions on a Niyo Global Zero Forex Markup Card varies
depending on the type of transaction. Please check your Niyo Global app for more
details. Tap on Hub > Rates & Limits.


HOW DO I ADD MONEY TO MY NIYO GLOBAL CARD?

You can add money to your Niyo Global Card in just a few simple steps:

 * Log in to your Niyo Global app
 * Click on “Add Money”
 * Choose a payment method (UPI/Bank Transfer)
   * For UPI: Enter the amount you want to add and follow the instructions on
     your third-party UPI app to complete the transaction
   * For Bank Transfer: Add your Niyo Global account as a beneficiary in another
     NEFT/IMPS-compatible bank account and complete the transaction

Once the transaction is successful, the funds will be loaded to your Niyo Global
Card and you will receive a confirmation message on your registered mobile
number and email address. You can also check the updated balance on the Niyo
Global app.


WHY ARE NIYO GLOBAL CARDS BETTER THAN MULTI CURRENCY FOREX CARDS?

Niyo Global cards provide complimentary airport lounge access at international
terminals across India and airports around the world.


BANKING PARTNERS




*VISA EXCHANGE RATE IS APPLICABLE. #AT SELECT INTERNATIONAL TERMINALS IN INDIA.
CONDITIONS APPLY.




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