The Niyo Global Debit Card is offered in partnership with trusted banks like DCB Bank and SBM Bank (India). It is a useful card for people who travel abroad, including students and professionals. The card helps you save money by offering zero forex markup on international transactions. You can load money in INR and use it in over 180 countries. With simple features like global usage, lounge access, and easy money management through the app, it makes spending abroad easier and more affordable.
The Niyo Global Debit Card offers 0% forex markup and can be used in 180+ countries with 130+ currencies. Load money in INR, enjoy free lounge access, and save up to 5% on every international transaction.
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Niyo offers a range of zero forex markup cards designed to simplify international spending. These cards are issued in partnership with trusted banks like DCB Bank and SBM Bank (India), ensuring reliability and global acceptance.
Here’s a quick overview of the types of Niyo Global Cards:
Card Type | Issuing Bank | Network | Key Features |
---|---|---|---|
Niyo Global DCB Card | DCB Bank | Visa | Zero forex markup, complimentary lounge access |
Niyo Global SBM Card | SBM Bank | Visa | Zero forex markup, student-friendly benefits |
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The Niyo Global Debit Card offers a range of features and benefits that cater to the needs of international travelers and students:
Feature / Benefit | Description |
---|---|
Zero Forex Markup | No 3-5% extra fees on international transactions; spend at real-time VISA exchange rates. |
Use in 180+ Countries | Load INR and spend across 180+ countries in 130+ currencies with automatic conversion. |
Free Airport Lounge Access | Complimentary lounge access in India on meeting minimum international spending criteria. |
Earn Up to 8% Interest | Earn up to 8% p.a. interest on your Niyo account balance, with monthly payouts. |
No TCS up to ₹7-10 Lakh | Spend abroad without Tax Collected at Source (TCS) up to ₹7-10 lakh annually. |
Cashback with Niyo Coins | Earn Niyo Coins on eligible spends, redeemable for rewards. |
Easy ATM Withdrawals | Withdraw cash from international ATMs; standard charges apply with possible cashback benefits. |
Simple Payments Abroad | Use for shopping, hotels, online payments, and ATM withdrawals like a regular debit card. |
Manage via App | Control card settings, track expenses, lock/unlock card, and reset PIN through the Niyo app. |
24/7 Customer Support | Round-the-clock assistance available through the app. |
Instant Top-Up | Add funds instantly via UPI, IMPS, or NEFT for seamless spending. |
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Here’s a simple breakdown of the fees and charges linked to Niyo’s zero forex markup cards, so you can plan your finances better while traveling abroad.
Niyo offers two main debit cards, one in partnership with DCB Bank and the other with SBM Bank. Both come with zero forex markup, but some charges differ slightly.
Feature / Fee Type | Niyo Global DCB Card | Niyo Global SBM Card |
---|---|---|
Joining Fee | Nil | Nil |
Annual / Maintenance Fee | ₹499 + GST (waived if avg. balance ₹5,000) | No annual charge |
Forex Markup | 0% | 0% |
International ATM Withdrawal | ₹425 + GST | ₹425 + GST |
Domestic ATM Withdrawal | First 5 free, then ₹21 + GST | 5 free/month, then ₹20 per txn |
Card Replacement Fee | ₹249 + GST | ₹249 + GST |
Card Issuance Fee | Nil | Nil |
Card Delivery Time | 3-5 days | 3-5 days |
Lounge Access | Yes (on conditions) | Yes (on conditions) |
TCS Exemption | Up to ₹10 lakh | Up to ₹10 lakh |
Interest on Savings | Up to 8% p.a. | Up to 8% p.a. |
Reward Program | Niyo Coins | Niyo Coins |
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The Niyo Global Debit Card is a helpful option for students going abroad for studies. It makes managing money easier and helps save on international spending.
Benefits for Students:
To get a Niyo Global Debit Card, you need to meet a few simple conditions. These criteria ensure that the card is issued securely and as per banking regulations.
To complete your application for a Niyo Global Debit Card, you’ll need to provide a few essential documents.
Applying for a Niyo Global Debit Card is simple and can be done entirely online through the Niyo app. Here’s a step-by-step guide to help you get your card quickly:
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Using the Niyo Global Debit Card is simple and designed to make your international spending smooth and hassle-free. Here’s how you can start using your card effectively:
If you need help with your Niyo Global Debit Card, Niyo offers multiple ways to get support. Whether it’s a query about transactions, card usage, or technical issues, you can reach out easily through their 24/7 customer service options.
How to Contact Niyo Customer Care:
Bank Help Center Numbers & Emails:
Bank | Help Center Number | Niyo Email ID | Bank Email ID |
---|---|---|---|
SBM Bank | 1800 1033 817 | global@goniyo.com | customercare@sbmbank.co.in |
DCB Bank | 022 6899 7777 / 040 6815 7777 | customercare@dcbbank.com | niyoglobal@dcbbank.com |
Equitas Small Finance Bank | 1800 103 1222 / +91 44 6965 4600 | global@goniyo.com | customerservice@equitasbank.com |
Yes, the Niyo Global Card is primarily a debit card offered in partnership with DCB Bank and SBM Bank. It also offers a secured credit card option via SBM Bank.
No, the Niyo Global Card is not banned. It is fully operational and regulated through partner banks like DCB and SBM Bank.
Both DCB Bank and SBM Bank offer good options. DCB is better for those maintaining balances (interest benefits), while SBM is popular among students for flexibility.
Yes, there are no joining fees. However, the DCB card has a maintenance fee if minimum balance conditions aren’t met.
The spending limit depends on the type of card and bank policies. Generally, it’s suitable for regular international transactions with TCS exemption up to ₹10 lakh.
Yes, you can withdraw cash from ATMs worldwide. Standard withdrawal charges apply for international transactions.
You can easily load money in INR via UPI, IMPS, or NEFT using the Niyo app.
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