Niyo Global Debit Card


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.

Types of Niyo Global Debit Card

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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Features & Benefits of Niyo Global Debit Card

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.

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Niyo Global Debit Card Fees & Charges

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

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Niyo Global Debit Card For Students

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:

  • No Forex Charges: Save money by avoiding the usual 3-5% fees on international transactions.
  • Spend Anywhere: Use the card in over 180 countries and 130+ currencies by loading money in INR.
  • Free Lounge Access: Enjoy access to airport lounges in India with referral benefits.
  • Earn Rewards: Get Niyo Coins when you use the card and redeem them for student offers.
  • Easy Cash Withdrawals: Find nearby ATMs abroad using the Niyo app.
  • Special Student Offers: Get discounts on exams like GRE, TOEFL, PTE, fee waivers, education loans, and fee transfer discounts.
  • Save More: Students can save up to ₹1 lakh per year on overseas expenses.

Eligibility Criteria for Niyo Global Debit Card

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.

  • You must be a resident of India.
  • You should be 18 years or older.
  • You must have a valid Indian Passport.

Documents Required for Niyo Global Debit Card

To complete your application for a Niyo Global Debit Card, you’ll need to provide a few essential documents.

  • PAN Card
  • Aadhaar Card
  • Passport Details
  • Access to Your Aadhaar-Linked Mobile Number

Steps to Apply for a Niyo Global Debit Card

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:

  1. Download the Niyo App: Get the Niyo app from the Google Play Store or Apple App Store.
  2. Verify Your PAN: Enter your PAN card details for identity verification.
  3. Choose Your Card: Select between the Niyo Global DCB Card or Niyo Global SBM Card based on your needs.
  4. Verify Aadhaar & Passport: Provide your Aadhaar and Passport details for KYC (Know Your Customer) compliance.
  5. Complete Your Video KYC (VKYC): Finish a short video call for final verification, as required by banking guidelines.
  6. Receive Your Card: Once approved, your card will be delivered to your address within 3-5 working days.

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Steps To Use Niyo Global Debit Card

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:

  1. Get Your Niyo Global Debit Card: Apply and receive your Niyo card with zero forex markup through the Niyo app.
  2. Load Money in INR: Add funds to your card in Indian Rupees (INR) using UPI, IMPS, or NEFT. No need to convert to foreign currency in advance.
  3. Use the Card Abroad: Spend freely while traveling — the currency conversion happens automatically at the time of payment, using real-time VISA exchange rates.
  4. Withdraw or Use Remaining Balance: After your trip, any unused money stays in your account. You can withdraw it in INR or continue using the card for domestic transactions.

Niyo Global Debit Card Customer Care

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:

  • In-App Support: Use the Niyo app for 24/7 live chat support for quick assistance.
  • Email Support: Reach out at global@goniyo.com for general queries.
  • Phone Support: Call Niyo at +91 8043745312 for direct assistance.

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

Frequently Asked Questions

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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