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Experience the power of zero forex markup card
Say bon voyage to forex fees! Niyo debit and credit cards offer zero forex markup fee*, always! Maximise your savings by up to 5% on every swipe abroad.
Experience the power of zero forex benefit
Say bon voyage to forex fees! Niyo debit and credit cards offer zero forex markup fee*, always! Maximise your savings by up to 5% on every swipe abroad.
What’s your zero forex benefit?
Other cards
(up to 5% markup)
vs
Our cards
(0% markup)
₹87,399.29
₹83,237.42
₹43,699.64
₹41,618.71
₹22,723.81
₹21,641.73
₹10,487.91
₹9,988.49
₹1,64,310.65
₹1,56,486.35
Savings with Niyo will be ₹7,824.30
No Loading/Unloading Fee | Check real-time balance on Niyo App
What’s your

zero forex benefit?
Your purchases
iPhone 15 ($1000), Chanel bag ($500), Nike shoes ($260), Godiva chocolates ($120)
| Other Cards | Niyo Card | Forex savings |
| ?1,64,310 | ?1,56,486 | ?7,824 |
at an exchange rate of $1=₹83.24
No Loading/ Unloading Fee | Check real-time balance on Niyo App
No matter where you're headed, we've got you covered!
Your travel, now rewarding and hassle-free
- Get your visa
- Book your flight
- Niyo for Students
- Niyo way to Pay
- Why choose Niyo
Get your visa
The Niyo way to Visa
Get your visa on time. Every time.
Book your flight
The Niyo way to fly
Fly domestic and international with Niyo.
Niyo for Students
The Niyo way to study abroad
Enjoy maximum savings while studying abroad.
Niyo way to Pay
Niyo UPI - Niyo way to pay
Your payments are now simplified.
Why choose Niyo
Niyo Vs The Rest
We don’t want to brag, but we are so much better.
We'll make sure, your journey is safe and secure!
Your money is safe
Up to ?5L per bank per user is insured by Deposit Insurance and Credit Guarantee Corporation (DICGC, a wholly owned subsidiary of the RBI)
We offer support 24/7
Use the in-app chat support to get real-time assistance,
no matter the hour or
time zone
We've earned your trust
Over 7 years, Niyo has empowered 1+ million travellers with unparalleled international spending experiences. Consistently rated 4.4+ on Google Play Store with 10L+ downloads
Niyo Wave
Hide your account balance on the screen from prying eyes with just 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
Niyo travellers’ tales
I have been using the Niyo DCB debit card as well Equitas debit card for POS payments in UK, Europe, Turkey, Bahrain, Dubai and Azerbaijan. I have taken out minimal cash from ATM but most of the transactions have been from POS and few times online, while paying visa fee. Transactions have been smooth and the TCS also is refunded in short time.
I watched a video about the Niyo card on YouTube and decided to get one for myself and my parents. Since receiving the card, I've used it in the UAE and found it to be widely accepted everywhere. My experience with Niyo has been fantastic!
During our recent trip to Dubai, the Niyo card was a lifesaver. We used it everywhere, just like a regular ATM card and it never let us down. Whether we were dining out or shopping, the Niyo card was there, making everything easy and hassle-free. It really made our trip a lot smoother and we'll definitely be taking it with us on our future travels.
Niyo is that blessing in disguise that we all wanted but nobody offered.
It is a one stop solution for any kind of money transaction you would like to do abroad. I have been a loyal user of Niyo for past 2 years and have already referred a dozen people in my circle
Using my Niyo card abroad has been fantastic! The zero forex markup, along with seamless transactions and great exchange rates, has made my travels stress-free. I particularly appreciate the instant notifications and easy currency conversions, which have made managing finances on-the-go a breeze.
I've taken Niyo debit and credit cards on three international trips, and they've been absolutely flawless. The real game-changer? Zero foreign conversion fees! The Niyo app has also made managing travel expenses so much easier and economical. Highly recommended for anyone traveling abroad!
No matter where you're headed, we've got you covered!
Free ATM 
withdrawals abroad
Get the ATM fee back in the form of Niyo Coins#. The ATM Locator tool lets you find one nearby to withdraw cash like a local abroad.
Global lounge access
Jet set in style and enjoy complimentary lounge access# at 1300+ airports outside India. It’s the perfect pre-flight luxury treat!
Accepted globally
The Niyo cards work smoothly for card swipes, online spends, and ATM withdrawals abroad for 130+ currencies in 180+ countries.
On-time card delivery
Your Niyo Card reaches you swiftly within 3-5 days.
Your travel, now rewarding and hassle-free
- Get your visa
- Book your flight
- Niyo for Students
- Niyo way to Pay
- Why choose Niyo
Get your visa
The Niyo way to Visa
Get your visa on time. Every time.
Book your flight
The Niyo way to fly
Fly domestic and international with Niyo.
Niyo for Students
The Niyo way to study abroad
Enjoy maximum savings while studying abroad.
Niyo way to Pay
Niyo UPI - Niyo way to pay
Your payments are now simplified.
Why choose Niyo
Niyo Vs The Rest
We don’t want to brag, but we are so much better.
We'll make sure, your journey
is safe and secure!
Niyo travellers’ tales
I have been using the Niyo DCB debit card as well Equitas debit card for POS payments in UK, Europe, Turkey, Bahrain, Dubai and Azerbaijan. I have taken out minimal cash from ATM but most of the transactions have been from POS and few times online, while paying visa fee. Transactions have been smooth and the TCS also is refunded in short time
I watched a video about the Niyo card on YouTube and decided to get one for myself and my parents. Since receiving the card, I've used it in the UAE and found it to be widely accepted everywhere. My experience with Niyo has been fantastic!.
During our recent trip to Dubai, the Niyo card was a lifesaver. We used it everywhere, just like a regular ATM card and it never let us down. Whether we were dining out or shopping, the Niyo card was there, making everything easy and hassle-free. It really made our trip a lot smoother and we'll definitely be taking it with us on our future travels.
Niyo is that blessing in disguise that we all wanted but nobody offered.
It is a one stop solution for any kind of money transaction you would like to do abroad. I have been a loyal user of Niyo for past 2 years and have already referred a dozen people in my circle.
Using my Niyo card abroad has been fantastic! The zero forex markup, along with seamless transactions and great exchange rates, has made my travels stress-free. I particularly appreciate the instant notifications and easy currency conversions, which have made managing finances on-the-go a breeze.
I've taken Niyo debit and credit cards on three international trips, and they've been absolutely flawless. The real game-changer? Zero foreign conversion fees! The Niyo app has also made managing travel expenses so much easier and economical. Highly recommended for anyone traveling abroad!
Ask us anything Niyo
Niyo offers two zero forex markup debit cards in partnership with trusted banks like DCB Bank and SBM Bank (India). Niyo also offers a zero forex markup secured credit card (credit limit decided by a linked FD) 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.
Our Zero Forex Markup Cards
|
 |
 |
 | |
Debit Card |
Secured Credit Card |
Debit Card | ||
Forex charge | Zero forex* markup | Zero forex* markup | Zero forex* markup | |
Free lounge access at airports outside India | With international spends of ?50K per quarter. ATM withdrawals do not qualify | With international spends of ?50K per quarter. ATM withdrawals do not qualify | With international spends of ?50K per quarter. ATM withdrawals do not qualify | |
Tax Collected at Source (TCS) | Zero TCS for international spends up to ?7 lakh | Unlimited international spends at Zero TCS | Zero TCS for international spends up to ?7 lakh | |
Interest rate | Up to 8% p.a., quarterly interest payouts | Up to 7% p.a. on linked FDs | Up to 7.25% p.a., monthly interest payouts | |
Acceptance | Add money in INR and spend in 130+ currencies in 180+ countries | Add money in INR and spend in 130+ currencies in 180+ countries | Add money in INR and spend in 130+ currencies in 180+ countries | |
Account opening charge | Absolutely no charges | Absolutely no charges | Absolutely no charges | |
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 | |
Card charges | No annual charge* | No annual charge | No annual charge | |
International ATM withdrawal charge | ?425 + GST | ?423 or 2.5% of the transaction amount (whichever is higher) + GST and 0% interest | ?423 + GST | |
Card delivery | 3-5 days | 3-5 days | 3-5 days |
*Schedule of charges:
DCB Niyo Debit Card | Niyo SBM Debit Card | Niyo SBM Credit Card | Niyo Equitas Debit Card
What services does Niyo offer?
Niyo offers international payments and travel-related services:
- International secured credit card with zero forex markup in partnership with SBM Bank (India)
- Travel services: tourist visa from India, international travel insurance, domestic and international flight bookings, and forex cash home delivery
- Personal/Travel loans
- Wealth management
What is a zero forex markup card offered by Niyo?
Usually, most leading banks and service providers add a fee/markup of up to 5% for the convenience of making payments in a foreign currency. Niyo does not charge this fee (zero forex markup) and allows you to make transactions abroad at no extra cost - you save up to 5% with each transaction abroad!
The zero forex markup international debit and credit cards offered by Niyo are designed to help Indian travellers transact in foreign currency conveniently and securely at no extra charges.
What are the benefits of zero forex markup cards offered by Niyo?
- Zero forex markup: Enjoy VISA exchange rates without additional charges and save up to 5% on all foreign currency transactions.
- Simplified travel payments: The cards convert INR to local currency abroad at no extra fees, eliminating
the need for cash or multi-currency travel cards. Use the cards for card swipes, online payments, and
ATM withdrawals abroad.
Once you’re back in India, you can use your account balance for domestic spends/withdrawals and international ECOM. The Niyo SBM credit card also lets you increase the card limit on the go for easy deposits on hotel and rental car bookings, etc.
- Security: Make contactless payments, for quick checkouts. The app also allows you to temporarily lock/unlock the entire card, or specific transaction channels. You can set/reset PIN, and permanently block the card from the app in case your card is lost/stolen.Â
- Wide acceptance: Accepted in 180+ countries to make payments in 130+ currencies, it allows you to add money in INR, eliminating the need to carry multiple currencies.Â
- Easy reloading: Add money 24/7 via UPI/IMPS/NEFT and the funds become available immediately - perfect for when you are abroad and need more money.
- 24/7 Customer Support: Access 24/7 in-app live chat support for any card issues.
Can I buy international travel insurance through Niyo?
All residents of India, above 18 years of age who hold a valid Indian passport are eligible to apply for a Niyo Global travel card.
- Custom plans: for individuals or groups of up to10 travellers
- Single plan for up to 6 countries: of your choice
- Single plan to cover multiple scenarios: Medical treatment, loss of passport, trip cancellation, loss of baggage, and more!
- Manage policy in-app: Buy insurance, access policy details, submit claims, get support, download the policy and have it ready to go, right on your device.
Can I apply for a tourist visa from India through Niyo?
Yes, you can secure a tourist visa from India through Niyo - it’s easy and smooth! You don’t have to reach out to the respective embassy, Niyo does it all for you.
- Get your visa on time, every time!
- 100% service fee-back guarantee on any delays
- 100% online process - just pay the fee, upload documents, and you’ll get the visa as promised!
Who is eligible for the zero forex markup card offered by Niyo?
All residents of India, above 18 years of age who hold a valid Aadhaar, PAN, and Indian passport are eligible to apply for zero forex markup cards offered by Niyo.
Niyo offers international debit and credit cards in partnership with trusted banks like DCB Bank, SBM Bank (India), and Equitas Small Finance Bank.
Who is eligible for a Niyo card?
All residents of India, above 18 years of age who hold a valid Indian passport are eligible to apply for a Niyo card.
Niyo offers debit/ credit cards in partnership with DCB Bank, Equitas Small Finance Bank, and SBM Bank (India).
Why are zero forex markup cards offered by Niyo better than multi-currency forex cards?
Here’s a quick comparison of zero forex markup cards offered by Niyo vs. multi-currency forex cards.
| Niyo zero forex markup cards | Multi-currency Forex card | |
| Forex markup | Zero | Up to 5%Â |
| Account loading | Instantly via UPI | Up to 3 days |
| Interest | Up to 8% interest p.a.*Â | ? |
| Joining fee | None | Activation fee applies |
| Exchange rate | VISA exchange rate is applied to all currency conversions. Niyo doesn’t charge any fee. | Exchange rates vary across forex cards. Recommended to check with the service provider |
| Loading/unloading fee | None, add money 24/7 for free | Fee is charged both during loading & unloading money |
| Compatible currencies | Just add money in INR and use it in 180+ countries to transact in 130+ currencies | 22 currencies max. |
| Zero balance account | No fee for not maintaining a balance in your account. | An inactivity fee is charged to keep your card active |
| Airport lounge access | Available at 1300+ airports abroad with quarterly spend criteria | ? |
| Offers and rewards | Earn Niyo Coins on card spends, referrals, and in-app purchases | ? |
| ATM withdrawals abroad | ?? | ?? |
| Customer support | 24/7 in-app live chat | Varies with forex cards |
What is the Niyo customer care number?
You can connect with us 24/7 via in-app live chat support or the bank help centres:
| Bank Help Center Number | Niyo Email ID | Bank Email ID | |
| SBM Bank | 1800 1033 817 | global@pincode360.com | customercare@sbmbank.co.in |
| DCB Bank | 022 6899 7777Â 040 6815 7777 | customercare@dcbbank.com niyoglobal@dcbbank.com | |
| Equitas Small Finance Bank | 1800 103 1222 For users abroad: +91 44 6965 4600 | global@pincode360.com | customerservice@equitasbank.com |
Niyo FYI: Things to know while
transacting abroad
Niyo FYI: Things to know while
transacting abroad
Our network of trusted partners
Niyo ensures top-notch security to keep your funds safe
Our network of trusted partners
Niyo ensures top-notch security to keep your funds safe
Niyo itself is not a bank and doesn’t hold or claim to hold a banking license. The savings account, bank deposits, and cobranded VISA debit and credit cards are issued by our partner banks – DCB Bank, SBM Bank (India), and Equitas Small Finance Bank and follow all prescribed security standards prescribed by the regulator. All funds in the account are insured up to approved limits by DICGC.Â
*VISA exchange rates apply | #T&C apply
SBM Bank Customer Care
Email: customercare@sbmbank.co.in
Toll free: 1800 1033 817
Click here for SBM Grievance Redressal Mechanism
