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Text Content

Scan QR code to download the app

Scan QR code to download the app

Scan QR code to download the app

 * Niyo for Students
 * Niyo Products
   * Visa
   * Zero Forex Card
   * Flights
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * Testimonials
 * All About Niyo
   * About
   * Media & PR
   * Contact us

Menu
 * Niyo for Students
 * Niyo Products
   * Visa
   * Zero Forex Card
   * Flights
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * Testimonials
 * All About Niyo
   * About
   * Media & PR
   * Contact us

Download



THE NIYO WAY TO TRAVEL IS HERE!

Experienced by 1 million travellers




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.




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!


ON-TIME CARD DELIVERY

Your card reaches you swiftly within 3-5 days.




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 card reaches you swiftly within 3-5 days.




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.




GET YOUR VISA, ON TIME, EVERY TIME

 * Visa at the lowest price
 * 100% service fee-back guarantee, on visa delay
 * Earn 40% Niyo coins on every visa purchase
 * Use Niyo coins to purchase your visa and get 75% off

LOWEST PRICES, HIGHEST INTERNATIONAL TRAVEL INSURANCE COVERAGE

 * Cheapest Insurance in the market
 * Highest claim settlement ratio
 * Instant policy issuance
 * Comprehensive policy

THE NIYO REWARDS PROGRAMME

 * Rack up Niyo coins for every domestic spend
 * Get Niyo coins as cashback on services
 * Redeem Niyo Coins for fantastic travel perks

GET EXCLUSIVE OFFERS ON

 * Visa
 * Travel experiences
 * International shopping

Previous Next


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.

Play Video
Book your flight


THE NIYO WAY TO FLY

Fly domestic and international with Niyo.

Play Video
Niyo for Students


THE NIYO WAY TO STUDY ABROAD

Enjoy maximum savings while studying abroad.

Play Video
Niyo way to Pay


NIYO UPI - NIYO WAY TO PAY

Your payments are now simplified.

Play Video
Why choose Niyo


NIYO VS THE REST

We don’t want to brag, but we are so much better.

Play Video
Explore Niyo



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

 * 1
 * 2
 * 3


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.

Arjun GuptaMay 15, 2024
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!

Karan Parekh15 August 2022
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.

Ajish29 October 2023
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

Akshay Mittal30 March 2022
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.

Anurag Singh9 June 2023
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!

Samarth2 January 2024

 * Niyo for Students
 * Niyo Products
   * Visa
   * Zero Forex Card
   * Flights
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * Testimonials
 * All About Niyo
   * About
   * Media & PR
   * Contact us

Menu
 * Niyo for Students
 * Niyo Products
   * Visa
   * Zero Forex Card
   * Flights
 * Niyo Buzz
   * Blogs
   * CommunityNew
   * Offers
     * Niyo Global
     * NiyoX
 * Testimonials
 * All About Niyo
   * About
   * Media & PR
   * Contact us

Download



THE NIYO WAY TO TRAVEL IS HERE!

Experienced by 1 million travellers

Get Your Free Card



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.

Learn More


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


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.

Play Video
Book your flight


THE NIYO WAY TO FLY

Fly domestic and international with Niyo.

Play Video
Niyo for Students


THE NIYO WAY TO STUDY ABROAD

Enjoy maximum savings while studying abroad.

Play Video
Niyo way to Pay


NIYO UPI - NIYO WAY TO PAY

Your payments are now simplified.

Play Video
Why choose Niyo


NIYO VS THE REST

We don’t want to brag, but we are so much better.

Play Video
Explore Niyo


YOUR TRAVEL, NOW REWARDING AND HASSLE-FREE

GET YOUR VISA,
ON TIME, EVERY TIME

 * Visa at the lowest price
 * 100% service fee-back guarantee, on visa delay
 * Earn 40% Niyo coins on every visa purchase
 * Use Niyo coins to purchase your visa and get
   75% off

LOWEST PRICES, HIGHEST
INTERNATIONAL TRAVEL
INSURANCE COVERAGE

 * Cheapest Insurance in the market
 * Highest claim settlement ratio
 * Instant policy issuance
 * Comprehensive policy

THE NIYO REWARDS PROGRAM

 * Rack up Niyo coins for every domestic spend
 * Get Niyo coins as cashback on services
 * Redeem Niyo Coins for fantastic travel perks

GET EXCLUSIVE OFFERS ON

 * Visa
 * Travel experiences
 * International shopping

Previous Next
Get Your Visa


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

 * 1
 * 2
 * 3


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

Arjun GuptaMay 15, 2024
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!.

Karan Parekh15 August 2022
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.

Ajish29 October 2023
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.

Akshay Mittal30 March 2022
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.

Anurag Singh9 June 2023
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!

Samarth2 January 2024



ASK US ANYTHING NIYO

Accordion Example


WHAT ARE THE DIFFERENT CARDS OFFERED BY NIYO AND THEIR FEATURES?

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


THINGS TO KNOW

Debit Card
with DCB Bank

Secured Credit Card
with SBM Bank

Debit Card
with SBM Bank

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. 

 * 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. 

 * 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%  Account loading Instantly via UPI Up to 3 days Interest Up to 8% interest
p.a.*  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@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  For users abroad:  +91 44 6965 4600 global@goniyo.com
customerservice@equitasbank.com

Get Your Free Card


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. 

*VISA exchange rates apply | #T&C apply



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Email: customercare@sbmbank.co.in Toll free: 1800 1033 817 Click here for SBM
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