Smart Tools for Smoother Travel
India or abroad, there is a tool to solve all your problems
Zero Forex Card
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1 day delivery
The only card you need across the globe
Maximise your savings by up to 5% on every swipe abroad. Trusted by 1 million+ users.
- Load in INR and spend across 180+ countries at zero forex markup*
- Withdraw currency from any ATM at minimum charges
- 24×7 customer support during international travel
*VISA exchange rates apply
Cards issued by
Forex Cash
|
1 day delivery
Top foreign currencies at zero forex markup
No extra fees. No hidden fees.
- Around 5% cheaper than airport counters/local vendors
- Currently available in Mumbai, Bengaluru*, Pune*
- Get 100% fee reimbursement as Niyo Coins
Powered by
You spend
USD
USD
US Dollars
Converts to
INR
INRIndian Rupee
84,345.67
1 USD = ₹ 84.34
• Rate refresh in 4hrs
You save 4% on forex
₹4,345.67
Order now and get it in 1 day
Your travel needs at zero fees
Deals, rewards, savings and so much more!
Flights
Save big with zero convenience fee
Visa
Peace of mind with on time visa (60+ countries)
International eSIM
Stay connected with cheaper-than-roaming plans across 120+ countries
Insurance
Secure your trip with personalised insurance
Experiences
Great offers for unforgettable memories
Hotels
Exclusive stays at the lowest prices
Your spends made more rewarding
Earn big on referrals and travel bookings. Redeem Niyo coins to get discounts on flights and visas.
1 Million+ Happy Travellers
4.8 
(34.8K reviews)
4.6
(23.5K reviews)
Zero forex markup and lounge access made my travel stress-free. From Vietnam to Malaysia, Niyo made payments and ATM withdrawals super convenient.
I used Niyo across Dubai, Japan, and Bali. The smooth app, zero forex charges, and reliable ATM access made it my go-to travel companion.
Used it for everything—from POS to online bookings across Southeast Asia. Niyo made traveling cashless and saved me real money on conversion fees.
From Europe to Singapore, Niyo was smooth and reliable. Everything worked—from lounge access to POS, but skip the DCB variant.
Used Niyo in Europe and the Middle East. The app’s smooth UI and zero forex fees gave me total peace of mind while transacting abroad.
My Singapore, USA and Uzbekistan trips were so easy thanks to Niyo! Real-time spending alerts and seamless payments made it a must-have travel essential.
Used it all over Europe and the UK for POS and online bookings. It worked smoothly and saved me a ton on fees.
Booking flights, withdrawing cash, dining—Niyo handled it all. The seamless transactions and cost savings were better than any other card I’ve used.
From POS payments in UAE to shopping in Vietnam, Niyo offered unmatched ease. Great exchange rates, zero forex markup, and app support made it seamless.
Niyo made every trip easier—from Singapore MRT rides to visa bookings. Zero markup and instant notifications gave me full control of my expenses.
Convenience + Safety
Your money is safe
Up to ₹5L per bank per user is insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC, a wholly owned subsidiary of the RBI).
Do a trial transaction
Feel confident using the Niyo zero forex markup card while travelling abroad by trying it in India.
24/7 support
Use the in-app chat support to get real-time assistance, no matter the hour or time zone.
Certification & compliances
ISO 27001•
NPCI Approved•
ISO 20022Frequently Asked Questions
Niyo offers international payments and travel-related services:
- International secured credit card with zero forex markup in partnership with SBM Bank (India)
- International debit card with zero forex markup powered by DCB bank
- Travel services like visas, flight, insurance, hotels and eSIM
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.
- 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.
All residents of India, above 18 years of age who hold a valid Indian passport are eligible to apply for a Niyo Zero Forex Markup 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.
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!
Yes, the Niyo app offers both domestic and international flight bookings.
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 and SBM Bank (India).
Here’s a quick comparison of zero forex markup cards offered by Niyo vs. multi-currency forex cards.
| Feature | Niyo Cards | Traditional Forex Cards |
|---|---|---|
| Card Type | Indian Rupee Debit Card, works across 130+ currencies | Forex Card |
| Forex Markup | Zero Forex Markup on VISA Exchange Rate | 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 |
You can connect with us 24/7 via in-app live chat support or the bank help centres:
| Detail | SBM Bank | DCB Bank |
|---|---|---|
| Help Center Number | 1800 1033 817 | 022 6899 7777 | 040 6815 7777 |
| Niyo Email ID | global@goniyo.com | niyoglobal@dcbbank.com |
| Bank Email ID | customercare@sbmbank.co.in | customercare@dcbbank.com |
Our Trusted Partners
Security • Banking • Payments
