Maximise your savings
Save up to 5% forex with every international transaction. You spend more, you save a lot more!
Save up to 5%
|
1 day delivery*
Zero forex cards for
your needs across
the globe
Skip the 3-5% forex markup fee on all International
transactions across 180+ countries
Get your free Cardtransactions across 180+ countries
It works every time, everywhere
From shopping to booking stays, used by 1 million+ travellers worldwide
Paying at stores?
Save up to 5% in forex fees on each swipe
Need cash?
Seamlessly withdraw local currency at ATMs abroad
International e-com shopping?
Save up to 5% on all international online transactions
Find your perfect card fit
Crafted to fit seamlessly into your lifestyle for effortless spending, everywhere across the globe
DCB Niyo Debit Card
Niyo SBM Credit Card
Niyo SBM Debit CardDCB Niyo Debit Card
Niyo SBM Credit Card
Niyo SBM Debit Card
International transactions
ZERO forex markup*
Lounge access abroad#
TCS Limit
No TCS up to ₹10 lakh
NO TCS on unlimited transactions
No TCS up to ₹10 lakh
Rewards Program (Niyo Coins)
Refer & Earn + Niyo Pay UPI
Refer & Earn + Domestic card spends
Refer & Earn + Niyo Pay UPI
Interest rate p.a. up to
Up to 8% on savings balance
Up to 6.5% on linked fixed deposits
Up to 7.25% on savings balance
Joining fee
Nil
Nil
Nil
Card issuance charges
Nil
Nil
Nil
Annual maintenance charges
₹499 + GST waived off on an AQB of ₹5000
Nil
₹423 + GST waived on AMB of ₹5,000 (savings a/c or FD) in the 3 months before your account anniversary, w.e.f. 1st July 2025^
ATM withdrawal charges (international)
₹425 + GST
₹423 + GST or 2.5% of the transaction amount, whichever is higher and 0% interest
₹423 + GST
Card Delivery in 3-5 days
*VISA exchange rates apply.
#With quarterly international spends of ₹50K. ATM withdrawals do not qualify.
^Fixed deposits linked to Niyo SBM Credit Card qualify.
AQB: Average Quarterly Balance
AMB: Average Monthly Balance
TCS: Tax Collected at Source
Your Card, Your Control
Easily manage your card with complete control through the app, from adjusting settings to monitoring transactions.
Always know the card status
Stay informed and in control of your card usage settings.
Resolve transactions in 1-tap
Quickly address and resolve payment issues with just a single tap.
Manage Card usage easily
Take full control of your card's usage and limits for all transactions.
Immediately fix card health
Always have an eye on your card status and resolve them with a single tap
TCS Limit Tracker
Monitor your Tax Collected at Source (TCS) usage to stay compliant and avoid surprises.
1 Million+ Happy Travellers
4.6 
(29k reviews)
4.6
(20k 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.
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 Deposit Insurance and Credit Guarantee Corporation (DICGC, a wholly owned subsidiary of the RBI).
Do a trial transaction
Feel confident using the Niyo 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
A zero forex card, also known as a zero forex markup card, is an international debit or credit card designed for international travellers and students. Unlike traditional credit or debit cards that often impose forex card charges or currency conversion fees, a zero forex card eliminates these charges, offering users the benefit of zero forex markup.
With a zero forex card such as the Niyo Debit Card or Niyo Credit Card, travellers can apply for forex card services with the assurance of no additional fees on currency conversions. This means that when making purchases or transactions in foreign currencies, users can enjoy competitive exchange rates without incurring extra charges.
Applying for a zero forex card provides a convenient and cost-effective solution for managing international transactions. Whether you’re travelling abroad or making purchases from international vendors, a zero forex card offers the convenience of a credit card with the added advantage of no forex markup fees and the zero forex markup debit card makes iATM withdrawals easy and cost-effective.
So, if you’re looking for a hassle-free way to handle foreign currency transactions, consider applying for a zero forex card like the Niyo Debit Card or Niyo Credit Card today.
Enjoy the benefits of Niyo zero forex markup card and app and maximise your international savings.
- ZERO forex markup* on international transactions
- Free lounge access abroad on quarterly international spends of ₹50K#
- Load in INR use in 130+ currencies across 180+ countries
- Earn interest on savings balance and linked FDs
- 3 Free ATM withdrawals abroad per quarter#
- Surcharge-free ATM Locator
- Currency Convertor for live exchange rates
- Card delivery in 3-5 days
- 24/7 in-app live chat support
- ZERO convenience fees on flight bookings#
- ZERO service fees on visa applications#
- Competitive rates on travel insurance
- Send money abroad for education-related expenses
- Forex cash delivery
*VISA exchange rates apply | #T&C apply
Starting 1st April 2024, enjoy one complimentary Lounge Pass outside India per quarter when you spend ₹50,000 abroad (online & card swipes) in a calendar quarter using a single Niyo card. Enjoy access to over 1,300 airport lounges outside India.
Niyo doesn’t charge any card issuance fee; however, standard VISA exchange rates still apply to all international transactions. The Niyo zero forex markup card is an INR-based card that auto-converts the transaction amount into the local currency at the time of purchase. There’s no need to load different currencies.
You can apply for your Niyo zero forex markup card via the Niyo app.
The steps to open your digital savings account and subsequently get your zero forex markup card are as follows:
- Download the Niyo app.
- Verify your PAN card, Aadhaar card, and Indian passport.
- Complete your KYC with a 3-minute video KYC call.
- Once the account opens, a virtual Niyo card is provided, which can be used for online transactions.
- You will receive the physical card within 3 to 5 days.
You can add money to your Niyo Card in just a few simple steps:
- Log in to your Niyo app.
- Click on “Add Money”.
- Choose a payment method (UPI/Bank Transfer).
For UPI: Enter the amount you want to add and follow the instructions on your third-party UPI app to complete the transaction
For Bank Transfer: Add your Niyo account as a beneficiary in another NEFT/IMPS-compatible bank account and complete the transaction
Once the transaction is successful, the funds will be loaded to your Niyo card and you will receive a confirmation message on your registered mobile number and email address. You can also check the updated balance on the Niyo app.
- DCB Niyo Debit Card:
The Annual Maintenance Charge of ₹499 + GST is waived on an Average Quarterly Balance of ₹5,000 or more. - Niyo SBM Credit Card:
There is absolutely no Annual Maintenance Charge. - Niyo SBM Debit Card:
Starting 1st July 2025, the Annual Maintenance Charge of ₹423 + GST is waived on an Average Monthly Balance of ₹5,000 or more (in savings account or fixed deposits) for 3 months before your account anniversary.
Yes, you can transfer your money from Niyo to another bank account. Here’s how:
- Click “Debit Card” (bottom of the screen).
- Click “Transfers”, and select “Send Money”.
- Add details of the payee – account number, beneficiary name, and IFSC code.
- Enter the OTP sent to your registered mobile number.
No, Niyo does not charge any additional fees. You only pay the exact VISA exchange rate while transacting in a foreign currency.
As per regulations, there are daily spending limits. However, you can load any amount to spend throughout the financial year.
Note: Spends above ₹7 lakh attract TCS (Tax Collected at Source) as per the latest regulations.
The Niyo zero forex markup cards ensure convenience, cost-effectiveness, and security for your international trip. With zero forex markup on all international transactions, it’s the perfect companion to manage your expenses seamlessly while travelling abroad.
Yes, Niyo zero forex markup cards offer VISA exchange rates.
Yes, VISA exchange rates include a modest markup above interbank rates to support the secure and efficient currency conversion services that power your transactions.
The virtual debit/credit card can only be used for domestic and international online transactions. Card swipe transactions and ATM withdrawals are possible only with a physical card.
You can set the PIN for your zero forex markup Niyo SBM Credit Card using the Niyo app.
- Click on “Credit Card” (bottom of the screen).
- Click on the Niyo credit card icon.
- Click on “Set PIN”.
- Follow the on-screen steps.
The Niyo Coins are a digital currency offered through the Niyo app. Each coin is equivalent to 10 Indian Paise and is valid for 12 months from the date of issuance. For instance, if you earn 1,000 Niyo Coins on 1st April 2025, they expire on 31st March 2026.
- Use Niyo Pay UPI for domestic merchant payments.
- Use Niyo SBM Credit Card for domestic transactions.
- Refer a friend to Niyo.
- Make ATM withdrawals abroad — each quarter, fees up to ₹1,500 are reversed in Niyo Coins.
- Earn Niyo Coins with your Visa bookings on the Niyo app.
- On domestic and international flight bookings made on the Niyo app.
- On Visa bookings via the Niyo app.
We strive to make Niyo rewarding for you! We continually add new ways to earn and redeem Niyo Coins.
Explore the Niyo Coins section in your Niyo app.
Note:
The rupee value and validity of each coin are subject to the terms of the Niyo Coins Rewards Programme and may fluctuate over time.
1 Niyo Coin = 10 Indian Paise. The rupee value of each coin is governed by the ‘Niyo Coins Programme’ terms and might change in the future. They have a validity of 12 months from the date when they are earned.
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