Niyo Global Cards

This innovative card offers unparalleled convenience with zero forex markup, ensuring cost-effective transactions worldwide. You can also seamlessly manage your finances through the user-friendly Niyo Global app, gaining real-time insights and control over your expenses.

Whether it's international spending, ATM withdrawals, or online purchases, the Niyo Global Card provides flexibility with customisable transaction limits.

With this card, say goodbye to hidden fees and complicated currency conversions and freely explore the world without financial constraints. Discover the ease of global transactions, track expenditures effortlessly, and unlock a new level of financial freedom with the Niyo Global Card — your passport to hassle-free international banking.

General Features and Benefits of Niyo Global Card

Let’s first look at the key features and benefits of the Niyo Global Card -

• Zero Forex Markup - Usually, banks levy a forex markup charge on the entire transaction amount when a customer uses a different bank debit or credit card to make payments in foreign currencies. The ideal international travel card, however, must have 0% forex markup, i.e. no charges for foreign currency payments. With the Niyo Global card providing this service, it becomes incredibly economical to use it for all types of transactions, including purchasing, dining out, covering tuition, and booking flights.
• Fully Online Onboarding and KYC - Instead of rushing to a bank branch and filling out complicated paperwork, you can easily open an account with the Niyo Global App from wherever you are. To obtain a Niyo card, among the best foreign debit cards, simply download the Niyo Global App and complete the easy instructions.
• Zero Balance Savings Account - There are no charges for maintaining a specific monthly balance. However, to ensure that you can use your card whenever you want, it's a good idea to have a balance of INR 10,000 or above.
• Zero Loading Charges - Niyo Global is an online account with an IFSC and distinct account number. As a result, when you use NEFT, IMPS, or RTGS to add funds to your account (at any time and from anywhere), you won’t have to pay any fees.
• Hassle-free Payment - With Niyo Global Card, you can enjoy contactless payments at retail outlets for faster transactions and lesser waiting periods at the time of checkout. 
• Complimentary Access to Airport Lounge - With Niyo Global Forex Card, you can get complimentary access to airport lounges at domestic as well as international terminals of prominent airports across India. 
• Strong Security Measures - With enhanced security features such as Lock/Unlock/Block card, you can make secure transactions with the Niyo Global Card. Notably, the card also allows you to temporarily restrict access to your entire card or specific payment channels. These channels include online payments, ATM withdrawals, card swiping, tap-n-pay, and international payments. This functionality allows you to closely monitor your transactions and promptly restrict or block your card if required.
• Exclusive In-App Offers - With Niyo Global Card, you get great offers on hotel and flight reservations and even more. 
• Meet and Assist Service - You can avail of services like assistance through the immigration lines, assistance with luggage, or reaching the venue in a luxury car with this card. 
• Open Account Instantly - The Niyo Global App allows swift account opening, freeing up time for your travel and study plans. You can, for instance, use your digital debit card for instant online transactions. You can easily order your physical card for additional Niyo Global account benefits. Note that the delivery time varies by city, typically within 7-10 days of ordering.
• Zero Fund Transfer Fees - There are no extra charges for your NEFT/RTGS/IMPS fund transfers that can be utilised at any time and from anywhere.
• Real-Time Tracking - To assist you in monitoring your finances, the app updates and displays all transactions in the local currency whenever you make a purchase.
• Concierge Services - Experience 24/7 digital assistance with VISA Concierge — powered by VISA Signature — for exclusive privileges and extraordinary experiences. You can easily access your local and overseas benefits through the Visa Concierge app.

Niyo Global Credit Card with SBM Bank

Listed below are the major benefits of the Niyo Global Card with SBM Bank -

• Zero Forex Markup
• Complimentary Access to Airport Lounges at Domestic and International Terminals in India
• Card Delivery — 3 Days in Metropolitan and up to 5 Days in Other Cities
• No Account Opening Charges
• No Annual Card Charges
• International ATM Withdrawal Charges — INR 500 + GST or 2.5% of the Transaction Amount (whatever is higher)
• No charges for not maintaining any balance in the account

How to Apply for a Niyo Global Forex Card?

In this section, we will cover all the key details related to Niyo Global Forex Card application -

Niyo Global Card Eligibility Criteria

• You should be an Indian resident
• Minimum age of the applicant — 18 years

Documents Required to Apply for Niyo Global Card

• Aadhar Card
• PAN Card
• Indian Passport
• Aadhar-linked Mobile Number

Application Process

• Download the Niyo Global App on your Android or iOS device.
• Sign in with the OTP received on your Mobile Number and Email Address.
• Complete Aadhaar-based KYC with PAN and Aadhaar details.
• Verify your passport file number.
• Update personal information and select your communication address.
• Nominate a person to activate your Niyo Global account.
• Receive a virtual card upon account activation.
• Optionally, you can order a physical card by loading at least Rs.5,000 into your savings account. This card will be delivered in 5-7 days.

Why Choose Niyo Global Card Over Other Forex Cards?

Here are the reasons to opt for the Niyo Global Card –

• Lower transaction fees - Niyo Global Card offers a cost-efficient option for international payments without any forex markup charges, unlike traditional forex cards.
• Better exchange rates - Leading forex and global cards like Niyo cards provide stability by allowing you to lock in exchange rates in advance when preloading funds, shielding you from currency rate fluctuations.
• Security - You can easily and instantly block your card in case of loss or theft and experience enhanced security.
• Insurance benefits (if applicable) - Some cards include insurance benefits such as coverage for accidental death, baggage delay, and hijacking, providing compensation for eligible claims.

To know more about Niyo Global Card, go through the following frequently asked questions section.

Frequently Asked Questions