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.

^*VISA exchange rates apply

• 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!

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.

You can connect with us 24/7 via in-app live chat support or the bank help centres: