Why is DCB Niyo Debit Card the best choice for international transactions?

Unlock a world of seamless travel and savings with zero forex markup, global lounge access, free ATM withdrawals abroad, and up to 7.5% interest p.a. on your balance.

Note: Check the latest interest rates for savings and fixed deposits.

Enjoy hassle-free banking wherever you go!

Unlike other debit and prepaid forex cards, the DCB Niyo International Debit Card offers unbeatable value with no hidden fees and superior perks.

Features & Benefits

Feature	DCB Niyo Debit Card	Ordinary Debit Cards	Ordinary Forex Cards
Zero forex markup fee*	✔️	❌ Varies between 2–5%	❌ Varies between 2–5%
Load in INR & spend globally, including India	✔️	✔️	❌
Currencies supported	130+ Load in INR & spend globally	Varies with card	22 currency wallets
Free ATM withdrawals abroad	✔️ Fee is reversed as Niyo Coins#	❌	❌ Varies between $2–$5 + GST depending on card
Lounge access abroad	✔️ With international spend criteria#	❌	❌
Earn interest on account balance	✔️ Up to 7.5% p.a.#	✔️ Varies with card	❌
Fees & charges	- Zero joining fee - Zero card issuance fee - Zero annual fee^ - Zero balance a/c - Zero loading fee - Zero unloading fee - Zero inactivity fee - Zero decline fee	Varies with card	- Joining fee - Loading fee - Unloading fee - Inactivity fee - Markup fee on currency conversion - Wallet-to-wallet transfer fee
App features	Live transaction tracking, Card controls, Send money abroad, Free ATM locator, Currency Converter tool for live exchange rates	Standard net banking / mobile banking features	Manage card only via net banking
Travel services	✔️ Int’l eSIM Travel insurance Apply for visa Book flights Hotels & stays Forex cash	❌	❌
Rewards program	✔️ Earn & redeem coins on travel services	❌	❌
Card delivery	3–5 business days	Varies with bank	May require branch visit
Security features	Instant lock / unlock / block card, biometric authentication	Instant lock / unlock / block card	Standard net banking security
Customer support	24/7 in-app live chat support	May have free / chargeable support	May have free / chargeable support

*VISA exchange rates apply | ^#T&C apply
^Waived on AMB of ₹5,000 or more in savings account

Benefits as of June 2025

Explore DCB Niyo Debit Card in Action