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Zero Forex Markup Card
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4.7 
(46k reviews)
4.7
(34k reviews)Experience the power of zero forex markup cards
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Why is Niyo better than others?
| Feature | | Others |
|---|---|---|
| Forex markup | Zero | Up to 5% |
| Account loading | Instantly via UPI | Up to 3 days |
| Earn 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, often with markups. Recommended to check with the service provider |
| Loading/unloading fee | None, add money 24/7 for free | Fee is charged both during loading & unloading |
| 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 |
1 Million+ Happy Travellers
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.
