Find answers to all your product related queries
This is an INR card, which can be used globally, including in India.
Your INR is converted to other currencies when you use your card. Our card works in over 150 countries.
Zero. At the time of settlement, you will only be charged the the prevalent VISA exchange rate.
The VISA exchange rate is the Forex rate charge by the VISA treasury. This is very close to IBRs (inter-bank rates),or the rate at which banks exchange currency with one another. This is widely known as the lowest possibe exchange rate.
Yes. Your card is fully supported by our NiYO mobile banking app, through which you get real-time transaction notifications, transaction summaries, balance inquiries, custom account statements, safety features, an ATM locator, an up-to-date currency converter, the ability to transfer funds, and much more.
Your card is valid for 5 years.
Very secure. For enhanced security, your card comes with an emdedded CHIP making it impossible to clone. Also, you can use your mobile application to lock and unlock your card at anytime. We also offer channel-wise locking for online purchasing security, and the ability to change your ATM PIN whenever you need to. If your card is stolen, you can use your application to completely block the card, as well.
Currently there are no joining fees for the card.
The Global Card is currently available only via invitation. You can register through our website (www.goniyo.com) and we will get back to you.
No. The card can be obtained both in an individual capacity and through your corporate.
We can only issue cards to Indian Citizens holding a valid Aadhaar, PAN card & Indian passport holder.
No. Minors cannot currently get their own card. However, with our upcoming supplementary card, you will be able to give minors limited access to your Global Card account
Anywhere in the world where VISA cards are accepted.
Yes, the card can be used to make purchases online.
Yes, the card can be used at all VISA-compatible POS machines.
Yes, the card can be used to withdraw cash at all ATMs that accept VISA cards.
For Domestic ATMs (within India)
For International ATM Withdrawals (outside India)
For International ATM Balance Inquiries (outside India)
First time users have to transfer using their bank’s website
Subsequently, users can also use there mobile banking to transfer money to their Niyo Accounts
Yes, there are credit and spending limits on the card. All of these are available on the mobile app and in your welcome kit.
|DCB Niyo Global Card|
|Loading/ Spending Limits on the Card|
|Category||Per Txn||Per day||Per Month||Per Year|
|Inward / Topup||INR 10,00,000||INR 10,00,000||INR 10,00,000||INR 25,00,000|
|ATM- Domestic||INR 50,000||INR 50,000||INR 1,00,000||INR 5,00,000|
|ATM- International*||INR 1,00,000||INR 1,00,000||INR 2,00,000||INR 5,00,000|
|Purchase- Domestic||INR 2,00,000||INR 2,00,000||INR 10,00,000||INR 25,00,000|
|Purchase- International||INR 4,99,000||INR 7,50,000||INR 10,00,000||INR 25,00,000|
|Fund Transfer||INR 2,00,000||INR 5,00,000||As per Balance||As per Balance|
|* ATM withdrawal limit for UAE is INR 50,000 (Daily), INR 1,00,000 (Daily) and INR 2,00,000 (Yearly)|
Yes, there are spending limits on the card. All of these are available on the mobile app and in your welcome kit.
|For both DCB Rupay (combined for primary & family cards) & YBL MasterCard|
|No of transactions|
|Inward / Topup||₹ 1,00,000||₹ 1,00,000||₹ 1,00,000||₹ 6,00,000||No limit|
|ATM||₹ 10,000||₹ 30,000||₹ 50,000||₹ 6,00,000||10|
|Purchase||₹ 20,000||₹ 20,000||₹ 50,000||₹ 6,00,000||15 (combined POS/Ecom)|
|Fund Transfer Out||₹ 30,000||₹ 30,000||₹ 50,000||₹ 6,00,000||10|
|P2P||NA||NA||₹ 10,000||NA||No limit|
|Maximum allowable account balance at any point = ₹1,00,000|
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