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Limits: Explained Simply!
Your Niyo SBM Credit Card Limits
Whether you’re spending in India or abroad, knowing your credit and transaction limits can help you plan better and spend smarter.
How is my credit limit calculated?
Your credit limit depends on the Fixed Deposits (FDs) you’ve booked.
Credit Limit = 90% of your total active FD amount
Maximum Credit Limit: ₹25 lakh per billing cycle (30 days)
Example:
| FD Amount | Credit Limit (90%) |
|---|---|
| ₹20 lakh | ₹18 lakh |
| ₹27.78 lakh | ₹25 lakh |
| ₹40 lakh | ₹25 lakh (max) |
Want to increase your credit limit?
Good news! You can increase your credit limit anytime by adding more FDs.
Here’s how it works:
- Add FDs through the app
- Your credit limit updates automatically to 90% of your total active FD
- Your FDs continue earning interest
- Once added, FDs cannot be transferred back to your savings account
Transaction Limits: Where and how much can you spend?
Your Niyo SBM Credit Card can be used for card swipes, online purchases, Tap & Pay, and ATM withdrawals, both in India and internationally.
Here’s a quick overview:
| Transaction Type | Per Transaction | Daily Limit | Monthly Limit |
|---|---|---|---|
| Online Transaction (ECOM) | ₹10 lakh | ₹10 lakh | No monthly cap |
| Card Swipe (POS) | ₹10 lakh | ₹10 lakh | No monthly cap |
| Tap & Pay (Contactless) | ₹5,000 | — | — |
| ATM Withdrawals (All) | ₹1 lakh | ₹1 lakh | ₹2 lakh or total FD amount (whichever is lower) |
Edit Card LimitsYou can always check or customise your card limits through the Niyo app based on your needs.
Recap: Know before you swipe!
- Credit Limit = 90% of your FD
- Max. Credit Limit = ₹25 lakh per billing cycle
- Use globally for POS, online, and ATM withdrawals
- Modify limits anytime via the app
Enjoy flexible, high-limit international spending backed by your smart FD investments!