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The Ideal Zero Forex* Card for Students

With Niyo Global, your overseas academic pursuits will become a breeze, because while you focus on studies, we’ll take care of your finances and savings.

Zero TCS on spends up to ₹7 lakh

Free lounge access#

Save ~ ₹4 lakh on education expenses abroad

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#At select international terminals in India

Ace your international spends
with Niyo Global

Load Money

Enjoy Zero Forex* markup and save 3-5% on all international transactions.

Earn Global coins

Earn Global Coins on domestic spends & redeem them for cashback against international transactions.

Load Money

Load money in INR via UPI and spend in 130+ international currencies

Get complimentary airport lounge access at international terminals in India and abroad.

Load Money

Enjoy Zero Forex* markup and save 3-5% on all international transactions.

Earn Global coins

Earn Global Coins on domestic spends & redeem them for cashback against international transactions.

Load Money

Load money in INRvia UPI and spend in 130+ international currencies

Get complimentary airport lounge access at international terminals in India and abroad.

Study anywhere in the world, and Niyo’s there

The Niyo Global zero forex card* works smoothly in 150+ countries across POS, ECOM, and ATMs.

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Pay for grubs, groceries, and more

Apart from academic expenses, you can use your Niyo Global Card as a smart urban card for daily expenses both in India and abroad. Pay for food, shopping, travel, other daily utilities, and enjoy rewards with every transaction.

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Pay
Pre Departure

(This table is an approximation of expenses)**

Free ISIC card

Use Niyo Global card to get the only internationally recognised digital student ID card at no cost

  • 150,000+ discounts and benefits
  • Globally recognised virtual ID proof
  • Available to full-time students abroad
^Only available on the Niyo Global Credit Card

A safety blanket like no other
for an international student

Live transaction
alerts

In-app
card lock

Insurance coverage
up to ₹5Lakh

Hear from fellow
international students

Our service speaks for itself, so do our customers. Here’s what they have to say about their experience with Niyo Global

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Be an Ambassador

Become the voice and face of Niyo amongst aspiring international students as a Student Ambassador.
Recommend the Niyo Global Card to your college / social circles and assist fellow students on their abroad education journey with Niyo Global.

What’s in it for you?

Network

Network with 99 other Niyo Student Ambassadors

Gift

Referral Bonus of Rs. 500/- for every Niyo Global Card purchase with your referral code

Author

Save up to ₹1,49,358

That’s roughly 6 months of your food expenses abroad.

 
 
Expenses to Study Abroad (USD) Other Credit Cards Niyo Global
Credit Card
Pre-departure expenses
GRE+TOEFL fees, college application fees, Sevis Fee (for USA), visa fee, enrollment fee, accommodation deposit
$3,300 ₹2,90,060 ₹2,73,900
Total pre-departure savings on forex in India ₹16,160
Post-departure expenses
Flat amenities, college supplies, electronics, rent & monthly expenses for 1.5 years, travel for interviews and leisure
$27,200 ₹23,90,798 ₹22,57,600
Total post-departure savings on forex while abroad ₹1,33,198

(This table is an approximation of expenses)*

Save more time, effort, and money

Explore knowledge repositories about Visa processes, part-time jobs, cost of living, and much more .

Connect with like-minded international students through our Niyo Student Community

 

Hear from fellow
international students

Aaditya Chandra Prasanth
I've been using Niyo Global card from a long time, the card has made my overseas transactions hassle-free, and the accompanying app lets me manage my account with ease.
Pranay Shukla
I got my niyo global card even before landing in the US and it’s been a great help ever since. From booking my first Lyft ride to my apartment for the first time from the airport to saving on international transaction fees on weekly basis on groceries, food etc it’s been one of the best money saving facilities.
Sai Anirudh
I am glad that I have been associated with Niyo Global, it has helped me pay my tuition fees with the Zero Forex Charges, helping me transfer money abroad from India without any hassle.

Niyo Student FAQs

Looking for a travel card for students? Check out zero forex markup Niyo Global international debit/credit cards designed particularly for Indian students heading abroad for higher studies. It offers all the features of a Forex card for students but with added benefits and increased savings. Niyo Global cards can be loaded with INR and students can use them to transact in 130+ currencies while studying abroad in any of the 150+ countries globally. A Niyo Global travel card for students is an extremely easy and convenient way to make transactions in foreign currency abroad and save money along the way.

The Niyo Global cards are linked to high-interest earning digital savings accounts which ensures that your money continues to grow while you are busy keeping on track with your studies.

  • Convenient and Easy to Use Niyo Global travel card for international students facilitates ease in transactions while studying abroad. Loading money in the home currency and using it in any country, regardless of the currency change, is made possible and smooth with the international Niyo Global cards.
  • Secure Method to Conduct Transactions Niyo Global cards can be used as travel card for students heading abroad to study. Niyo Global cards take away the need to carry large amounts of cash and the need to exchange money to make an international transaction. The cards come with additional security features to temporarily Lock/Unlock the entire card or certain payment channels such as online transactions, card swipe, ATM and Tap & Pay and permanently block the card in case it is lost or stolen.
  • Immediate Fund Transfer You can add money instantly to your Niyo Global Card via UPI/IMPS/NEFT. Once the transaction is successful, you will receive a confirmation message on your registered mobile number and email address. You can also check the updated balance on your Niyo Global app. Compare this to other student forex cards which may take 2-3 days for funds to become available on your card. Instant reloading of Niyo Global cards is extremely helpful when you are a student abroad and running short on cash.
  • Get an ISIC Card for FREE with Niyo Global The Niyo Global card can be used to get an ISIC or International Student ID Card for FREE (worth ₹999). It is accepted globally and can be used in 130+ countries to avail of 1.5K+ discounts and much more! Many Forex Card for students don’t have this benefit.
  • Competitive Exchange Rates Travel student cards like Niyo Global debit/credit cards are extremely student-friendly as they help save money by trimming down costs by up to 5% on every transaction because of their zero forex markup benefit. Only the transaction amount is converted and the remaining amount continues to earn high interest. Only the VISA exchange rate applies to all international transactions providing students with the best conversion rate almost on par with the interbank rate. What’s more? Niyo Global Credit Card can be used as an international student credit card to make forex payments at zero forex markup.

The Niyo Global cards have an acceptance rate for 130+ currencies. All your forex transactions are sorted, and you can study abroad worry-free with Niyo Global cards. There is no need to load different currencies on the Niyo Global cards. You just load your card/s with INR and the rest is taken care of by your card. You can transact in multiple foreign currencies, including USD, EUR, GBP, AUD, CAD, SGD, JPY, CHF, SEK, THB, AED, SAR, HKD, NZD, ZAR, DKK, NOK, and QAR to name a few.

The INR in your card/s is auto-converted to the transaction amount in the local currency of where you choose to study in 150+ countries across the world.

If you are looking for a forex Card for international students, your search ends with Niyo Global cards!

The Niyo Global cards are valid for 5 years from the date of issue.

You can either lock or block your card to safeguard your account. Locking the card would be temporary, whereas blocking the card would be permanent. Please note that once blocked, you would need to order a new card at an additional cost.

You just need your Aadhaar, PAN, and Indian Passport to open a Niyo Global account and get your Niyo Global card in just a few simple steps.

  • Download the Niyo Global App
  • Enter your Aadhaar-linked mobile number and complete the OTP verification
  • Similarly, verify your email address too
  • Pick a bank of your choice: SBM Bank (India), Equitas Small Finance Bank, or DCB Bank
  • Enter your PAN and Aadhaar details to complete the KYC process with the bank you have picked
  • Next, verify your passport by entering the Passport File Number (find it at the bottom of the address page or last page)
  • Capture your live photo and enter Personal Details
  • Select your Communication Address and enter Nominee Details for your account. Make sure it is someone you trust.
  • That’s it, your Niyo Global digital savings account will be ready and the physical debit card will get delivered to your Communication Address in 3 days
  • Order your physical credit card (available only for Niyo Global SBM) to maximise your student savings

You can add money to your Niyo Global Card in just a few simple steps at no extra cost:

  • Log in to your Niyo Global app
  • Click on “Add Money”
  • Choose a payment method: UPI/Bank Transfer
    • For UPI: Enter the amount you want to add and follow the instructions on your third-party UPI app to complete the transaction
    • For Bank Transfer: Add your Niyo Global account as a beneficiary in another NEFT/IMPS-compatible bank account and complete the transaction

Once the transaction is successful, the funds will be loaded to your Niyo Global Card and you will receive a confirmation message on your registered mobile number and email address. You can also check the updated balance on your Niyo Global app.

Compare this to other student forex cards which may take 2-3 days for funds to become available on your card. Instant reloading of Niyo Global cards is extremely helpful when you are a student abroad and running short on cash

  • Check all transactions in one place
  • In-app security
  • Channel-wise security
  • Limit control
  • Hassle-free tap & pay option

Banking Partners

SBM Bank

*VISA exchange rate is applicable. #At select international terminals in India. Conditions apply.