Niyo Global Zero Forex Card
Travel light, pay right with zero forex markup on international transactions. The perfect financial companion for your journey to Germany.
Features & Benefits
The Niyo Global Zero Forex Card offers numerous advantages over traditional forex cards and cash.
Zero Forex Markup
Pay 0% markup on all international transactions. Only the standard VISA exchange rates apply, saving you 3-5% on every purchase.
Global Acceptance
Use in 180+ countries and 130+ currencies. Widely accepted at all VISA-enabled merchants, ATMs, and online platforms worldwide.
Load in INR
Add money in Indian Rupees. No need to pre-convert to foreign currency. Conversion happens only at the time of transaction.
No TCS
Spend up to ₹7 lakh abroad without any Tax Collected at Source (TCS) on the debit cards. The credit card offers unlimited international spending without TCS.
Earn Interest
Earn up to 8% interest per annum on your Niyo digital savings account balance, making your money work for you while you travel.
Easy Money Management
Withdraw or transfer unused money back to your account in INR without conversion fees. Instant notifications for all transactions.
How It Works
Getting and using your Niyo Global Zero Forex Card is simple and straightforward.
Apply for the Card
Fill out our simple request form. Our team will contact you to guide you through the application process.
Download the Niyo App
Install the Niyo app and register with your details. Verify your identity with PAN and Aadhaar documents.
Choose Your Card
Select between the SBM Debit Card, DCB Debit Card, or SBM Credit Card based on your needs and eligibility.
Complete Video KYC
Finish the verification process with a simple video KYC procedure to confirm your identity.
Receive Your Card
Your physical card will be delivered to your address within 3-5 business days.
Load Money & Travel
Add funds to your card in INR via UPI or bank transfer. You're now ready to use it worldwide with zero forex markup.
Card Options Comparison
Compare the different Niyo Global Zero Forex Card options to find the right one for your needs.
| Features | DCB Niyo Debit Card | Niyo SBM Debit Card | Niyo SBM Credit Card |
|---|---|---|---|
| Zero Forex Markup | ✓ | ✓ | ✓ |
| Lounge Access | ✓ | ✓ | ✓ |
| No TCS | Up to ₹10 lakh | Up to ₹10 lakh | Unlimited |
| Interest Rate | Up to 8% p.a. | Up to 8% p.a. | Up to 7% on linked FD |
| Annual Fee | ₹499 + GST (waived with ₹5,000 QAB) | No annual charge | ₹423 + GST |
Additional Benefits
The Niyo Global Zero Forex Card comes with several exclusive advantages.
Reward Program
Earn Niyo Coins on transactions, referrals, and other activities. Each coin is worth 10 Indian paise and can be redeemed for flight bookings and visa applications.
Free Lounge Access
Enjoy complimentary airport lounge access outside India based on quarterly international spends of ₹50,000, making your travel experience more comfortable.
24/7 Support
Access round-the-clock in-app chat support for any queries or issues that may arise during your international travel, ensuring peace of mind.
Free ATM Withdrawals
Make ATM withdrawals abroad with no additional charges from Niyo (local ATM fees may still apply). The app also helps locate surcharge-free ATMs.
Travel Benefits
Enjoy zero convenience fees on flight bookings, zero service fees on visa applications, and special discounts on travel insurance and experience tickets.
Digital Tools
Access helpful digital tools like a currency converter for live exchange rates, virtual card for online transactions, and real-time transaction notifications.
Why Choose Niyo Global Zero Forex Card?
The best financial companion for your international journey.
Security & Peace of Mind
The Niyo card is a secure alternative to carrying cash, with real-time notifications for all transactions and the ability to freeze your card instantly via the app if needed.
Significant Savings
By eliminating forex markup fees (typically 3-5%), you save substantially on every international transaction. For a €10,000 spend in Germany, you could save up to €500 compared to traditional cards.
Flexibility & Convenience
Load money in INR and use it in any currency without pre-conversion. Any unused funds remain in INR and can be withdrawn or transferred back without conversion fees.
Efficiency & Accessibility
Quick application process with digital onboarding, fast card delivery, and an intuitive mobile app that gives you complete control over your money while traveling.
Frequently Asked Questions
Find answers to common questions about the Niyo Global Zero Forex Card.
Travel Card FAQs
Everything you need to know about the Niyo Global Zero Forex Card.
Ready to Get Your Zero Forex Card?
Apply now for the Niyo Global Zero Forex Card and start saving on your international transactions.