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Hi I’m a student and came across niyo and saw it issues different cards which might be helpful abroad now I need to know the difference between them what’s the difference between zero forex cards debit card fd backed credit card and zero forex student card and fd backed student credit card are these all same like the usual ones
Plus is the zero forex student card same as regular debit or zero forex card listed on the website
Is the first atm withdrawal free and after that how much I need to pay for subsequent withdrawals and regarding online payments or pos payments abroad are they all charges free or I need to pay the charges like for atm withdrawal
Can I pay my fees with it and use on shopping websites recharges flight bookings
Also if I create my account now which bank will issue the zero forex student card dcb or sbm and same for regular debit or zero forex as shown on the website
And do i need to add money the same day as I create my account or I can do it after I go to abroad or just 2 or 3 days before it suppose let’s say 3 months from now and if I don’t add the money the same day I create my account and I do it after 2 or 3 months will there be any penalties or charges for it
And also explain me the average monthly balance of 5k rule 500 rs charges will be waived off
Also will it work in kyrgyzstan without any issues
We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Thank you for your time over the call. As discussed, we hope we have addressed all your queries!
For any further assistance or information, please feel free to reach us via our 24/7 in-app chat support or email us at (global@goniyo.com). We are happy to assist!
Yea so during our conversation i didn’t heard one thing clearly is only sbm cards not available in Kashmir or both dcb and sbm cards not issued here also on the app when I entered my pincode it is showing options as avail options standard delivery 3 to 5 days . So is it available?
Thank you for your time over the call. As discussed, we regret to inform you that account creation with our partner banks is currently not available in Jammu & Kashmir, regardless of the delivery options shown on the app.
We sincerely apologize for any confusion caused by the pincode status in the app. For any further queries, please reach us via our 24/7 in-app chat support or email us at (global@goniyo.com). We are happy to assist!
