Hi @shawn_007,
Welcome to the Niyo Community! 
Absolutely! Your Niyo DCB Debit Card is your perfect companion for seamless transactions in Thailand.
Swipe away at POS terminals worry-free, as there are no additional charges from our end. Transactions are swiftly processed, with amounts converted to local currency using Live Visa exchange rates.
For international ATM withdrawals using your Niyo DCB Debit Card, there is a charge of INR 425 + GST per transaction.
Regarding our Niyo SBM Secured Credit Card, it functions differently from a debit card. This credit card is secured against a Fixed Deposit (FD) that you create, starting from a minimum of Rs 5,000 up to a maximum of Rs 50 lakh within the Niyo app. Your credit limit will match the amount of your FD, providing you flexibility based on your deposit amount.
With the Niyo SBM Secured Credit Card, you benefit from a free credit period while your FD continues to earn interest for you. Plus, you can enjoy unlimited international spending with Zero TCS (Tax Collected at Source).
You can refer to this link to check out the charges for the Niyo products: Niyo Products Comparison
If there’s anything else you’re curious about or need assistance with, feel free to ask. We’re here to ensure your journey with Niyo is smooth and rewarding!
Thanks
