Hi @Asish_Bishoi,
We would like to inform you that the transactions via our cards go as per the daily Visa exchange rates. You can cross-verify the daily rates via this site: Exchange Rate Calculator | Visa | Visa
Also, the transactions will be processed without any forex markup fee and are usually seamless. However, the Niyo cards cannot be used for crypto, trading and betting/gambling purposes. We would request that you feel free to reach out to our in-app chat support or email us at global@goniyo.com if you are facing any difficulties with your international transaction, and we will hop in to assist you promptly. 
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.
Plus, it’s the perfect spot to connect with fellow travellers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything.
