Hi @Ajay_Adit,
Welcome to the Niyo Community! 
We tried calling you at 789xxxx089, but couldn’t connect. We will answer your inquiries here.
1. Any amount credited to your Niyo SBM or Niyo DCB savings account is available for immediate use. Both accounts function like regular savings accounts, supporting seamless credit and debit transactions.
2. There are no charges for account inactivity. However, for the Niyo SBM FD-backed credit card, if unused for a year, the card will be automatically blocked. A replacement card can be requested with a reissuance fee of ₹249 + GST.
3. Refunds on the Niyo SBM card take up to 5 working days for domestic transactions and up to 15 working days for international transactions, provided the refund is processed successfully and automatically. For more information on Terms, please visit goniyo.com.
4. Both Niyo SBM and Niyo DCB cards offer similar features, including zero forex markup. However, bank-specific charges such as annual maintenance and ATM withdrawal fees may vary. You can refer to the respective bank’s Schedule of Charges for detailed information:
* Niyo SBM: https://static.goniyo.com/legal/Niyo_SBM_SOC.pdf
*Niyo SBM credit card: https://static.goniyo.com/legal/Niyo%20Global%20SBM%20CC_SOC.pdf
*Niyo DCB: https://www.dcbbank.com/api/dcb/assets/2024-11/SOC-DCB-Niyo-Savings-Account.pdf
