Hey Joshua!
Welcome to the Niyo Community! 
Thank you for sharing your suggestion with us.
At the moment, we do not have a zero forex credit card without a lien amount requirement in the pipeline. However, we truly value ideas like yours — especially around adding benefits such as lounge access and complimentary Priority Pass visits.
We’ve noted your feedback and will be sure to share it with the relevant team for consideration. Customer inputs like this help us shape better products and features going forward.
Please feel free to keep the suggestions coming — we’re always listening! 
