Hello @NIYOCOMM20241027YDTM,
Welcome to the Niyo Community! 
Both the Niyo Global Debit and Credit cards by SBM come with a 0% markup fee for international transactions, including in Indonesia 
. You can use them seamlessly at POS machines, ATMs, airports, and other locations there. 
For the credit card:
Yes, you’ll be able to use it both internationally and domestically, even when you’re back in India. 
Since it’s a secured card, an FD (fixed deposit) is mandatory as it acts as the limit for your credit card. Typically, maintaining a minimum amount in the FD keeps your credit line active and usable! 
Let me know if you need further assistance via live chat feature in the app or write to us here, and have an amazing trip! 
