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Hello @NIYOCOMM20241027YDTM,

Welcome to the Niyo Community! :raised_hands:

Both the Niyo Global Debit and Credit cards by SBM come with a 0% markup fee for international transactions, including in Indonesia :indonesia:. You can use them seamlessly at POS machines, ATMs, airports, and other locations there. :airplane::credit_card:

For the credit card:

Yes, you’ll be able to use it both internationally and domestically, even when you’re back in India. :house::earth_asia:

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! :briefcase::chart_with_upwards_trend:

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! :blush::earth_asia: