Hi @Shubham0720,
Thank you for your valuable time on the call. As discussed, we kindly request you to complete the re-KYC process once again. We truly appreciate your patience and cooperation as we work to get this resolved.
Between SBM NIYO CC and SC, which is more beneficial in Thailand ?
Hey Himanshu!
Welcome to the Niyo Community!
Great to hear you’re considering getting a Niyo card for your travels!
Both the Niyo Global SBM and Niyo Global DCB cards are built to help you spend smart while exploring the world 
— with zero forex markup, rewards, and other travel-friendly benefits.
If you’re unsure which one to go for, here’s a detailed and simple breakdown to help you make the best choice based on your needs:
What’s Common Between Both
No matter which card you choose — SBM or DCB — you’ll get access to:
- Zero forex markup: You won’t pay any extra charges for currency conversion on international swipes, ATM withdrawals, or online spends in foreign currencies.
- Free international lounge access: 1 free airport lounge pass per quarter on doing ₹50,000+ international spends.
- Niyo Coins: Earn coins on spends, ATM charges are reversed as coins, and you can redeem them in the app.
- 3 free international ATM withdrawals per quarter.
- Smart app features: Lock/unlock card, check live forex rates, access travel insurance, apply for visas, and even book flights & hotels.
- Interest on savings/FD: You can earn up to 7.50% p.a. depending on the card and account.
Option 1: Niyo Global DCB (Debit Card)
- Card Type: Debit card linked to a DCB savings account.
- Annual Maintenance Charge (AMC): ₹499 + GST per year
→ Waived if you maintain a ₹5,000 average quarterly balance. - TCS (Tax Collected at Source):
→ 0% TCS up to ₹10 lakh per financial year
→ 20% TCS on spends above ₹10 lakh (refundable via ITR) - Interest on savings: Up to 7.50% p.a. on your DCB savings balance.
- Tap‑and‑pay enabled: Especially helpful for public transport abroad (like metro in Singapore, UK, etc.)
- No credit support: Only lets you spend what’s in your account (no hotel/car rental pre-auths).
When you go with Niyo Global SBM, you actually get access to two cards:
- A Debit Card linked to your SBM savings account.
- An optional Secured Credit Card, backed by a fixed deposit with SBM.
Niyo Global SBM Debit Card
- AMC: ₹423 + GST annually
→ Waived if you maintain ₹5,000 average balance in the 3 months before your account anniversary. - TCS:
→ 0% TCS up to ₹10 lakh/year
→ 20% beyond ₹10 lakh under LRS (refundable via ITR) - Interest on savings: Up to 7.50% p.a.
- Tap‑and‑pay not supported for transport abroad.
- No pre-authorisation support or credit building.
- Works like a regular savings-linked debit card.
Niyo Global SBM Secured Credit Card (FD-Backed)
- AMC: ₹0 — no annual charges.
- TCS: Not applicable — since it’s a credit card, it doesn’t fall under LRS, so no TCS, even if you spend above ₹10L/year.
- Credit period: Interest-free for up to 45 days.
- Interest on FD: Up to 7.50% p.a., depending on the deposit term.
- Credit interest (on unpaid dues): 3.5% per month if the bill is unpaid.
- Supports pre-authorisations — great for hotel bookings, car rentals, or travel deposits.
- Helps build your credit score — ideal if you’re looking to strengthen your financial profile.
Side-by-Side Comparison
| Feature | DCB Debit | SBM Debit | SBM Credit (FD-backed) |
|---|---|---|---|
| Card Type | Debit (Savings) | Debit (Savings) | Secured Credit (FD) |
| AMC | ₹499 (waived*) | ₹423 + GST (waived*) | ₹0 |
| TCS beyond ₹10L/year | 20% (refundable) |
20% (refundable) |
 No TCS |
| Interest Earned | Up to 7.5% p.a. | Up to 7.5% p.a. | Up to 7.5% p.a. on FD |
| Tap-to-pay (Transport) | Yes |
Yes |
Yes |
| Pre-authorisations | No |
No |
Yes |
| Builds Credit Score | No |
No |
Yes |
So… Which One Should You Choose?
Choose Niyo DCB Debit if:
- You want a simple debit card that works abroad without fuss.
- You travel to places where tap‑and‑pay for transport is useful.
- You plan to spend under ₹10L/year internationally.
- You don’t need pre-authorisation or credit-building features.
Choose Niyo SBM if:
- You want both a debit and a credit card for flexibility.
- You’d rather avoid TCS altogether — especially if you might spend more than ₹10L.
- You need a card that works for hotel bookings and rentals requiring credit holds.
- You want to build your credit score while earning FD interest.
Ready to Get Started?
To download the Niyo app and explore both options in detail, just hit this link:
Many users go for both cards — one debit and one credit — to cover all bases.
You can also check out the Zero Forex Cards section on the Niyo website and the FAQs for more info.
And of course, if you need help based on your travel plans, just drop your questions here — We’ll be happy to help you out! Cheer! 
Thanks this is quite helpful. Niyo CC looked interesting to me but the opening of FD is a hassle, more so from point of view of ITR filling
Cheers
H
Thank you for sharing your thoughts! We completely understand your perspective regarding FD and ITR filing. 
We’re glad you found the Niyo Credit Card interesting. However, you can proceed with our debit cards.
If you need any assistance or have any questions while exploring our products, please feel free to write back—we’ll be happy to help!
Hello Nitin
I completed my video kyc successfully and the debit card is also activated but still I am not able to withdraw any of my funds
Debit card transaction is not going through . It fails everytime
Neither the fund transfer section in the app is working
Please help me. I am in urgent need of the money
Thanks
Hi @Shubham0720,
Thank you for your valuable time on the call. As discussed, we will get this checked with the concerned team and will keep you updated at the earliest. We truly appreciate your patience and understanding.
Hi @Shubham0720,
We tried reaching you on a call but couldn’t get connected. Please note that we have escalated your issue to the concerned team for review and resolution at the earliest. We will keep you posted as soon as we receive an update. We truly appreciate your patience and understanding.
Hi Travellers, Does NIYO Global Visa Credit or Debit card from SBM bank work in Russia?
Hey @Ankur_R_Mishra
Unfortunately, Niyo SBM Visa cards don’t work in Russia, as Visa has currently suspended its operations there. We’d recommend carrying an alternative payment option for your trip. Safe travels! 
Hello, you should stop advertising “zero markup” for online and tap-and-pay transactions, because many people believe and apply based on that claim. However, I’ve noticed that a considerable amount is being deducted from each of my transactions — something many people might not even notice. Please be transparent about your charges instead of making misleading claims.
Hi @Jeevika_B_T
Welcome to the Niyo Community! 
We sincerely regret any inconvenience this may have caused. We would like to inform you that no markup fees are applied to any Niyo debit or secured credit card. However, charges may be applied by the merchant for international transactions, or if the TCS limit on your debit card has been exceeded. If you still believe you were charged an extra amount that should not have been applied, please share a screenshot of the transaction. We will have it checked with the bank.
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 travelers! 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 
I am a studying in japan and want to make an international transfer from my niyo card to my japanese bank account for payment of my fees will i have to pay any extra charges?
Hi @Hulkbuster!
Thank you for reaching out to us. 
We would like to inform you that we currently do not have a feature for transferring money from a Niyo account to other international bank accounts. However, we do offer a “Send Money Abroad” feature 
exclusively for educational purposes only, which allows you to send money directly to a university. 
For any further queries or support, feel free to connect with our dedicated team at +91 83102 34787 
or please visit our site: “International Money Transfer from India at Zero Forex Markup”.
Are the Niyo DCB Debit Card working on Vietnam?
Hey @Pankaj_Saxena
Welcome to the Niyo Community! 
Yes, your Niyo DCB Debit Card works smoothly in Vietnam for both online and offline transactions. 
Just make sure international usage is enabled in your app before you travel, and you’ll be all set to use your card hassle-free! 
Have a great trip and enjoy a seamless payment experience with Niyo! 
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 travelers! 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!
Hi Team,
I have a Niyo SBM Debit card, and I’ve come across several YouTube videos and online posts mentioning that Vietnam might be blacklisted for ATM withdrawals or card usage.
I’ve already enabled international transactions in my app and successfully completed a trial international payment to confirm everything is working fine.
I’ll be traveling to Vietnam on 16th November 2025, so I’d like to confirm whether my card will work there for ATM withdrawals, POS transactions, and online payments.
Could you please clarify if Vietnam is indeed restricted or if I can use my card normally across the country?
Thanks in advance for your help! 
Hey @Arnab_Bhattacharya ,
Welcome to the Niyo Community!
Thank you for reaching out to us. We’re glad to inform you that your Niyo SBM Debit Card will work smoothly in Vietnam for both domestic and international transactions, including ATM withdrawals, POS payments, and online transactions. 
You’ve already done the right thing by enabling international transactions and completing a trial payment — that’s a great step to ensure everything’s set up perfectly!
So no worries at all — you can use your Niyo card normally across Vietnam during your travels. 
Have a great trip and enjoy a seamless experience with Niyo!
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 travelers! 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
Early dispatch of Niyo Global DBS Card to my home
Hi @Vishal_Dua,
Welcome to the Niyo Community!
Thank you for reaching out, Vishal. We tried locating your details using the email ID linked to your Community account, but couldn’t find any records. Could you please share your registered email ID or mobile number via DM so we can look into this and assist you further with your card delivery request?
