Avoid International Declines and DCC Fees with Niyo Card!

All things Niyo Cards
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Avoid Declines on Agoda, Klook, and Foreign ATMs! :earth_asia::credit_card:


Did you know you could be paying 5-10%* extra on your international transactions without realizing it?

Here’s why:

Many foreign ATMs, online merchants like Agoda and Klook, and card machines offer to convert your payment into INR. While it sounds convenient, it’s often a hidden-fee trap called Dynamic Currency Conversion (DCC).

What is DCC?

DCC lets a foreign merchant, ATM, or bank set the exchange rate—usually much higher than your bank’s rate. This means you end up paying more than necessary for your transactions.

How to Avoid This Hidden Fee?


:white_check_mark: Always choose to pay in the local currency while traveling.
:white_check_mark: Use your Niyo DCB International Debit Card for the best exchange rates.
:white_check_mark: Skip DCC at checkout to avoid unnecessary declines and fees.


:video_camera: Explore more tips: Watch the video here :point_left:.

For a detailed guide on avoiding declines and skipping DCC fees on Agoda and Klook, check out this post :point_down::

Travel smarter, save more, and enjoy hassle-free payments abroad! :earth_africa: Cheers!:sparkles:

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Great tip, @Zahid_Niyo ! :clap:

Avoiding DCC really helps save on extra costs right away – By choosing the local currency, you’re ensuring you get the best exchange rates instantly and avoid those unnecessary fees. :earth_africa::credit_card:

Also, don’t forget to double-check your card settings for international use before traveling to avoid any hiccups. :airplane:

Safe travels and happy spending, everyone! :star2:

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