Hi @Oshin,
Welcome to the Niyo Community! 
Just a quick note: transferring money directly abroad won’t qualify for the free lounge access.
To enjoy complimentary lounge access, you need to spend ₹50,000 or more outside India in a calendar quarter using a single Niyo card.
This spend can include both POS (card swipe) and online (e-commerce) transactions. Once you meet the spending requirement, you can generate your Lounge Pass through the Niyo app.
Please note, it might take up to 7 days for the Lounge Pass to appear in your app, so plan your travel accordingly!
Hope this helps!
