Today I got a message,
Dear Customer, as per RBI guidelines, Online/e-comm transactions on your IDFC FIRST Bank Debit Card ending xxxx have been disabled. To enable, click https://idfcfir.st/4d812
The link downloads a pdf with the steps to enable.
There is no option to enable this in Niyo IDFC application. The mentioned steps require us to download a separate IDFC First Bank application and thereby creating username/password for the new app.
This is not a pleasant experience for a customer to manage two different applications for a single bank account. I believe all the interactions for Niyo IDFC customer should happen only through Niyo app and not IDFC.