# Explore what more you can do with your Niyo Global Card **URL:** \ **Category:** Banks\ **Tags:** banking, welcome\_niyo-sbm, onboarding\_niyo-sbm, travel\ **Created:** [November 19, 2021, 8:05am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009 "2021-11-19T08:05:50Z")\ **Posts on this page:** 9\ **Page:** 1
**Author:** ![ashrithjain](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/ashrithjain/32/14659_2.png) [@ashrithjain](https://community.goniyo.com/u/ashrithjain)\ **Post date:** [November 19, 2021, 8:05am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/1 "2021-11-19T08:05:50Z")
Hi all, The **Niyo Global Visa Signature Debit Card** is a top of the line debit card enabled with a convenient “Tap and Pay” feature and other extraordinary benefits. It’s your best travel partner no matter where your destination is. 🧭 Here are a host of features and benefits for a seamless and luxurious banking experience: 1. **Zero forex markup:** Your Niyo Global card comes with zero forex markup. Generally, while making payments in a foreign currency with another bank credit/debit card, a forex markup fee is usually charged by the bank on the total transaction amount. However, we don’t charge you anything for this convenience. This is extremely cost-efficient for all transactions like flight bookings, paying tuition fees, etc. 2. **Tap and Pay:** The Tap and Pay feature of your Niyo Global card facilitates contactless payments at stores ensuring quicker transactions and lesser wait time at checkout. 3. **Complimentary airport lounge access:** You can now experience the luxury of travel with your Niyo Global card with complimentary airport lounge access at domestic/international terminals of major airports across India. 4. **Concierge services:** VISA Concierge is a 24X7 digital personal assistant and lifestyle guide that gives you access to extraordinary experiences and exclusive privileges. You can download the Visa Concierge app to view your exclusive privileges and benefits both locally and overseas. 5. **Exclusive in-app offers:** We have curated offers for you on hotel and flight bookings and more. Check out [exclusive offers](https://www.goniyo.com/global/global-offers/) and [curated offers](https://community.goniyo.com/t/niyo-sbm-here-are-offers-you-just-cant-refuse/9910/) with domestic & international merchants on the Niyo Global app. 6. **Meet and assist service:** You can get customized services such as assistance through immigration queues, help with your baggage or arriving at your destination in style. _Should you have any further questions, please feel free to reach out to us through the 24X7 in-app chat support._ Happy travels! ✈ Best, Team Niyo * * * > **Terms and conditions** > > - Niyo doesn’t charge a foreign exchange fee. VISA exchange rates apply to all your international transactions. For more information, check the [VISA exchange rate calculator](https://www.visa.co.in/travel-with-visa/exchange-rate-calculator.html). > > - As per the RBI ruling, there is a maximum limit of ₹5,000 per contactless transaction in India. For higher value transactions, you will need to enter your PIN. > > - International contactless limits vary depending on a country’s local laws. > > - Your VISA Signature Debit Card comes with one complimentary airport lounge access every calendar quarter at domestic/international terminals of major airports across India. > > - Check the [list of participating airports](https://www.visa.co.in/content/dam/VCOM/regional/ap/india/global-elements/documents/in-participating-airport-lounges.pdf). > > - You just need to present your boarding pass and validate your card by swiping for a nominal fee of ₹2 at the lounge entry. > > - In addition to the complimentary access, you’re also entitled to unrestricted (chargeable) access for yourself and for your accompanying guests. > > - YQ Now Group in association with VISA provides meet and assist services. Check their [bespoke airport luxuries](https://speedpass.yqnowgroup.com/) across the globe. * * * ---
**Author:** ![ashrithjain](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/ashrithjain/32/14659_2.png) [@ashrithjain](https://community.goniyo.com/u/ashrithjain)\ **Post date:** [November 24, 2021, 4:16pm UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/4 "2021-11-24T16:16:41Z")
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**Author:** ![Irshad\_Ali](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/irshad_ali/32/14085_2.png) [@Irshad\_Ali](https://community.goniyo.com/u/Irshad_Ali)\ **Post date:** [December 8, 2021, 5:26pm UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/5 "2021-12-08T17:26:16Z")
@ashrithjain Any plans in pipeline to wave off annual charge of niyo global sbm card. ---
**Author:** ![goneo](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/goneo/32/1287_2.png) [@goneo](https://community.goniyo.com/u/goneo)\ **Post date:** [December 9, 2021, 4:37am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/6 "2021-12-09T04:37:24Z")
@Irshad_Ali @ashrithjain is not with Niyo anymore. 30th Nov was his last working day. ---
**Author:** ![Deepak](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/deepak/32/3496_2.png) [@Deepak](https://community.goniyo.com/u/Deepak)\ **Post date:** [December 10, 2021, 12:23pm UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/7 "2021-12-10T12:23:12Z")
Hey @Irshad_Ali! There is no annual charge from the second year. As per the recent update, the VISA Signature Debit Card is going to be a Lifetime free debit card. -WB ---
**Author:** ![Jatin\_Singh](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/jatin_singh/32/21246_2.png) [@Jatin\_Singh](https://community.goniyo.com/u/Jatin_Singh)\ **Post date:** [April 27, 2022, 8:18am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/8 "2022-04-27T08:18:30Z")
Continuing the discussion from [Explore what more you can do with your Niyo Global Card](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009): What about the charges of international transactions??? Is it same as dcb ---
**Author:** ![Deepak](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/deepak/32/3496_2.png) [@Deepak](https://community.goniyo.com/u/Deepak)\ **Post date:** [April 27, 2022, 10:53am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/9 "2022-04-27T10:53:53Z")
Hey @Jatin_Singh! Welcome to Niyo Community! You may check our previous Community post here: [Planning to use abroad - #3 by Deepak](https://community.goniyo.com/t/planning-to-use-abroad/11363/3) Hope it answers your query. For any further help, reach out to us and we are happy to help you. Regards, ---
**Author:** ![Amrutha\_Pagad](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/amrutha_pagad/32/26858_2.png) [@Amrutha\_Pagad](https://community.goniyo.com/u/Amrutha_Pagad)\ **Post date:** [September 3, 2022, 5:29am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/10 "2022-09-03T05:29:55Z")
Continuing the discussion from [Explore what more you can do with your Niyo Global Card](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009): Hello, does Niyo Global card give free or discounted airport lounge access in international airports? If yes, then which airports are these? ---
**Author:** ![Zahid\_Niyo](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/zahid_niyo/32/34768_2.png) [@Zahid\_Niyo](https://community.goniyo.com/u/Zahid_Niyo)\ **Post date:** [November 19, 2024, 7:16am UTC](https://community.goniyo.com/t/explore-what-more-you-can-do-with-your-niyo-global-card/10009/11 "2024-11-19T07:16:59Z")