Hey Pankaj!
Welcome to the Niyo Community! 
We understand your concern regarding the savings rate and the FD backed credit card limit.
Please note that Secured FD and lien-based FD are two different facilities and are associated with two different partner banks.
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To increase the limit on the Niyo SBM Credit Card, you would need to create an additional FD with SBM Bank (India), as this card is FD-backed.
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For the Niyo DCB Credit Card, the limit is lien-based, meaning a specific amount must be maintained as a lien in your DCB Bank savings account to enhance the limit.
Also, please be informed that Niyo offers international debit and credit cards with zero forex markup, making them suitable for international spends, travel, and online global transactions. We currently partner with DCB Bank and SBM Bank (India) for these offerings.
For detailed information, you can visit: https://goniyo.com/
If you need any assistance, feel free to write back. You may also connect us via 24×7 in-app live chat, or email us at global@goniyo.com. We’re happy to help. 
