Hey, @dhirajbennadi ! Welcome to the Niyo Community!
NiyoX account is now a zero balance account. Please go through this community post to know more
https://community.goniyo.com/t/we-heard-you-niyo-equitas-savings-account-is-now-a-zero-balance-account/5565
Please note that we do not have the feature to not opt for the physical card. But your card is free for the first year and you do not have to pay the annual charges. And, we will take this as a suggestion for future implications in the app. Thank you so much! ES
