Hey Vicky! You can load this card in INR, and use it at any VISA-accepting merchant in the world, including in India. No matter where you use your Niyo card, there will be zero markup charges. ∞LK
This card is easy to load you can load in INR, you can use the card for all currency with zero cnversation.
Although there is Zero markup charge, there is sometimes an extra charge due to currency rate mismatch which looks like a markup charge with another name.