Hi @Keshav_garg,
(1/4) >International ATMs: ₹100 per transaction + GST
(2/4) You can transact from Niyo Global by SBM on real time Visa conversion rates (which you can check in app before hand)
(3/4) As its a 0 forex card there are no extra/ hidden charges to the card. Providing SOC link for reference : https://static.goniyo.com/legal/Niyo_SBM_SOC.pdf
(4/4) Difference between Niyo global by DCB and Niyo Global by SBM could be here:
Beta Version - Niyo Global in partnership with SBM Bank India (State Bank of Mauritius)🌎 - #92 by Bansari
Cheers!
Bansari