Hi @Kdkoradia,
Thank you for your time on the call. 
As discussed, we are committed to ensuring that your refund is credited to your account. 
While we understand the urgency, we must adhere to the bank’s estimated resolution time (ETR). 
We kindly request your patience until February 4, 2025, as the credit may occur by then. 
Your understanding is greatly appreciated. 
Hi @Kdkoradia ,
Thank you for your time over the call. We’re glad to hear that your refund has been credited, and we appreciate your confirmation.
Please feel free to share your feedback or any queries here—we’re always here to assist you with utmost sincerity! 
Hello
Thank you for resolving the issue.
2 Likes
Hi @Kdkoradia ,
Thanks for your valuable confirmation! We’re glad to know your issue has been resolved. We’re always here to assist you, so feel free to reach out anytime—whether here or through our in-app support. 
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travellers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything
1 Like
Hi Niyo team
On 8th October I ordered
iphone 17 pro max from Niyo global dcb bank card online apple store Dubai.
Apple had authorized the funds INR 123,298 from my dcb bank card. the funds were fully debited from my card.
The next day when apple cancelled the order they removed the authorization hold of RS 123,298 from my card ( authorization code: 622980 )
Apple has completely done their part of refunding the full money but it’s been 17 days but DCB bank has not credited it my bank account.
You can contact apple by calling them they will inform you about the full refund.
Please contact me via WhatsApp calls as I’m traveling international
I really love your product please don’t let me down please help me get my money back I intend to use the card more often internationally.
Hi @Autonomy_Ai ,
Thank you for reaching out to us. We completely understand how concerning it must be not to have received your refund. We tried locating your details using the email ID linked to your Niyo Community account, but couldn’t find any records. We’ll connect with you via DM to get your registered email ID or mobile number so we can check this and assist you further. Appreciate your patience and understanding.
1 Like
I have sent my details via DM kindly check & create a ticket with DCB bank & revert back to me
Make it quick cuz it’s already been 17 days and no automatic refund has been credited to my DCB bank
Standard refund processing time is 2–5 working days
Hi @Autonomy_Ai ,
Thank you for sharing the details. We will escalate your issue to the concerned team, and if there are any updates, we will inform you promptly. Rest assured, we will do our best to resolve your issue at the earliest. We truly appreciate your patience.
Dcb bank has asking me to wait for 55 + days for a simple refund
The apple ( merchant ) has already refunded my full amount AED 5099 rs 123,298.
Niyo team
@saraswathi.r @Nith_In @Atik_Shah
Is not at helpfull in this process please escalate this issues & refund the money immediately
The standard refund trimmings is 3-5 working days & I have to wait for 50 days? I’ve already waiting for 18 days for automatic refund.
This is worst customer service.
Hi @Autonomy_Ai,
We completely understand your concern and the urgency here, and we truly regret the delay with your refund.
We’ve taken note of the update you received from the bank and will be highlighting this again with the DCB team to see if there’s any way to expedite things. Please know that we’re doing our best to move this forward and will keep you posted on any updates. We genuinely appreciate your patience and understanding through this.
Hey niyo team
I have received the refund of RS 123,298 thank you for helping out !
But I think there’s a error in calculating my international spending??!
I have not spent 10 Lakhs + in just 6 months you can see my international transactions
Also I have not spent 10 Lakhs + in all my banks combined!!
I think there’s a system error can you kindly recalculate my transactions & allow me to do international transactions without TCS on DCB bank card.
Hey @Autonomy_Ai ,
Thank you for confirming that you have received your refunds. Regarding the TCS issue, kindly allow us some time to have it checked and assist you further. We truly appreciate your understanding and patience.
Hey @Autonomy_Ai ,
Thank you for sharing the screenshots. We have forwarded your issue to the bank, and you will be promptly updated with any progress. Please be assured that we are committed to resolving your issue as quickly as possible. We sincerely appreciate your patience.
Hey team can you kindly create a ticket with niyo global aswell as dcb & sbm bank
I think the niyo global team has made this calculation error not dcb or sbm bank so the issue lies on you guys
So kindly reverse all the TCS money that’s debited & fix the issue asap
Hi @Autonomy_Ai ,
We completely understand your disappointment. However, we have forwarded your concern to the relevant team for immediate review. Please be assured that we are committed to resolving the issue as quickly as possible and will keep you promptly updated on any progress. We sincerely appreciate your patience and understanding.
It’s been 6 days and no TCS refunds from Niyo team or dcb team!
And my transactions still shows 14,60,600 rs while I have not done this much at all!
Niyo did not even borther to create ticket nor dcb team
Resolve this ASAP
Hey @Autonomy_Ai ,
We truly understand your disappointment, as this is taking longer than expected. We would like to inform you that we are promptly working on the issue and trying to get it resolved at the earliest. We ensure to keep you informed with further updates. We kindly request your patience and understanding until then.
Hey @Autonomy_Ai,
We understand your concern regarding the TCS charges applied to your transactions. However, upon checking with the bank team, we found that since April 2025, your total international transactions amount to INR 1,460,574.20.
As per the Ministry of Finance guidelines, the ₹10 lakh threshold for zero TCS applies to an individual PAN and includes all international spends made across debit cards, remittances, and other eligible transactions.
We kindly request you to cross-check all your Indian bank accounts linked to your PAN to ensure a complete overview of your international transactions.
We hope this clarifies your query. Please feel free to reach out if you have any further questions.
It’s a false information you guys have received
I have never transacted internationally in any other bank account exce pt han niyo global
I have not did transactions of 14.6L
Please check it carefully & refund the TCS amount you guys have deducted.
Hey @Autonomy_Ai
We understand your disappointment. Kindly allow us a window to thoroughly review this with the bank once again and assist you further.