Hey @jayjay! Welcome to Niyo Community!
Thank you for choosing Niyo Global 
All international transactions will be processed based on the live Visa exchange rates. You may know more about it in our previous post here: How do i know usd inr conversion rate to be used in USD transaction by niyo - #2 by Deepak That includes POS swipe transactions, ATM withdrawals, and online transactions.
For POS transactions, there will be FX adjustments.
For ATM withdrawals, ₹100+GST for all financial & non-financial transactions at International ATMs. Any charges up & above this could be incurred from the transacting ATM bank and need to be checked beforehand.
Regards,
