Is niyo x really a zero markup fee card

I actually called the equitas bank they said it is not zero markup fee and that it has 3.5 % forex markup fee. Please help me

@Jibin_George
This is a zero markup card only till the 31st of December 2021 after which to activate this feature you have to maintain 5k in your account for a month to activate this feature for the said year

Hope this helps
Cheerio

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