Welcome to the Niyo Community! 
Thank you for reaching out to us! It sounds like you’re referring to the Niyo DCB Debit Card. 
Let us clarify this for you:
Initially, the DCB Bank used to charge TCS upfront, but if your transactions were under ₹7 lakhs, the amount was refunded within 24-48 hours. However, there’s been a recent change. Now, if you exceed ₹7 lakhs on your PAN level, a 20% TCS will be charged, which can later be claimed back when you file your ITR. 
We understand this might feel like a big change, but please rest assured, we’re here to support you every step of the way! If you have any further questions, feel free to reach out via our live chat feature in the app. 
We’re happy to help!
Thank you for choosing Niyo, and we hope this clears up your concern. 
