Hey Niyo Explorers 
We know how important it is to get the most out of your card – especially when you’re on the move 
That’s why we’ve made a few important updates to your Niyo Card Rewards to help you plan better, redeem smarter, and travel smoother.
This post covers everything you need to know about Niyo Coins, free ATM withdrawals, and card-specific rewards – across all three cards: SBM Credit Card, SBM Debit Card, and DCB Debit Card.
What’s New from 1st August 2025?
We’ve revised the free international ATM withdrawal benefit across all cards. Here’s the before-and-after:
| Card |  Old (Till 31 July 2025) |
 New (From 1 Aug 2025) |
|---|---|---|
| SBM Credit Card | 3 ATM withdrawals refunded (₹1,500 in Coins) | 1 ATM withdrawal refunded (₹500 in Coins) |
| SBM Debit Card | 3 ATM withdrawals refunded (₹1,500 in Coins) | 1 ATM withdrawal refunded (₹500 in Coins) |
| DCB Debit Card | 3 ATM withdrawals refunded (₹1,500 in Coins) | 1 ATM withdrawal refunded (₹500 in Coins) |
What does this mean?
You’ll continue to get 1 free international ATM withdrawal every quarter, but now the refund is capped at ₹500 worth of Niyo Coins (i.e., 5,000 Coins per quarter).
For SBM users: This 1 free ATM withdrawal is shared between your SBM Debit and Credit Card combined — meaning, only one fee will be refunded per quarter across both cards.
For DCB users: You’ll get 1 free international ATM withdrawal per quarter on your DCB Debit Card.
Coins will reflect in your account within 60 days of the transaction.
Note: ATM interest or acquirer bank fees won’t be refunded.
What are Niyo Coins and How Can You Use Them?
Niyo Coins = your travel discounts.
1 Niyo Coin = ₹0.10 (10 paise)
You can redeem them within the Niyo app for:
- Flight bookings
Visa services
Hotel stays
International eSIMs
Pro Tip: You can use up to 75% of the booking value using your Niyo Coins on select services!
Extra Perk for SBM Credit Card Users
If you’re using the SBM Niyo Credit Card, there’s more in store for you!
Earn 10 Niyo Coins for every ₹100 spent on POS & online transactions (domestic)
Minimum spend: ₹200 per transaction
Max earning: 1,50,000 Coins per month
No Coins will be awarded for these spends:
- Rent payments, wallet loads, or UPI transfers
- Fuel, utility bills, insurance, NPS, EMIs
- Crypto, gaming, or gambling spends
- Credit card repayments or late fees
- Transactions under ₹200
These exclusions are in place to ensure fair usage and rewarding meaningful spends.
Summary Table – Rewards Across Cards
| Feature | SBM Credit Card | SBM Debit Card | DCB Debit Card |
|---|---|---|---|
 Free Intl ATM Withdrawals |
1/quarter (₹500 in Coins) (shared across SBM cards) |
1/quarter (₹500 in Coins) (shared across SBM cards) |
1/quarter (₹500 in Coins) |
| Coins Credit Timeline |
Within 60 days | Within 60 days | Within 60 days |
 Max Coin Refund per Quarter |
5,000 Coins | 5,000 Coins | 5,000 Coins |
| Acquirer Fees Refunded? |
No | No | No |
 Rewards on Spending |
10 Coins/₹100 (on spends ≥ ₹200) | Not applicable | Not applicable |
| Coin Redemption Options |
Flights, Visas, Hotels, eSIM (via Niyo app) | Flights, Visas, Hotels, eSIM (via Niyo app) | Flights, Visas, Hotels, eSIM (via Niyo app) |
| Coin Value |
₹0.10 (10 paise) | ₹0.10 (10 paise) | ₹0.10 (10 paise) |
| Exclusions on Rewards |
Yes (fuel, rent, crypto, etc.) | Not applicable | Not applicable |
Over to You!
Have you used your Niyo Coins recently? Planning a trip and wondering how to get more out of your card?
Share your tips, questions, or travel goals below 👇
Let’s help each other get the best from our Niyo journey! 🌍💙
