Niyo Coins: A Complete Guide
Niyo Coins are your key to unlocking incredible savings and benefits within the Niyo app. Earned as rewards, Niyo Coins hold real value and can be redeemed for flights, visas, and many more services offered in the Niyo App. Here’s how to make the most of them.
What Are Niyo Coins?
Niyo Coins are a (reward points) virtual currency you can earn through various activities on the Niyo app and by using Niyo Cards for transactions. Each coin holds real value, making it more than just a reward point. For instance, 100 Niyo Coins equal ₹10 in value.
Validity:
Niyo Coins are valid for maximum of 12 months from the date they are earned.
How to Earn Niyo Coins
Earn Niyo Coins effortlessly through various activities and enjoy smarter spending:
1. Niyo Card Spends:
- Use your Niyo SBM Credit Card on domestic POS and ECOM transactions and earn 10% Niyo Coins.
2. Refer and Earn:
- Refer friends and earn 2,500 Niyo Coins per referral—worth ₹250 each!
3. Niyo UPI Transactions:
- Earn up to 500 Niyo Coins by using Niyo UPI for merchant transactions in India.
4. Free International ATM Withdrawals:
- Get 5,000 Niyo Coins worth ₹500 for the international ATM withdrawal fee charged.
- Enjoy up to 3 fee reversals per calendar quarter—all credited in Niyo Coins!
5. Remittances:
- Get your entire forex markup back in Niyo Coins.
- Receive Swift charge refunds in Niyo coins worth ₹1300 (equivalent to 13,000 Niyo Coins).
The more you engage with Niyo, the more you save. Start earning Niyo Coins today and make the most of your spending
How to Check Your Niyo Coin Balance
- Open the Niyo app.
- Tap the Coins Icon located at the top right corner of the screen.
- Your total Niyo Coin balance will be displayed prominently.
- Check your savings till date right below the coin balance to see how much you’ve saved.
HOW TO CHECK THE NIYO COINS IN THE NIYO APP :
Where Can You Use/Redeem Niyo Coins?
You can redeem Niyo Coins for various services, including:
- Flight Bookings
- Visa Services
Redeem up to 75% of the transaction value using Niyo Coins.
For example:
If your flight ticket costs ₹10,000, you can use up to ₹7,500 worth of Niyo Coins (75,000 Niyo Coins) to reduce the cost.
How to Use/Redeem Niyo Coins :
- Access the Redeem Tab:
- Open the Niyo app and go to the Redeem tab in the Coins section.
- You’ll find options for Flights and Visa services.
- Redeeming for Flights:
- Enter your journey details and search for flights.
- While booking, use the toggle button to view the flight price after applying your Niyo Coins.
- Confirm your selection and proceed to pay.
FLIGHT BOOKING BEFORE AND AFTER USING NIYO COINS:
- Redeeming for Visa Services:
- Select your travel destination and check the price breakdown.
- Enter the traveler details and confirm.
- At the payment checkout, use the toggle button to pay using Niyo Coins.
- Review all details and proceed to complete the payment.
Niyo Coins are not just for show; they hold real monetary value, helping you save on essential services. By consistently using Niyo’s offerings, you can build your coin balance and unlock significant discounts.
So, start earning and redeeming Niyo Coins today to make your spending smarter and more rewarding!
Please give us a moment to review your concerns and provide the help you need. 
The Niyo coins you earn from ATM withdrawals are valid for a year though! 
