Hey @vijay!
I recommend having both the Niyo Global Credit card by SBM and the Niyo Global DCB debit card. You can obtain the credit card by creating a minimum 5k FD and load funds using the “increase limit” option, eliminating the need for creating another FD. Plus, and you can withdraw the FD anytime. Carrying two cards is a great choice; in case one card encounters an issue, you’ll have a reliable backup. Both the cards offer ZERO FOREX markup, complimentary lounge access, and more benefits.
You can use the Niyo Global credit card for car rentals, hotel bookings, and more as it supports preauthorization, while the debit card is ideal for international ATM withdrawals. Additionally, both cards earn interest: the credit card accrues interest on the FD amount upto 7% pa, and the Niyo Global DCB offers up to 7.25% interest on your savings.
For more information and to make a suitable choice, check this post: Link
