# Niyo global physical debit card charges **URL:** \ **Category:** Banks\ **Tags:** banking, niyo-global\ **Created:** [October 21, 2022, 4:11pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120 "2022-10-21T16:11:04Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![Kamal\_Kumar](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/kamal_kumar/32/28046_2.png) [@Kamal\_Kumar](https://community.goniyo.com/u/Kamal_Kumar)\ **Post date:** [October 21, 2022, 4:11pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/1 "2022-10-21T16:11:04Z")
I want to know niyo global physical debit card charges. Is it lifetime free or some charges? ---
**Author:** ![Ranjith](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/ranjith/32/10094_2.png) [@Ranjith](https://community.goniyo.com/u/Ranjith)\ **Post date:** [October 22, 2022, 1:38pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/2 "2022-10-22T13:38:34Z")
Hi @Kamal_Kumar Welcome to our Niyo Community 😇 Our Niyo Global by SBM is a global travel card accepted in over 150+ countries, the card comes with a zero forex markup and a Platinum VISA signature card free for a lifetime. It also has many more exciting features like a Real-time Currency converter allowing you to transact in the local currency of the country you visit and a complimentary lounge access per quarter at select airports across India. Tap the link to know more: [https://www.goniyo.com/global/](https://www.goniyo.com/global/) Gracias, Ranjith M ---
**Author:** ![Kamal\_Kumar](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/kamal_kumar/32/28046_2.png) [@Kamal\_Kumar](https://community.goniyo.com/u/Kamal_Kumar)\ **Post date:** [October 22, 2022, 2:01pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/3 "2022-10-22T14:01:15Z")
I have some confusion here. Some users are saying that physical card has a AMC of ₹499+gst from 2nd year onwards. Is it true? I want a clear picture here. No hidden T&Cs please. ---
**Author:** ![Deepak](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/deepak/32/3496_2.png) [@Deepak](https://community.goniyo.com/u/Deepak)\ **Post date:** [October 23, 2022, 8:03am UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/4 "2022-10-23T08:03:24Z")
Hey @Kamal_Kumar! We have now waived the annual maintenance charges for Niyo Global by SBM. Now it’s free for a lifetime. ☺ ---
**Author:** ![AnkS](https://avatars.discourse-cdn.com/v4/letter/a/f07891/32.png) [@AnkS](https://community.goniyo.com/u/AnkS)\ **Post date:** [August 21, 2025, 3:47am UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/5 "2025-08-21T03:47:03Z")
I just received ₹499 deduction email due to annual fees. This is really bad and done without notifying! ---
**Author:** ![Nith\_In](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nith_in/32/32134_2.png) [@Nith\_In](https://community.goniyo.com/u/Nith_In)\ **Post date:** [August 21, 2025, 3:52am UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/6 "2025-08-21T03:52:34Z")
Hi @AnkS, We apologize for the inconvenience caused. Please allow us some time to get this checked and assist you further. ---
**Author:** ![Pratik\_Prajapati](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/pratik_prajapati/32/37914_2.png) [@Pratik\_Prajapati](https://community.goniyo.com/u/Pratik_Prajapati)\ **Post date:** [August 21, 2025, 12:35pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/7 "2025-08-21T12:35:01Z")
I also got deduction message from bank. I had even kept the above 5000₹ quaterly balance for this to be waived off as per the pdf niyo had mailed earlier. Please check my account. ---
**Author:** ![SuryaK.inc](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/suryak.inc/32/35999_2.png) [@SuryaK.inc](https://community.goniyo.com/u/SuryaK.inc)\ **Post date:** [August 21, 2025, 12:50pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/8 "2025-08-21T12:50:45Z")
Hi @Pratik_Prajapati, [Welcome to the Niyo Community!](https://community.goniyo.com/t/welcome-to-the-niyo-community/16635) 🤗 We regret the inconvenience. Upon reviewing your account, we confirm that the required balance was maintained. The debited Annual Maintenance Charges will be refunded to your SBM account within 7–10 days. Once the credit reflects, please confirm with us here. ---
**Author:** ![SuryaK.inc](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/suryak.inc/32/35999_2.png) [@SuryaK.inc](https://community.goniyo.com/u/SuryaK.inc)\ **Post date:** [August 21, 2025, 2:23pm UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/9 "2025-08-21T14:23:13Z")
Hi @AnkS, We are reviewing your concern and working to process the AMC refund as Niyo Coins. Kindly allow us some time to verify this further, after which we will provide you with the estimated turnaround time for the Niyo coins credit. We truly appreciate your patience and understanding. ---
**Author:** ![Pratik\_Prajapati](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/pratik_prajapati/32/37914_2.png) [@Pratik\_Prajapati](https://community.goniyo.com/u/Pratik_Prajapati)\ **Post date:** [August 22, 2025, 7:03am UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/10 "2025-08-22T07:03:27Z")
Thanks a lot for checking. But, why in the first place it was not auto dedected in your system. This shouldnt happen in a banking system. Should I keep a check on this every time and report this to get it resolved? ---
**Author:** ![SuryaK.inc](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/suryak.inc/32/35999_2.png) [@SuryaK.inc](https://community.goniyo.com/u/SuryaK.inc)\ **Post date:** [August 22, 2025, 10:17am UTC](https://community.goniyo.com/t/niyo-global-physical-debit-card-charges/14120/11 "2025-08-22T10:17:43Z")
Hi @Pratik_Prajapati, We completely understand your concern. As part of SBM Bank’s process, the AMC has been deducted and is being refunded to eligible customers. We will also share your feedback with SBM Bank to help them improve and update their process in the future.