Welcome to the Niyo Way to Travel
Dear Niyo family,
Since the past few months, we’ve been making incredible strides to redefine financial freedom for our global community.
Here’s a peek at how we’ve been enhancing your Niyo experience:
Niyo SBM debit card
International transactions are now live!
To start using your card, simply
Log in to your Niyo app
Unlock International Transactions via Card Settings screen
- If they unlock, go ahead and use your card globally
- If they do not unlock, you’ll need to complete your reKYC. After reKYC, it may take up to 7 working days to enable international transactions on your card
Priority support when you’re abroad
Travelling overseas? If you run into any issues, our Priority Support Agents will automatically jump in to fast-track solutions. They’ll even call you directly to resolve problems on the spot—because when you’re abroad, the last thing you should worry about is money.
Niyo SBM Secured Credit Card
Meet the all-new Niyo SBM Secured Credit Card, revamped for ultimate financial freedom.
Partial FD withdrawal
You can now dilute any one of your FDs and reduce your credit limit for immediate access to your funds without losing your credit card benefits
Pay your bill with FDs
Now, easily clear your credit card dues by tapping into your fixed deposits! Use your FD to pay off your credit card dues.
ZERO TCS
(Tax Collected at Source)
You can make unlimited international spends with ZERO TCS, so you can now travel and shop without paying any extra charges.
DCB Niyo Debit Card
Pre-flight card check: An industry-first feature!
Wonder if your card will work abroad? Now you can test a transaction in the currency of the country you are travelling to make sure your card is all set to work smoothly as soon as you land.
Make a small transaction of USD 1, AED 1, or SGD 1 (you get the idea). Rest assured, we’ll promptly refund this amount to your account.
Before you fly (don’t wait till the last minute though), tap below to check your card readiness.
Note: This feature is now available on the Niyo app version 2.87.0 and above
Time to upgrade your old DCB card to the new & improved DCB debit card
If you were using the old Niyo DCB card (red app), you can upgrade to the all-new DCB Niyo debit card (dark blue app) to enjoy new features like
- Airport lounge access outside India based on spends
- Earn up to 8% p.a. interest# on your a/c balance
- No upfront TCS deduction for international spends below ₹7 Lakh#
- 3 free international ATM withdrawals per quarter#
- In-app visa and flight bookings, travel insurance, experiences & activities, and more…
#T&C apply
How to upgrade?
Complete your video KYC. That’s it, your new DCB Niyo debit card will jet set on its way to you!
Say hello to the Surcharge-free ATM Locator
We’re super excited to announce the launch of our surcharge-FREE ATM Locator - you can now find ATMs nearby which do not charge the ATM provider fee abroad!
Pay your bank’s ATM withdrawal charge, that’s it! Save those extra bucks for something fun!
Custom tag your transactions
You can now tag all your transactions with a custom tag. For eg: coffee, burger, etc.
Want to send money abroad?
Skip the hefty fees when you transfer money for education abroad via Niyo! Enjoy unbeatable conversion rates - cheaper than banks!
- ZERO platform fee
- SWIFT fee reversed in Niyo Coins
- High-speed transfers within 72 hours
- 100% digital process
*Just arrived:*
Flight bookings on Niyo app
Introducing the Niyo way to fly
- ZERO convenience fee on every booking
- Most affordable fares
- Fly anywhere in the world
- Redeem Niyo Coins for fantastic discounts
From innovative features to seamless experiences, our journey is just getting started, and we’re grateful to have you with us as we continue to revolutionise the way India moves money.
Stay tuned for more global adventures 
!
Cheers,
Vinay & Viren
