Niyo SBM CREDIT VS DEBIT card International which one to use?

  1. Niyo SBM Debit card just got unlocked again , which card to use for International ATM cash withdrawals CREDIT OR DEBIT ?. And how to get the Free Atm withdrawal ?

  2. Charges for Credit and Debit card ? what’s the difference user is going to have between them (In International transactions) WHICH one would save money in charges (the 2.5% + GST and all Etc) . Because credit card has the 45 days period for bill re-payment and debit I guess won’t have any such thing so is it better to use DEBIT for everything INTERNATIONALLY instead for CREDIT ?

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