Hey Rashmi,
Welcome to the Niyo Community! 
Thanks for reaching out. You can definitely use both your Niyo SBM and Niyo DCB debit cards in Nepal for ATM withdrawals and online transactions. Kindly ensure you withdraw in the local country currency (NPR) and not in INR. You’ll also be able to withdraw cash in INR from ATMs (Dynamic Currency Conversion) DCC charges applicable💳.
Please note that standard ATM withdrawal charges apply for each transaction. But here’s the good news 
— as an added perk, Niyo will reverse 1 international ATM withdrawal fee every quarter in the form of Niyo Coins 
. Plan smart, save more, and enjoy your trip to the fullest 