Hi @Anand.sharma,
Welcome to the Niyo Community! 
Thank you for reaching out and bringing this to our attention.
Regarding the Annual Maintenance Charge (AMC), there has been a recent update in the bank’s policy, and the AMC reversal feature has been discontinued. You can find more details here: [NiyoX - Equitas debit card AMC - #10 by Nith_In]. I agree that this change should have been communicated more clearly.
While the Niyo Assistant can assist with many queries, if it can’t resolve your issue, it will automatically transfer the chat to a human agent for further help. Alternatively, you can email us at global@goniyo.com with your mobile number, and we’ll arrange a callback at your convenience.
If you’re having trouble raising a ticket through the app, please email us directly at global@goniyo.com, and we’ll ensure your concerns are addressed promptly.
For specific issues with Equitas Bank, you can reach them at customerservice@equitasbank.com or call 1800 103 1222 (Monday to Friday, 9 AM to 6 PM).
Thank you for your feedback, and we appreciate your patience.
