Hey @cricfreak007! Thanks for showing your interest in Niyo Global by SBM. 
It was unfortunate that Niyo’s partnership with IDFC has ended. But we’ve never given up. We have launched two exciting and outstanding products which are Niyo Global by SBM and NiyoX.
Niyo Global by SBM is a full-fledged DIY bank account and mobile app with exciting features such as:
- Zero Forex markup card
- Full stack currency converter
- Nearby ATM locator
- Real-time transaction tracking
- Enhanced Card Control
- 24 x 7 in-app support
- Tap & Pay debit card with Airport Lounge Access and Concierge Service (Powered by VISA Signature)
- Up to 5% interest rates calculated on daily end the day balance
Now, let me try to help you with your queries:
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Niyo Global by SBM card can be used abroad for your international transactions where Visa cards are accepted. We strongly believe that this card meets all your personal transaction requirements.
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All your international transactions will be processed on live Visa Exchange rates. Swiping Machine & Ecom transactions do not have any other charges. For International ATM withdrawal and balance inquiry, you’d be charged ₹100 + GST. This is in addition to the ATM charges that any bank can charge you while using their ATM.
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We’ve launched the Beta version of the app and enhanced it a lot to improve and working round the clock to make it even better. We’ve resolved the issue in the best possible ways.
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There is no maintenance fee for Niyo Global by SBM card. It’s lifetime free.
For any further help, you may reach out to us and I’m happy to help you.
Regards,