Hello @vignesh.0510
Welcome to the Niyo Community! 
We understand how frustrating it can be to complete the VKYC process, especially while you’re abroad. According to RBI guidelines, you need to be in India to finalize the VKYC, which is why you’re having trouble connecting with a bank agent.
Unfortunately, Niyo doesn’t have the capability to unfreeze your account directly—this is managed solely by SBM Bank. In the meantime, you can pay your credit card bill using this link: Credit Card Bill Payment or through MobiKwik.
If you need further assistance, please reach out to us via ticket 2517808. We’re here to help!
