Can anyone please explain me in detail about the annual charges and 2nd and 3rd year as follows, regarding to debit card
Hey @Avi5
Welcome to our Niyo community 
The Niyo Global by SBM app offers you a Platinum VISA Signature card free for a life-time, which has no hidden charges.
Gracias,
Ranjith M
It’s no annual charges from 2nd year ?
As of now, it’s a lifetime free card.
