Hello thanks for the response but the issue is as i am a student studying abroad and as I have never paid tax before since I never really had a income do i just file a blank ite just for the tcs?
Hi @Khursheed_Ahmed ,
There is no TCS applicable to the Niyo SBM credit card. Currently, we offer a secured credit card (FD-backed) through SBM Bank. To get this card, you’ll need to open an SBM savings account with us and create a fixed deposit (FD). Your credit limit will be 90% of the FD amount.
At the moment, the only option to pay the Niyo SBM credit card bill is through the Niyo app using your SBM savings account.
If you have any questions or need assistance, feel free to reach out. We’re always happy to help! 
Hi @Khursheed_Ahmed ,
Thank you for sharing your concern. We would really like to address it promptly. Could you please elaborate more about the issue you mentioned?