HEY can you pls help me, i am currently trying to use the niyo Global SBM card for e-commerce in dubai while it has inr loaded into it but it’s showing transaction declined by the bank everytime, pls give me a solution
My number for niyo account is +91 98XXXXX80
A positive response would be much appreciated
Hey @Aditya_Lohia
Welcome to the Niyo Community! 
We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything 
Hey, i am still unable to do the international transactions from my SBM card can you pls help me with it, it’s an urgent thing, my niyo account is +91 9XXXXX80
Hey @Aditya_Lohia
We tried calling you but unfortunately couldn’t connect. Kindly help us with a convenient time so that we can schedule a call back for further assistance.
Can you call me at 3pm ist on the number +91 98XXXXX0 for assistance on this issue
My need for this transaction is very important and urgent, pls make it as fast as possible
Thank you for the response
Hey @Aditya_Lohia
Sure, we shall connect with you at 3pm for further assistance.
Hey @Aditya_Lohia
Thank you for your time over the call. As discussed, we’ve escalated the issue to the bank and are actively following up. Rest assured, we’ll keep you informed of any further updates. We truly appreciate your patience and understanding in the meantime.
Even after so much back and forth of conversation i am still unable that card and my important transaction is still pending because of this issue, the Disappointment is clear, can you please look into the matter seriously and get it done by today ?!?! People have other works to do too instead of spending thier whole day for making a transaction
Hey @Aditya_Lohia
As discussed over our recent call, we’ve already escalated the issue to the bank and are in continuous follow-up to get this resolved at the earliest.
We truly understand how critical this is for you and sincerely regret the inconvenience caused. While we work on resolving it on priority, we request you to kindly try an alternate mode of payment for now or you can use our FD backed credit card as explained.
Rest assured, you’ll be updated on any developments, and we’re doing everything we can to ensure this is sorted on priority. Your patience and understanding mean a lot to us.
Can i get that fd card instantly ?!? And after getting that credit card can i use it instantly for international transactions??? If you can assure me this I’ll get that
Hey @Aditya_Lohia
Upon creating a Fixed Deposit (FD), a virtual card will be generated instantly, allowing you to perform international e-commerce transactions immediately. Your physical card will be delivered within 5-7 working days.
The credit limit on your card will be equivalent to your FD amount. Unlike traditional credit cards, a bill is generated only for the amount utilized.
Please note, effective from 15th June, the available credit limit will be 90% of your FD amount as of now its 100%.
2 posts were merged into an existing topic: Ask anything Niyo Card here!
Hello community,
I hope you’re doing well.
I’m writing to raise a concern regarding a $120 transaction (using my Niyo X Equitas Bank Card) that was held as security money/incidental charge during my stay at a hotel in Residence Inn Atlanta Downtown, Atlanta, USA on 7th May 2025 (USA Time Zone).
The hotel has confirmed, that the amount was only a hold and not charged, and that it has been released from their end upon my checkout. As per their advice, I am reaching out to you since the release process from the hotel’s end is complete, and the amount should now be credited back to my Equitas / Niyo X account.
Kindly look into this matter and help initiate the reversal or credit of the $120 to my account at the earliest. Please let me know if you need any further details from my side.
Thank you for your support.
Hi @tanmoy2005,
Welcome to the Niyo Community! 
We understand your concern regarding your international transaction. As the partnership between Niyo and Equitas Bank officially ended on May 31, 2025, we no longer have access to Equitas account information or transaction details. For any queries related to your Equitas account, we kindly request you to contact the bank directly at 1800-103-1222 or write to them at customerservice@equitasbank.com. They’ll be the best point of contact to assist you further.
Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.
Plus, it’s the perfect spot to connect with fellow travellers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.
And don’t forget to explore the Travel with Niyo category for even more travel content!
We’re always here if you need anything.
Is there any update from the bank?
Hey @Hardik_Raj
Kindly allow a window to have this checked and assist you further.
Hey @Hardik_Raj
Thank you for your patience. As Per the bank’s confirmation, your ATM withdrawal complaint is in progress with a standard TAT of 30 days. However, we’ve flagged your case for priority handling and are following up continuously. Rest assured, we’ll keep you informed of every update.
We appreciate your understanding and will work diligently to resolve this as quickly as possible.
Hi,
On 15th June, I transferred INR 50,000 to my SBM account so that I can create an FD to increase my credit card limit. The transaction was via UPI (DBS Bank), and it failed. Because I was in urgent need of funds, I did a second transaction (again of INR 50,000), and this one succeeded.
But the SBM account doesn’t show these funds at all. And now I’m on the verge of going broke in a foreign country. Please help ASAP.
Also, no, none of these 2 transactions have been reversed so my source DBS bank account doesn’t have these funds.
Thanks,
Saurabh
I also can’t reach a human support agent, since you only have AI bots on the chat available. This is frustrating to say the least.
Hi @Saurabh_666,
Welcome to the Niyo Community!
We’re sorry to hear about the trouble you’ve faced, especially while you’re abroad.
Please allow us some time to get this checked and assist you further. We understand the urgency and will do our best to resolve this at the earliest.
