Hey everyone! I’m really excited about this initiative and can’t wait to see all your fantastic tips! Here’s a money-saving hack that’s worked wonders for me: While the Niyo Card is great for avoiding foreign transaction fees, having some cash on hand is always a good idea. 
In some places, cash is still preferred, especially in local markets or smaller shops. 
Instead of exchanging a large amount of INR in India, consider doing it in the country you’re visiting. For example, when I traveled to the UAE a few months ago, I was initially offered around 1,290 AED for 30,000 INR in India. 
I decided to wait and exchange the money in the UAE instead. To my surprise, I received around 1,520 AED! 
That’s a difference of 230 AED, which translates to approximately 4,500 INR saved! 
Not only does this approach often provide better rates, but it also allows you to familiarize yourself with local currency exchanges. 
Just be sure to check the exchange rates before you go, and try to find reputable exchange spots. 
Having cash on hand really made my trip smoother, and I could take advantage of some great local experiences without worrying about card acceptance. 
I’m excited to learn from your experiences too! Together, we can all make our travels more enjoyable, hassle-free and affordable. Happy travels, everyone! 
