What the charger withdrawal outside India
Bank charges
Makeupfees
Forex charges
Hidden charges
- total charges (approximate)
Please be informed that you can use the Niyo Global Equitas debit card, Niyo Global DCB card, and the Niyo Global Secured Credit Card for initiating International transactions as well as domestic transactions.
Just so you know, all Niyo Global cardholders, whether they hold Niyo Global DCB, Niyo Global Equitas, Niyo Global Credit Card, or Niyo SBM Debit Card, are entitled to complimentary lounge access at selected international terminal lounges within India.
International ATM charges Niyo Global Equitas card: For each international ATM transaction, you will be charged Rs. 110 + GST. Additionally, the bank operating the ATM may also impose its own fee, which will be displayed at the ATM itself and may vary.
Domestic ATM charges: When using an Equitas ATM, there are no charges whatsoever. However, if you opt for any other ATMs, a fee of Rs. 21 + GST will be applicable after 5 free withdrawals at non-metro locations and after 3 withdrawals at metro locations.
With the Niyo DCB card (current account), you have the benefit of one free international ATM transaction per month. However, any additional international ATM withdrawals within the same month will incur a charge of Rs. 100 + GST for each transaction.
As for domestic ATM charges, when using a DCB ATM, there are no charges at all. However, if you choose to use any other ATMs, a fee of Rs. 20 + GST will be applicable.
When using the Niyo Global DCB card (savings account) for international ATM withdrawals, you will be charged INR 300 + GST per transaction. Additionally, it’s important to be aware that the bank operating the ATM may also impose its own fee, which will be displayed at the ATM and may vary.
Niyo Global Credit card: To withdraw money from ATMs, there will be charges applicable. For both international and domestic ATM transactions, you will be charged Rs. 300 + GST. It’s important to note that the bank operating the ATM may also impose an additional fee, which will be displayed at the ATM itself, and we may not have prior knowledge of this fee.
DCB usually charges around 2 to 3 percent of the transaction amount as a currency conversion fee. On top of that, you pay a flat ATM withdrawal charge, often around 150 to 300 rupees per withdrawal.
Plus, the foreign bank’s ATM may also charge you their own fee. So one small withdrawal can feel like a luxury purchase.
Best move? Withdraw bigger amounts less often and always choose to be charged in the local currency, not INR.
Hey @Krishna_Singh
Thanks a ton for sharing such detailed insights — really appreciate the effort! 
Just to clarify, Niyo DCB is a zero forex markup card**, so there’s **no conversion fee charged by us. 
Here’s a quick breakdown of the ATM withdrawal charges for the DCB variant:
International Withdrawals – ₹425 + GST
First 3 withdrawals per quarter are fully reversed in the form of Niyo Coins
Domestic (Non-DCB ATMs) – ₹21 + GST
Applicable after 5 free withdrawals each month
Please note, some international banks may charge their own fee for ATM usage — this is bank-specific and beyond Niyo’s control.
You can use Niyo Coins to purchase in-app goodies like Visa cards, flight tickets, and more!
To know more, feel free to explore 
goniyo.com
We’re always here to help — thanks again for being part of the Niyo community! 
