Niyo: Global cards for travel

Trusted by over 1M travellers worldwide, Niyo isn't just your usual card with zero forex markup. As a comprehensive international banking solutions platform, Niyo is the perfect destination for all your travel needs. With Niyo, you can get a zero forex markup card online, maximise your savings, use as UPI payment app, apply for visa and insurance—all while earning rewards as Niyo Coins.
Why Choose Niyo?
Zero Forex Markup
Free International ATM Withdrawals
Visa Application
Comprehensive Travel Insurance
Use as UPI payment app
Mobile banking app for international travel
Rewards & Benefits
24x7 Chat Support
Superfast Card Delivery
Best card for students - Save big on studying abroad
What it means to travel the Niyo way:
Zero Forex Markup - With Niyo's zero forex markup cards, you can shop to your heart's content in 180+ countries without worrying about exchange rates or hidden fees. Every purchase will feel like a steal with savings up to 5%.
Free International ATM Withdrawals—With a Niyo zero forex markup card, your ATM withdrawal fees will be refunded as Niyo Coins, making your trips more rewarding than ever!
Global Lounge Access - Lounge like a boss across 1300+ locations with global lounge access on every 50K spent abroad with any card every quarter.
The Niyo app covers every step of your journey, from securing your visa to booking flights and offering immersive experiences.
Visa Application - Get your visa on time at the lowest prices every time on the Niyo app. Also, earn 40% Niyo coins on every visa purchase. And if you don’t get your visa on time, we have a 100% service-fee-back guarantee.

Travel Insurance - With Niyo's comprehensive yet cheapest international travel insurance, you're covered for medical emergencies, trip cancellations, lost baggage, without the worry of any financial burden.

Online Booking: Flight Tickets - Our app offers a wide range of flight options at competitive prices and exclusive deals and discounts to help you save on your airfare, all while earning Niyo Coins with every booking. More than just a zero forex markup card, right?

Experiences - Niyo's partnerships with leading experience providers allow you to discover and book various activities tailored to your interests, ensuring every moment of your journey is filled with unforgettable memories.

Foreign Currency Delivery - Niyo is much more than a Zero Forex card. Skip the hassle of currency exchange queues with Niyo's foreign currency delivery service. Simply place your order on our app, and we'll deliver the currency of your choice directly to your doorstep.
24x7 Chat Support - Our experts are just a message away if you have any questions about your zero forex card benefits and offerings, need help with a transaction, or require travel advice.
Rewards & Benefits - Earn Niyo coins on every domestic spend with your debit and credit cards. Even better, you earn accelerated coins on all travel bookings on the Niyo app to book your next trip!
UPI with Niyo Pay - Manage your payments on the go with Niyo Pay, compatible with all major brands. Niyo Pay works with any bank in India that supports BHIM UPI. Simply link your bank account to your UPI ID on this app. Each transaction is secured with your 4 or 6-digit number UPI PIN.
The Niyo way to study abroad
Niyo helps students studying abroad save up ₹100,000 every year and earn up to 7.5% interest on their savings account balances.
Fast & Reliable Card Delivery—We understand that time is of the essence during travel planning, so we ensure your Niyo zero forex card reaches you within 3-5 days.
So, fellow travellers, get your Niyo Zero Forex Markup Card, download the Niyo app, pack your bags, and let your adventures begin!
TnC Apply. DCB Bank and SBM Bank issue all cards. These cards are available exclusively on the Niyo App and are linked to the respective savings accounts. Niyo itself is not a bank and doesn’t claim a banking licence.