Niyo: Global cards for travel

20.7K reviews
Content rating
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About this app

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, maximize 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. Earn 40% Niyo coins on every visa purchase & 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 & 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 & 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 & 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 & SBM Bank issue all cards. These cards are available exclusively on the Niyo App and are linked to the respective savings accounts accessible on the app. Niyo itself is not a bank and doesn’t claim a banking license.
Updated on
Jun 12, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Photos and videos
This app may collect these data types
Location, Personal info and 9 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

20.5K reviews
Vancouver Seattle
June 13, 2024
I’m disappointed with the Niyo Global app for not having an option to change my registered phone number. In today's mobile-first world, the ability to update contact details is essential. Without this feature, I'm forced to navigate a slow and inconvenient customer support process, which is frustrating and time-consuming. This oversight impacts both account security and user experience. Until this is fixed, I find it hard to recommend Niyo Global despite its other useful features.
Did you find this helpful?
Finnew Solutions Pvt. Ltd.
June 13, 2024
Hey there! We are deeply concerned to hear about your experience and assure you this doesn't align with our service standards. You can now change your registered mobile number for your Niyo SBM, DCB savings, and Equitas accounts, but not for NiyoX and DCB current accounts. For further assistance, kindly write to - SR.
Deepanshu Gupta
April 13, 2023
Account creation and card delivery was smooth. However while on trip, the app stopped working. I could not increase card limit and I had to use other cards for most of my trip. The support team was not very helpful. It took about 4-5 days for the app to start working after reporting the issues. Many Play Store reviews at that time also complained about servers being down. Overall, very helpful card, if the app works. Just make sure you have backup alternatives.
17 people found this review helpful
Did you find this helpful?
Finnew Solutions Pvt. Ltd.
April 13, 2023
Hi Deepanshu, we're thrilled that you're enjoying using our features! 🙌 This feedback means a lot to us. Especially appreciate the effort you’ve taken to help us improve. Thanks for this, and we’ll be sure to pass on your feedback to our teams and work towards improving the experience for you! - ZG.
Siddhant Thakare
December 21, 2023
This is my second review and one after a considerable amount of use Things I liked: 1. Easy first-time onboarding. 2. The app is clean and shows all the details of your account, and you control almost everything from your app. 3. Transparency to the customer and good customer support. Things I didn't like: 1. Can't use the debit card for international transactions. 2. The regulation changes happened on a quite significant level, like the way to increase the credit limit. This can have an impact.
18 people found this review helpful
Did you find this helpful?
Finnew Solutions Pvt. Ltd.
December 21, 2023
Hey Siddhant! Thank you for the time taken to share your review. Your feedback is crucial, we'd do everything and anything from our end to make your journey with us a delightful. - RN.

What's new

We're always on the move and making improvements to Niyo Global. To make sure you don't miss a thing, keep yourself on the newest version of the app!