Niyo Global Card: Ideal Choice for International Travellers

The Niyo Global debit card offers its users the following benefits and features:

• High Interest on Savings: The Niyo Global cardholders can earn interest up to 7.50% p.a. on their Niyo SBM savings account with the facility of monthly interest payouts
• Zero Forex Mark-up: The Niyo Global forex cardholders are not charged with any foreign currency exchange fee on making international payments. You only have to pay the applicable VISA exchange rate on your international transactions. Explore more on Low Forex Markup Fee Credit Cards
  
• Travel Benefits: You can get exclusive travel offers with complimentary VISA airport lounge access at both domestic as well as international terminals in India by using this travel card. Check: Best Credit Cards for Airport Lounge Access

• Integrated Smart App: The Global Niyo debit card comes with access to a smart app using which you can locate the nearest ATM anywhere in the world, track real-time currency exchange rates and get 24×7 live customer chat support.

You need to satisfy the following criteria after which you will be eligible to submit the instant Niyo forex card application:

• Eligibility Criteria: All residents of India above 18 years of age with valid Indian Passport, Aadhaar and PAN card are eligible to apply for zero markup cards offered by Niyo.

The fees and charges applicable on this debit card are as follows:

Note: Fees and charges are updated as of Nov 2025.

Click here for detailed schedule of charges applicable on Niyo Global card by SBM bank.

Note: This card does not charge any forex fee, however standard VISA exchange rates still apply on international transactions.

You can apply for this card only if you have a Niyo Global account which can be opened digitally. The steps to open your digital savings account and subsequently get your Niyo Global card are as follows:

Step 1: Download the Niyo Global app.

Step 2: Complete the KYC using your PAN card, Aadhaar card and Indian passport to open your account.

Step 3: A virtual Niyo Global card is provided once the account opens which can be used for online transactions.

Step 4: To get the physical card, maintain a balance of Rs. 5,000 in the account and place the card order.

Step 5: You will receive the card within 3 to 4 days after the order placement.

Q. What is a Niyo Global Card?

Niyo global card is a VISA Signature debit card which comes in two variants- virtual as well as physical. The virtual card is issued within the app and can be used for online transactions. You can place a request for the physical card on depositing Rs. 5,000 in your savings account to avail extensive card benefits as discussed above. 

Q. How do I contact the Niyo Global card customer care?

You can avail the services of the 24×7 customer care for your Niyo Global card by either calling on the number 1800-1033-817 or by sending an email at customercare@sbmbank.co.in.

Q. Can I use my Niyo Global card to withdraw cash abroad?

Yes, you can use your Niyo Global card to withdraw cash from any ATM in India as well as abroad. The Niyo card functions across the VISA network and its in-app ATM locator also helps you to search for the nearest ATM.

Q. How much does a Niyo Global card costs?

Niyo global card comes with zero joining and annual fee.