Niyo: Global cards for travel 4+

Niyo Card With Zero Forex Charges
1M+ Customers | Works in 180 Countries|UPI Payments

The Niyo card is the only international credit and debit card you’ll need to make international payments without paying any forex charges. It is perfect for leisure & business travellers, as well as students studying abroad. Zero forex markup* Niyo cards are delivered in just 3-5 days. Niyo cards are better than regular travel forex cards for international travellers.

Why choose Niyo?

Zero forex markup* on all international transactions
Add money in INR & use in 180 countries
Card delivery in 3 days
Coins: Unique rewards program
UPI payments with Niyo Pay
Nearby ATM Locator to withdraw cash globally
Currency Converter for live forex rates
Instant Cash: Credit up to ₹3 lakh in just 4 minutes
Track Employees’ Provident Fund (EPF) balance
Zero commission on direct mutual fund investments
Systematic Investment Plans (SIPs) starting at just ₹100
24x7 live chat support irrespective of time zone

How to open a Niyo account?

Time: Less than 5 minutes
Documents: PAN, Aadhaar, Indian Passport

Download the Niyo App
Verify your Mobile Number and Email ID
Verify your Passport & Aadhaar details
Capture a quick selfie
Enter Personal and Nominee details
Complete your 3-minute Video KYC
Your Full-KYC Savings Account will be ready
Your card will be delivered within 3 days

UPI on Niyo Pay
Niyo Pay works with any bank in India that supports BHIM UPI. Simply link your bank account to your UPI ID on this app.
One UPI ID for all your bank accounts.
Scan UPI QR: Scan QR & make instant payments at shops and merchants.
Pay via Mobile Number : Pay anyone, no matter which app they're are using
Check Account Balance across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.
Each transaction is secured with your 4 or 6 digit number UPI PIN.

Premium Niyo Perks:

Zero Forex Markup*: Shop, dine, travel, and save up to 5% on all international transactions.
Coins: Unique rewards program for referrals and domestic spends.
Instant Cash: Get credit up to ₹3 lakh for travel/ personal use directly into your bank account in a 100% digital, document-less, and secured process.
Niyo Pay: Make UPI payments within the app to anyone, no matter which UPI app they use
ATM Locator: Find one nearby to withdraw local currency worldwide.
Currency Converter: Live forex rates to know your purchase value upfront and avoid surprises later.
24x7 Live Chat Support: Emergencies happen, so we’ll be here to help you no matter where you are in the world.


The INR-based Niyo card takes away the need for a multi currency account & multi currency card. You can add money to your card in INR and transact in the currency of your destination abroad. Once you’re back in India, you can continue to use your card for domestic offline and online transactions.

The Niyo Card is the only card you will need during your travels to make forex payments on the go.

Note: Niyo digital savings accounts and credit and debit cards are in partnership with DCB Bank, Equitas Small Finance Bank, and SBM Bank (India).


Niyo also offers personal loans that are quick & 100% digital
Tenure: 90 days - 36 months
Interest rate: 14-20% p.a.
Processing fee: 2.3%-3% of the loan amount + 18% GST


Example:
Loan amount: ₹100,000
Tenure: 12 months
Interest rate: 14%
EMI amount: ₹2,733
Total interest payable: ₹31,167
Processing fee (incl. GST): ₹2,950
Disbursed amount: ₹97,050


NBFC Declaration: Niyo Global acts as a platform for the NBFCs licensed by the RBI. The NBFC which uses our service is Liquiloans.


Download the app and experience the sheer brilliance of a zero forex markup iInternational debit & credit card with Niyo!

*T&C apply
Got questions? Reach out to us at global@goniyo.com