✔️ Zero forex markup on international transactions in both stores and online.

✔️ Zero account onboarding charges.

✔️ Real-time VISA exchange rates through the Niyo app and avoid extra charges.

✔️ Earn up to 8% PA interest on your savings account balance.

✔️ Open your account digitally, without any paperwork.

✔️ Access spend-based international lounges during your international travels.

✔️ Manage your card’s e-commerce, POS, and ATM limits using the Niyo mobile app.

✔️ Instantly generate a virtual debit card upon opening your account.

✔️ Receive 24x7 customer support for any assistance.

✔️ Earn Niyo coins with transactions and use them to access additional Niyo services like Insurance, VISA, and Flight payments.

✔️ Unlock exclusive cashback and discount offers as a Niyo customer.

✔️ Get access to your Niyo DCB debit card in over 180 countries worldwide.

✔️ Enjoy additional perks of VISA, Forex Cash, travel insurance, mutual fund investment, and EPF balance tracking.

✔️ Account opening charges - Zero

✔️ Minimum balance - Zero

✔️ Account Maintenance Charge: ₹500 +GST (upon non-maintenance of minimum quarterly account balance)

✔️ Debit Card - Zero

✔️ Debit card replacement - ₹249 + GST