Niyo advertises zero forex markup on eligible international card transactions, describing a saving of 3 %-5 % compared with typical cards. Its cards are stated to work in more than 180 countries and can be loaded in Indian rupees. Card approval, partner-bank rules, network acceptance, exchange rates, excluded transactions, taxes and other charges remain applicable.
Niyo states that its international travel cards have zero joining and issuance fees. The benefit is intended for eligible Indian applicants, but individual debit and secured-credit products have separate bank, balance, deposit and annual-fee conditions. Customers should compare the current card table, complete KYC and confirm all fees, taxes, eligibility and closure terms before applying.
Niyo offers complimentary lounge access under product-specific conditions. Debit-card users can unlock access after ₹75,000 or more of eligible international spending in a quarter, while credit-card users can redeem 30,000 Niyo Coins. Participating lounges, qualifying transactions, quarter dates, card status, guest charges and redemption availability follow the current programme rules.
Once you find a coupon to your favorite store or merchant, you can click to view and copy the code.
Enter the code on the merchant’s website and you get the discount.
It’s that simple. The discount is deducted from the price and you save money.
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