LTF 0-Forex Visa Signature Physical Debit Card with 0-Balance Savings Account 100% Online Process - Niyo Global by SBM

LTF 0-Forex Visa Signature Physical Debit Card with 0-Balance Savings Account 100% Online Process - Niyo Global by SBM

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Deal Cadet
equalizer

LTF 0-Forex Visa Signature Physical Debit Card with 0-Balance Savings Account 100% Online Process – Niyo Global by SBM

https://www.goniyo.com/g...l/

Spend Globally, Save Locally!

No matter where you are in the world, we’re with you to help you save more and do more.
Bank on your Niyo Global account and experience all things extraordinary while globetrotting.

Powered by SBM Bank (India)
Ultimate Travel Partner
  • Zero Forex Markup¹

Say goodbye to markups on your forex transactions with Visa signature card

  • Load Instantly, Spend Anywhere

Managing finances while on the move has never been easier – load your account in INR, spend in 150+ countries

  • Your Money is Never on Vacation

While you take in the sights and explore new countries, a 5% interest³ on your savings means your money is constantly growing

¹VISA exchange rate is applicable.
³Conditions apply.

All You Need & More
  • Live Currency Converter

Real time currency converter in the Niyo Global App makes sure you never end up paying more when handling foreign currencies

  • ATM Locator

Travel light with minimal cash and zero hassle. The Niyo Global App locates an ATM near you, wherever you are

  • In App Chat Support

There is no time zone for an emergency, or for getting help with any issue with our 24×7 in-app chat support

Experience All Things Exclusive

  • Exciting Deals For All Indulgence

Enjoy exclusive travel and debit card offers. Saving money and availing customized deals while travelling has never been easier

  • Complimentary* Airport Lounge Access

Always travel in peace and comfort, even when you have to wait, with complimentary lounge access

  • Extraordinary VISA concierge

VISA concierge is your 24×7 digital personal assistant, offering specially curated experiences for you

Security At Your Fingertips
  • Stay Updated, Constantly

Get real-time updates for your transactions and balance

  • Lock/Unlock Your Card

If you’re not using your card or have misplaced it, simply ‘lock’ it temporarily and ‘unlock’ it once you’re ready to use it again

  • Manage Card limit

Stay in control of your digital savings account by locking or adding limits on ATM withdrawals, card swipes & online transactions

  • Your Money is Insured

Your money is always safe with an insurance cover of up to ₹5 Lakh by the Deposit Insurance and Credit Guarantee Corporation (DICGC), a subsidiary of RBI


SOChttps://static.goniyo.com/legal/Niyo_SBM_S...df

Confirmation on LTFhttps://community.goniyo.com/t/atm-and-pos-tran...

Confirmation on Lounge Access - https://community.goniyo.com/t/featureupdate-ai...


Key Pointers

Requirements – PAN, Aadhaar, Passport, Selfie

Initial Deposit of 5000 INR to become eligible for LTF 0-Forex Visa-Signature Physical Debit Card

Expiring In 8 months
36 Comments  |  
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Deal Cadet Deal Cadet
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benefits /?

eligibility ?


Deal Subedar Deal Subedar
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  • Zero Forex Markup¹
  • ¹VISA exchange rate is applicable.

Any idea what will be the final rate? 

Deal Cadet Deal Cadet
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any refer benefit?

Deal Cadet Deal Cadet
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Niyo global by DCB also available with the same benefit  

NiyoX by equitas also 

Deal Cadet Deal Cadet
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2-3 yrs back I got Niyo Global Card (same concept at that time, LTF, zero fx rate etc). It was issued with DCB Bank that time.

After 1 yr or so, they senta notice that will start charging annual debit card fees… had to cancel.

So, suggest all, pls be careful and be sure. Don’t just go for this unless planned usage in next few months

Deal Cadet Deal Cadet
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mGforCe wrote:

2-3 yrs back I got Niyo Global Card (same concept at that time, LTF, zero fx rate etc). It was issued with DCB Bank that time.

After 1 yr or so, they senta notice that will start charging annual debit card fees… had to cancel.

So, suggest all, pls be careful and be sure. Don’t just go for this unless planned usage in next few months

Thanks for the info. I also have this DCB Niyo Global Card since 3 years but I did not get any communication from DCB regarding fee revision. Also no issuance / amc charged to my account so far.

500 issuance and 500 amc – excluding gst as mentioned in current Niyo DCB Global Card SOC

Anyways DCB has stopped issuing this card AFAIK

Deal Cadet Deal Cadet
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sgsg792 wrote:

Niyo global by DCB also available with the same benefit  

NiyoX by equitas also 

Niyo Global by DCB


1. They have currently stopped issuing this card

2. This card has 500 issuance and 500 amc, excluding gst

3. This card is visa platinum and does not give complimentary lounge access


NiyoX


1. Only virtual debit card is LTF ( cannot be used for international physical transactions )

2. Physical card comes with 150 amc, excluding gst

3. This card is visa platinum and does not give complimentary lounge access

Deal Subedar Deal Subedar
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what’s the interest rate for 1 lac to 5 lac balance ?

Deal Subedar Deal Subedar
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equalizer wrote:

Niyo Global by DCB


1. They have currently stopped issuing this card

2. This card has 500 issuance and 500 amc, excluding gst

3. This card is visa platinum and does not give complimentary lounge access


NiyoX


1. Only virtual debit card is LTF ( cannot be used for international physical transactions )

2. Physical card comes with 150 amc, excluding gst

3. This card is visa platinum and does not give complimentary lounge access

thx bro. How is this better than Fi debit card ?

Deal Cadet Deal Cadet
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maxdealer wrote:

thx bro. How is this better than Fi debit card ?

Fi


1. Visa Platinum Debit Card

2. ROI is 2.5% (1.5% below RBI Repo Rates) – Ref https://www.federalbank.co.in/saving...te

3. No lounge access


Since all the variants being discussed ( Fi, NiyoX, Niyo DCB ) are 0-Bal accounts, it is of less concern to compare ROI


Read somewhere on DD that effective April 22, even Jupiter is giving 0-Forex markup..

Deal Subedar Deal Subedar
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can we take this card and then extract the 5000 Rs to a different ac, and run this like a zero balance ac, and still enjoy all the benefits of this card?

Deal Hunter Deal Hunter
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maxdealer wrote:

can we take this card and then extract the 5000 Rs to a different ac, and run this like a zero balance ac, and still enjoy all the benefits of this card?

yes

Deal Cadet Deal Cadet
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maxdealer wrote:

can we take this card and then extract the 5000 Rs to a different ac, and run this like a zero balance ac, and still enjoy all the benefits of this card?

Yes. And that is what I did 😃

Deal Cadet Deal Cadet
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equalizer wrote:

Thanks for the info. I also have this DCB Niyo Global Card since 3 years but I did not get any communication from DCB regarding fee revision. Also no issuance / amc charged to my account so far.

500 issuance and 500 amc – excluding gst as mentioned in current Niyo DCB Global Card SOC

Anyways DCB has stopped issuing this card AFAIK

Lucky you. We had like 3 cards in the family and we had overseas travel plan for all.

But then Covid happened and all plans were cancelled. And then after few months got this SMS/email for charges.

Closed all!

Deal Cadet Deal Cadet
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equalizer wrote:

Yes. And that is what I did 😃

If you have received the card can you please confirm whether it is really lifetime free card

Deal Cadet Deal Cadet
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equalizer wrote:

Thanks for the info. I also have this DCB Niyo Global Card since 3 years but I did not get any communication from DCB regarding fee revision. Also no issuance / amc charged to my account so far.

500 issuance and 500 amc – excluding gst as mentioned in current Niyo DCB Global Card SOC

Anyways DCB has stopped issuing this card AFAIK


If I withdraw from a foreign ATM while overseas, will the bank that owns the ATM charge a withdrawal fee?

Deal Cadet Deal Cadet
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I have sb accounts in both dcb and equitas. 

i dont need any forex cards.iam done with foreign travels.

compared to axis,inusind ,kotak ,i use DCB for forex remittance to my kid in europe. cheaper than even transfer WISE..

DCB single upfront ’all in price" with zero charges to beneficiary at the receiving european bank.

transferwise is almost instant (30 minutes) but DCB takes up to 5-6 hours.

refer to the above query some atms charge 5-10 euro/dollars per Cash withdrawl transactions,

Deal Cadet Deal Cadet
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koushik wrote:


If I withdraw from a foreign ATM while overseas, will the bank that owns the ATM charge a withdrawal fee?

I generally look up banks which do not charge a withdrawal fee, a few always exist. I draw money in atms at airport after arrival. I have not faced a situations where the zero-withdrawal fee bank did not have an atm at the airport.

Deal Cadet Deal Cadet
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Is there free access to international lounge with this card ?

Deal Cadet Deal Cadet
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Received the card today. It is saying Rs 499 second year onwards. What the hell?

Deal Subedar Deal Subedar
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anumod wrote:

Received the card today. It is saying Rs 499 second year onwards. What the hell?

pls verify this OP

Deal Cadet Deal Cadet
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anumod wrote:

Received the card today. It is saying Rs 499 second year onwards. What the hell?

I am guessing it is old SoC.. this one is the current


But can’t say for sure when they will change the SoC. Check @mgforce ’s experience regarding DCB Niyo Global sad

Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/758242/original/Screenshot_from_2022-04-09_17-14-11.png?1649504916

https://cdn0.desidime.com/attachments/photos/758243/original/Screenshot_from_2022-04-09_17-15-18.png?1649504932

As per calculation of 76.09122391 * 24.4 = 1856.6258634, I was charged 1856.63 INR 😊

Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/760252/original/IMG-20220417-WA0000.jpg?1650176826

Please check card fees before proceeding with account creation. So far it is LTF.

Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/760253/original/IMG-20220417-WA0002.jpg?1650176944

There are other criteria for eligibility. Interested dimers do notice.

Deal Captain Deal Captain
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posiedon wrote:

I have sb accounts in both dcb and equitas. 

i dont need any forex cards.iam done with foreign travels.

compared to axis,inusind ,kotak ,i use DCB for forex remittance to my kid in europe. cheaper than even transfer WISE..

DCB single upfront ’all in price" with zero charges to beneficiary at the receiving european bank.

transferwise is almost instant (30 minutes) but DCB takes up to 5-6 hours.

refer to the above query some atms charge 5-10 euro/dollars per Cash withdrawl transactions,

DCB bank or Diners Club Black , Sorry If i sound confused 😄

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