Seeking Feedback on Niyo Global for upcoming foreign trip
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I am planning a week's vacation in Dubai and although I will try my level best to buy certain tickets from India thru some offers and all, I will still need a card for my purchases there like food or shopping or tickets to something or travelling etc.
I am aware that although I can use Indian credit cards there, it will attract foreign markup fees. Someone suggested me to go with Niyo Global due to their zero markup thing.
Can anyone explain me if this card / account is better over my existing cards?
I currently have following credit cards..
ICICI Amazon Pay, ICICI regular, HDFC regalia, IDFC first select.
Based on the cards that I have, should I got for Niyo or use one of the existing cards?
Also I believe most banks when doing conversion from say AED to INR, they will use whatever their usual "we sell at" rate which is higher than usual exchange rate, is that correct?
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Niyo gave me lot of issues in the initial stage only like, i was unable to add money in niyo account. Upi net banking both were rejected. Also u need to load 5k to get the card.
Better use fi app and its visa card. They work very good here and in dubai also.
yes go for niyo global. conversion is visa conversion rates. no foreign currency markeup charges. keep in mind its a debit card and not a credit card.