Niyo review

The debit card carries a monthly fee of INR 0, and the credit card an annual fee of INR 0. Loading money in is listed as Zero loading fee. Day to day use abroad is where any further cost sits.

The currency conversion fee is 0% on the debit card, so spending in another currency adds no conversion charge. In the comparison this card sits at rank 1 of 259 brands on that measure, and the account holds 130 currencies.

Free ATM withdrawals come to INR 0 on the debit card, so cash withdrawals carry a charge. In the comparison it ranks 41 of 115 brands on free withdrawals. Anyone taking cash out often will pay more here than on a card with an allowance.

The credit card lists lounge access, travel insurance and an eSIM among its perks, and it is built for travel. The debit card is the multi-currency travel account, where the 0% conversion fee matters most. Points rewards come on the credit card side.

Niyo lists a debit card and a credit card. The debit card is the travel account with the multi-currency setup and the 0% conversion fee. The credit card carries lounge access, travel insurance, an eSIM and points rewards.

Rewards on the credit card are paid in points, listed as points, rather than cashback. The account runs on a model listed as no annual fee, and the credit card pairs the points with lounge access, travel insurance and an eSIM. What the points are worth on a given spend depends on the current terms.

Support runs on email and help centre, so email and a help centre are the listed routes. Anyone who needs to speak to a person on the phone should weigh that before applying. Card questions are answered through those channels only.

The legal entity is Niyo Solutions Inc., headquartered in India, and the brand was founded in 2015. The cards run on the visa network, so they can be used wherever Visa is accepted. The account is a multi-currency travel product.