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Niyo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Niyo suits travellers and everyday spenders who want a card that charges nothing to hold. The debit card pairs a monthly fee of INR 0 with a currency conversion fee of 0% and 130 supported currencies, which suits anyone spending abroad. Cash machine withdrawals are the weak spot, with a free allowance of INR 0.

Key facts

Best for
Travellers and everyday spenders who want a no-fee card for spending in several currencies.
Monthly fee
₹0↗
Currency conversion fee
0%↗
Free ATM withdrawals
₹0↗
Card type
Debit↗
Top-up fee
Zero loading fee↗
Card network
Visa↗
Currencies
130↗
Legal entity
Niyo Solutions Inc.↗
Headquarters
India↗
Founded
2015↗
Support channels
Email, Help-centre↗
Features
Multi-currency, Travel
Official website
goniyo.com

Credit cards

Annual fee
₹0↗
Rewards type
Points↗
Perks
Lounge access, Travel insurance, ESIM↗
Card kind
Credit↗
Pricing model
No annual fee

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInLinkedInXTrustpilot

Pros and cons

Pros

  • A monthly fee of INR 0 on the debit card and a currency conversion fee of 0%, with 130 currencies supported
  • Loading the card carries a Zero loading fee
  • The credit card adds an annual fee of INR 0 with lounge access, travel insurance and eSIM among its perks
  • A Visa network card, so it works widely at home and abroad

Cons

  • A free ATM allowance of INR 0, so cash withdrawals can cost extra
  • Support runs on email and help centre only, with no phone line listed
  • The debit card sits at 44 on free ATM withdrawals among 124 brands
Niyo

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Travellers who spend in several currencies and want no conversion charge
  • Everyday spenders who want a card with a monthly fee of INR 0
  • Credit card applicants after lounge access, travel insurance and eSIM perks

Who should look elsewhere

  • People who take out cash often, since the free ATM allowance is INR 0
  • Anyone who wants phone support, as support runs on email and help centre
  • Readers who want an interest rate, since none is listed for either card

How it compares on our data

On our data the debit card ranks 1 of 422 brands for the monthly fee, at INR 0, and 1 of 258 brands for the currency conversion fee, at 0%. Free ATM withdrawals tell the other side of the story: INR 0 puts it at 44 of 124. The credit card adds an annual fee of INR 0.

The company behind it

The card is issued by Niyo Solutions Inc., based in India and founded in 2015. It runs on the visa network, offers multi-currency and travel features and issues both a debit card and a credit card. Support runs on email and help centre. The credit card earns points with lounge access, travel insurance and eSIM.

How Niyo compares

Where Niyo is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Niyo debit card cost to hold?+

The monthly fee is INR 0 and the card also has an annual fee of INR 0. Loading money onto it carries a Zero loading fee. On our data the monthly fee ranks 1 of 422 brands, so there is little to pay for day to day use.

Is there a fee for spending in another currency?+

The currency conversion fee is 0% and the card supports 130 currencies, with multi-currency and travel among its features. That fee ranks 1 of 258 brands in our data, which makes it one of the cheapest cards for spending abroad.

Can I take out cash without paying?+

The free ATM withdrawal allowance is INR 0, so cash machine use is not free here. That is the weakest part of the offer, and it places the card at 44 of 124 brands on free withdrawals in our data. Paying by card or tapping costs nothing extra.

What kind of card is it and what network does it use?+

Niyo issues a debit card and a separate credit card, and both run on the visa network. The debit card is the everyday spending option, while the credit card adds travel benefits and pays rewards in points.

What perks come with the credit card?+

The credit card lists lounge access, travel insurance and eSIM as its perks, and charges an annual fee of INR 0. Its rewards come as points rather than cashback, so the travel extras matter more than the reward rate for anyone spending abroad.

How do I get help if something goes wrong?+

Support runs on email and help centre, which means email and a help centre rather than a phone line. If you want to talk to someone by phone, a card with phone support may suit you better, since Niyo does not list one.

Who is the company behind the card?+

The card is issued by Niyo Solutions Inc., which is based in India and was founded in 2015. It is an India based provider, so the card is aimed at customers in that market rather than a UK account.

Is this a savings account?+

No, Niyo is a card provider rather than a savings account, so no headline interest rate or deposit term applies here. It issues a debit card and a credit card on the visa network. If you want a rate on your money, a savings account comparison is the place to look.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Niyo

Niyo

Travellers and everyday spenders who want a no-fee card for spending in several currencies.

9.0/10See alternatives