Note: This is a forex/travel card linked to a digital savings account (a debit-style product), not a credit card. For Niyo’s credit card, see our Niyo SBM Global Credit Card review.

Verified against Niyo + SBM / Equitas pages (June 2026): A zero-forex-markup travel card linked to a Niyo digital savings account (issued with SBM Bank / Equitas). 0% forex markup on international spends across 150+ currencies (Visa exchange rate applied); free/low-cost international ATM withdrawals (per variant); the savings account can earn interest. Fully app-managed with instant load/freeze. Since it’s account-linked (debit), spends are within LRS and may attract TCS rules unlike credit. Confirm current terms in the Niyo app before applying.

Niyo Global Forex Card Review

SBM / Equitas Bank · Niyo · Zero-forex travel card (savings-linked)

Our score: 8.0 / 10

0% forex markup

150+ currencies

Savings-linked

Not a credit card

The Niyo Global card is a hugely popular zero-forex travel card linked to a digital savings account. It’s a debit-style product (distinct from Niyo’s credit card), prized by international travellers for 0% markup. Here is the verified review.

TL;DR: A zero-forex-markup travel card linked to a Niyo digital savings account (SBM/Equitas), usable across 150+ currencies at the Visa rate, with free/low-cost international ATM withdrawals and an interest-earning account. It’s app-first and account-funded (debit), so no credit involved. Among the best options for cheap international spending; just note it’s a savings-linked card, not a credit card (see our separate Niyo SBM Global Credit Card review).

What we like

0% forex markup on international spends
150+ currencies at the Visa exchange rate
Free/low-cost international ATM withdrawals
Linked savings account can earn interest
Fully app-managed (instant load/freeze)

Watch out for

It’s a debit/savings-linked card, not credit
Spends are account-funded (LRS/TCS rules may apply)
Requires opening a Niyo digital savings account
App-only servicing
ATM limits/fees vary by variant

Key details

Item	Detail
Type	Forex/travel card (savings-account-linked debit)
Forex markup	0%
Currencies	150+ (Visa rate)
International ATM	Free/low-cost (per variant)
Account	Niyo digital savings (can earn interest)
Management	App-first (instant load/freeze)

Who this card is for

Best fit: international travellers who want 0% forex and free ATM access, funded from savings.
Skip if: you specifically want a credit card (see the Niyo SBM Global Credit Card).

How to get it

Apply: open a Niyo digital savings account via the Niyo app; the card ships after KYC.

Final verdict

The Niyo Global forex card is one of the best zero-forex travel options — 0% markup across 150+ currencies, free ATM access and an interest-earning account, all app-managed. It’s a savings-linked (debit) product, so if you want credit, see the separate Niyo SBM Global Credit Card; for cheap international spending from your own funds, it’s excellent.

Frequently asked questions

Is this a credit card?

No — it’s a forex/travel card linked to a Niyo digital savings account (debit-style). Niyo also offers a separate SBM Global Credit Card.

What’s the forex markup?

0% — international spends are at the Visa exchange rate with no markup.

How many currencies?

150+ currencies are supported.

Do I need a savings account?

Yes — the card is linked to a Niyo digital savings account, which can also earn interest.

Data current as of June 2026, cross-checked against Niyo and SBM/Equitas pages. Confirm current terms in the Niyo app before applying.