Niyo
Classic · NiyoX
NiyoX Prepaid Card
Niyo
Savings account linked prepaid with zero forex
Annual Fee
Free
Joining Fee
Free
Reward Rate
—%
Forex Markup
0%
Value Analysis
Annual Net Value
₹2,000
Total Annual Benefits
₹2,000
Total Annual Charges
₹0
ROI
9999%
Benefits & Perks
Travel Benefits (1)
Zero Forex Markup
No forex markup on international transactions
- • Valid on all international transactions
0% forex markup
₹3,500/yr
Other Benefits (1)
Interest on Savings
Earn competitive interest on the linked savings account balance
- • Interest credited quarterly
Up to 7% p.a.
Fees & Charges
| Charge | Amount |
|---|---|
| Issuance Fee | Free Free |
| Annual Fee | Free Free |
| Reload Fee | Free Free via UPI |
Transaction Charges
- Forex Markup
- 0%
- Cross Border Fee
- Free
- PIN Regeneration
- ₹50
ATM Charges
- Own Bank
- ₹20 (5 free/mo)
- Other Bank
- ₹20
- Intl. Withdrawal
- 0% + ₹0
Eligibility
Requirements
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed, Student
Notes
- • Available for all Indian residents above 18 years
- • Full KYC verification required
- • Linked to Equitas Small Finance Bank savings account
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Zero forex markupContactless paymentsEMV chip securityLinked savings account with interestVirtual and physical cardReal-time exchange ratesCard lock/unlock via app
Ready to Apply?
Savings account linked prepaid with zero forex
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