Niyo
Niyo Global Credit Card
Best for travel, lifetime-free
Lifetime free · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
2x
Min. income
₹3,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹3 lakh/yr · CIBIL 650+
Reward cap
Cashback capped at 1,50,000 Niyo Coins per month (≈ ₹15,000/month)
Welcome benefit
Free international airport lounge access (1300+ airports) on quarterly spend of ₹50,000 in the previous quarter. Compli…
Who is this for
- Frequent traveller
- Fee-averse spender
- International traveller
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Headquarters
Bengaluru, Karnataka
Established 2015
Website
www.niyo.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Late payment | ₹500 | Not waivable |
| Annual fee | ₹0 | Annual maintenance charge (AMC) of ₹423 + GST applies on the Niyo Global DEBIT card if Average Monthly Balance (AMB) falls below ₹5,000 — equivalent to a spend/balance waiver, not a renewal waiver. Avoidable by maintaining ₹5,000 AMB. |
| Cash advance | 2.5% of amount | Not waivable |
| Forex markup | Not published | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹10,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1% base cashback as Niyo Coins (10 Niyo Coins per ₹100; 1 Coin = ₹0.10). International lounge access unlocked on ₹50,… | Cashback capped at 1,50,000 Niyo Coins per month (≈ ₹15,000/month) | Niyo Coins redeemable in the Niyo Global app against flight bookings, hotel bookings, eSIM, travel services. Cash redemption is via statement credit on the credit-card variant only. |
| TRAVEL | 2.00 | — | 1.00 |
Benefits
-
Domestic lounge access
Limited — primarily international lounges (1300+ globally). Domestic lounge access in India is not the headline benefit but Visa Signature privileges may apply.
-
International lounge access Highlight
Yes — complimentary airport lounge access at 1300+ airports worldwide (subject to the ₹50,000/quarter spend trigger)
-
Milestone benefits Highlight
Free international airport lounge access (1300+ airports) on quarterly spend of ₹50,000 in the previous quarter. Complimentary travel insurance bundled.
-
Fuel surcharge waiver
1% fuel surcharge on the credit-card variant; not the headline benefit
Eligibility
- Age
- 18–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar (DigiLocker or physical), valid Indian Passport, video KYC with SBM Bank. 1-3 business days for account opening.
Niyo Global Credit Card is a VISA credit card from Niyo. It is best suited for travel, lifetime-free.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 2X rewards on forex spends
Eligibility
PAN, Aadhaar (DigiLocker or physical), valid Indian Passport, video KYC with SBM Bank. 1-3 business days for account opening.
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Niyo Global Credit Card
Last reviewed · How we review
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