Credit Cards · Honest Review
Niyo Global Credit Card
Niyo · Visa
Your Verdict
- ✓Zero forex markup on all international transactions
- ✓Lifetime free — no annual or joining fee
- ✓Free international ATM withdrawals (up to 3/month)
- ✓Real-time forex rate updates on the Niyo app
- ✓Accepted on all Visa-enabled international merchants
What Niyo Global Credit Card costs you
Niyo Global Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Niyo Global Credit Card earns 0.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.00% |
| ✈️ Travel & Flights | 2% |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Niyo Global Credit Card are limited — the card's value proposition is primarily the reward rate structure.
Who can apply for Niyo Global Credit Card
Niyo Global Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Niyo Global Credit Card
- → Heavy spenders on travel & flights who want 2% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
Niyo Global Credit Card — Questions answered
Is Niyo Global Credit Card free for life?
What is the minimum income required for Niyo Global Credit Card?
What is the reward rate on Niyo Global Credit Card for travel & flights?
Does Niyo Global Credit Card provide airport lounge access?
How long does it take to get Niyo Global Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.