Travel
Zero Forex
Niyo Global Card
SBM Bank 4.2
CardTrail Score
Decent
out of 10
Annual Fee
Free
Lifetime free
Forex Markup
0%
No extra charge
Reward Rate
0%
Up to 0%
Lounge Access
0
domestic | 0 intl
About This Card
Technically a prepaid card, not credit — but the Niyo Global is India's best card for international spending. True zero forex markup with real-time interbank exchange rates. No income requirement makes it accessible to students. Load via UPI and spend globally. Everyone should carry one.
Pros & Cons
Pros
- True zero forex — best in class
- Real-time interbank exchange rates
- No income requirement — students can get it
- Easy load via UPI
Cons
- Prepaid card — not a credit card
- No rewards at all
- No lounge access
- No credit-building benefits
Fee Details
Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
Lifetime free
Fuel Surcharge Waiver
No
EMI Conversion
No
Reward Structure
Base Rate
0%
Max Rate
0%
Currency
None
Welcome Bonus
None
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Zero forex markup — absolute zero
- + Real-time exchange rates
- + No minimum income requirement
- + Works as a prepaid card loaded via UPI/NEFT
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Quick Summary
Best For
forex travel
Annual Fee Free
Base Reward 0%
Max Reward 0%
Forex Markup 0%
Network Visa
Min Income No minimum
CardTrail Score
Best For
forex travel students
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