DCB Niyo Handbook

DCB Niyo Global Handbook
A Guide To
Global Debit Card
Welcome to the world of zero forex markup and higher interest

rates with your DCB Niyo Global debit card!
Your Niyo Global account is in partnership with DCB Bank. It

comes with a VISA Platinum debit card with zero forex markup
on all your international transactions, high interest rates on your
balance, and much more.
Benefits of DCB
Niyo Global debit card
You’ve picked the best travel card for yourself!
Here’s how it fares amongst its peers:
Other
Benefits Niyo Global Other Debit Forex
Credit
Debit Card Cards Card
Cards
Forex markup 0% Up to 5% Up to 5% Up to 5%
Free lounge
access at With With
international ✔ select ❌ select
terminals in cards cards
India
International With
lounge access spending ❌ ❌ ❌
worldwide criteria
Interest Rate Up to 8% Varies with

cards
❌ ❌
Load Money
24X7
✔ ✔ ✔ ❌
View
transactions ✔ ✔ ❌ ❌
real-time
We have compiled a few things that our users usually ask us

after opening a DCB Niyo Global account. Hope this helps!
Card Delivery
The card takes up to 3 business
days to reach big cities and up to
5 business days to get delivered
to smaller cities. It will be delivered
to your Communication Address.
You will get the tracking number
via SMS within 1-2 days after the
card is dispatched.
You can track your card delivery right within your app.
Tap on Bank (bottom menu) > DCB Bank > Card Settings
Adding money to your

Niyo Global account
Add money via Bank Transfer: You can load your account
via NEFT/IMPS/RTGS/UPI using your unique Account
Number and IFSC (STCB0000065).
Log in to the app > Select “Bank” (bottom menu) > “Add
Money”
You can also link UPI ID and add money with UPI apps such
as PhonePe, Google Pay, or PayTM.
The money in your DCB Niyo Global savings account will

earn high interest up to 8% p.a.#
UPI is on Niyo Global

We’re excited to share that Niyo Pay is now active on the Niyo
Global app! You can create new or link your existing UPI ID for
seamless payments.
You can use this account to create a UPI ID on any UPI app
(GooglePay, PhonePe, Paytm, etc). The UPI ID can be created
24 hours after your DCB Niyo Global account is created.
T&C Apply.
#
UPI Limits
First 24 hours after setting UPI PIN: Up to ₹5,000 per day

(max. 10 transactions in the day)
After 24 hours after setting UPI PIN: Up to ₹25,000 per
transaction, Up to ₹1 Lakh per day.
Using your
Niyo Global Card
Activate your card by setting PIN
Step 1: Log in to the app and select “Bank”
from the bottom bar.
Step 2: Click on “Card Settings” and “Set PIN”.
Enable International Transactions

Step 2: Click on “Card Settings”.
Step 3: Click on “Card Locks” and enable

the toggle for international transactions.
Step 4: Enable the toggle for channel locks:
Online Transactions, Card Swipe, ATM
Withdrawal, and Tap & Pay as required
Change Card Limits
Step 2: Click on “Card Settings” and “Card limits”.
Important: While making any international transaction (card swipe or

ATM withdrawal), if you are asked to select between INR and the local
currency, please select the local currency to avoid additional charges.
TCS (Tax Collected at Source)

With the recent changes in tax
rules, there is NO TCS on spends
up to ₹7 Lakh. However, the DCB
Bank will deduct 20% in TCS with
every international transaction and
refund it within 2 hours if your total
international spends is less than ₹7
lakh in a financial year (FY).
For a seamless experience, please

ensure you have 20% more
balance than the transaction
amount (e.g. for a ₹10K
international spend, ensure ₹12K
balance).
You can check your TCS refunds for each
FY right within the app. The remaining
spending limit before you reach the ₹7
Lakh mark can also be tracked within
the app (after you’ve made at least one
international spend).
For international spends above ₹7 Lakh in

an FY, you can easily claim TCS refund
while filing your Income Tax Returns (ITR).
Lounge Pass
Your Niyo Global account comes with
one complimentary airport lounge
access per quarter per user at select
international terminals within India.
You can find the list of participating

lounges on the app:
1. Click on “Hub”
(bottom right button on the home page)
2. Scroll down to the “Travel” section

and click on “Lounge Pass”
No more trying multiple cards

to check for lounge access!
- No more swiping card, entering PIN,
or ₹2-25 fee
- Just claim Lounge Pass in-app and
show the QR code at the lounge front
desk to enter!
- Explore the list of eligible lounges
with free access
- Track your Lounge Pass usage history
- Check all the amenities provided
by the lounge
Transaction Limits
Your card and account come with certain limits on spending
and fund transfer which can be customised as needed.
Card Limits
Card Swipe or Online transactions: Up to ₹10 Lakh/day
(or as per the card limits you have set) and a maximum
of 30 transactions/day
Tap & Pay: Up to ₹5,000 per transaction and up to
₹5,000/day
ATM withdrawal: Up to ₹1 Lakh/day (or as per the card

limit that you have set) and a maximum of 10
transactions per day
Fund Transfer Limits

IMPS/NEFT (after adding payee): Up to ₹5 Lakh/day
UPI: Up to ₹1 Lakh/day
Charges
for your account Ch
ar
ges
Your Niyo Global account is a zero-balance account, with

zero forex-markup charges.
Card Order Charge

There are no card order charges.
Annual Maintenance Charge

There are no annual maintenance charges in the first
year. From the second year, there will be an Annual Fee
of ₹500 + GST which can be avoided if you maintain an
average balance higher than ₹5,000
International ATM Withdrawal Charges
₹300 + GST for every ATM withdrawal. The bank whose
ATM you use may also charge a fee.
Got questions? We’re always here to help you.

Connect with us via 24×7 in-app chat support,
anytime!

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DCB Niyo Global Handbook

Welcome to the world of zero forex markup and higher interest

Your Niyo Global account is in partnership with DCB Bank. It

Interest Rate Up to 8% Varies with

We have compiled a few things that our users usually ask us

Adding money to your

The money in your DCB Niyo Global savings account will

UPI is on Niyo Global

First 24 hours after setting UPI PIN: Up to ₹5,000 per day

Enable International Transactions

Step 3: Click on “Card Locks” and enable

Important: While making any international transaction (card swipe or

TCS (Tax Collected at Source)

For a seamless experience, please

For international spends above ₹7 Lakh in

You can find the list of participating

2. Scroll down to the “Travel” section

No more trying multiple cards

ATM withdrawal: Up to ₹1 Lakh/day (or as per the card

Fund Transfer Limits

Your Niyo Global account is a zero-balance account, with

Card Order Charge

Annual Maintenance Charge

Got questions? We’re always here to help you.

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