Niyo Global Card is a smart travel card for Indians with zero forex markup and interest on savings. Learn about its features, benefits, cons and eligibility criteria in this detailed review. Why are zero forex markup cards offered by Niyo better than multi-currency forex cards ? Here’s a quick comparison of zero forex markup cards offered by Niyo vs. multi-currency forex cards . The Niyo card is a zero forex markup international card designed for hassle-free global payments. This INR_based card is accepted in 180+ countries and supporting 130+ currencies & comes in debit card or secured credit card variants with no hidden charges. Enjoy perks like real-time currency conversion, spend-based free lounge access, and full control via the Niyo app. With easy digital onboarding, high spending limits, and zero balance requirements, it’s ideal for international travellers ... Travel smarter with Niyo ’ s Zero Forex Card . Enjoy global spending with no hidden fees or forex markup. Accepted in 150+ countries.