Just curious, since you travelled 50 countries - why didn't you pick the +ve rewards credit card after markup fee or those premium bank accounts debit card (Indus Exclusive etc.) ?
Isn't IDFC wealth credit card better for withdrawal? Though they charge 1.5% forex fees and 199 charges. But still comes out cheaper than Niyo I guess.
Also IDFC debit card has no withdrawal charges on International ATM. Only 2% forex charge.