Is Niyo the best card to get for short international travel

[isaumya]

Hi,
I currently hold the following credit cards:

• ICICI Sapphiro
• ICICI Amazon Pay
• HDFC Business Regalia
• HDFC Tata Nue Infinity
• Axis Ace
• SBI Cashback

I am planning to go to Australia for ~ 3 weeks in May. I was wondering which of these paths I should take for 0 forex and hidden charges:

1. Get a multi currency card from some bank like HDFC or ICIC and load AUD in there so that it can be used for both swipe and ATM withdrawal (not sure if any charges are there in ATM withdrawal here)
2. Get a 0 forex card like Niyo, load INR there and use it and then after I'm back simply take out the INR left in my card via ATM and deposit in my bank
3. Use one of my credit card for the forx spends — I don't want to do it as all card has forex charges + GST associated with it and then additional cost for ATM withdrawal.

So, I'm looking for community wisdom in this matter. I think Niyo or something like that would be the best option for me, but I know the community members knows much better than me, so I'm looking for your guidance in this matter.

 

[Anupama_Jha]

Get RBL world safari card, and
Open Indie savings account with 50k initial funding which will give u LTF debit card which offers zero forex.

For backup, keep SBI Rupay Platinum JCB debit card also.

If flights and hotels still not booked, get axes atlas cc.

Have a great journey 💞

 

[isaumya]

Hi Anupama,
I don't want to increase more things to manage. I am looking for a more of a disposable option. Like I use and then don't worry about it.
What's the issue with Niyo or similar prepaid cards? Cause after my travel I can simply just get rid of it.

 

[sunit123]

RBL world safari card is paid and for indusind, we need to open another account...I am also looking for disposable option.

I shortlisted Niyo, Bookmyforex and orient exchange forex cards...Any suggestion, which one is best among 3.

 

[techstrom007]

I have used Niyo global in UK/ Dubai / Thailand / Vietnam / Kazakhstan faced no issues.

Simple card backed by FD you can control the credit limit yourself and close the FD whenever needed.

Now they started charging 500 RS for ATM withdrawals previously which was free for certain times / limit.

But overall good no brainer LTF card for international spends, 0 Markup, Easy to use application to turn on/off txn's when not needed.

Works with all online apps like Grab / UK local ticketing apps etc.

Multi currency / Forex cards has a lot of hidden charges better avoid those.

 

[abhiver]

Problem which I face with niyo is , they issue physical card for free on first instance only. For example if you close the FD and restart then they simply give you the renewed Virtual card and for physical card you need to pay some 299+GST

 

[Aditya12]

I’ve used niyo debit card for about 5 years now in 10+ countries and never had an issue. Earlier it was linked to a current account and last year they moved to dcb savings account (visited branch and got everything setup and got new card). First time applicants may not have to visit branch physically.
At times my other cards have failed on international websites but this one came as saviour. Up to 10L spends in a FY do not attract any tcs.

I like the savings account variant vs the credit card. Upon returning to India I keep 5-6k in the account and take everything out (5k mab makes the DC free)

 

[Mynameisjoker99]

Hi,
I currently hold the following credit cards:

• ICICI Sapphiro
• ICICI Amazon Pay
• HDFC Business Regalia
• HDFC Tata Nue Infinity
• Axis Ace
• SBI Cashback

I am planning to go to Australia for ~ 3 weeks in May. I was wondering which of these paths I should take for 0 forex and hidden charges:

1. Get a multi currency card from some bank like HDFC or ICIC and load AUD in there so that it can be used for both swipe and ATM withdrawal (not sure if any charges are there in ATM withdrawal here)
2. Get a 0 forex card like Niyo, load INR there and use it and then after I'm back simply take out the INR left in my card via ATM and deposit in my bank
3. Use one of my credit card for the forx spends — I don't want to do it as all card has forex charges + GST associated with it and then additional cost for ATM withdrawal.

So, I'm looking for community wisdom in this matter. I think Niyo or something like that would be the best option for me, but I know the community members knows much better than me, so I'm looking for your guidance in this matter.

Visa mil gya ?