The card is slowly degrading its status
1. The card comes with Visa infinte and none of the Visa Infinite offers cannot be used
2. The custom amount to pay or add extra money is blocked by the Niyo app to load to an FD-based card their new intention is to make an FD increase where their SBM debit doesn't work internationally. whereas to load this card 3rd party or other banks don't support says invalid credit card only via cred we can pay for this useless card.
3. lounge programs internationally are downgraded by 90% free use in India is removed (the card has been devalued) spend based criteria are induced
4. The app malfunctions a lot for unlocking the app. multiple log outs and spending multiple SMS as charged based to reactivate the app
recommendations for a few more months niyo might hold higger later when other banks and cards take the market as there are good non-FD unsecured credit cards in the market if a real-time money calculator etc added to their portfolio this Niyo won't be of any use (customer support nowadays are useless either they blame the banking partner or other division they are least bothered)