Niyo IDFC zero MAB to which IDFC account variant should I migrate?

[Dark Knight]

Have a Niyo IDFC zero MAB account with platinum DC. Should I migrate to another IDFC account variant? I usually keep 1.5L as acc balance.

 

[varkey]

Select has 1% markup. My bad. Only exclusive account has zero markup. I got an offer to upgrade from iconia amex to Pinnacle . I'm not much aware of spend based waivers on it.

Yeah IndusInd Select has 1% markup. I was referring to IDFC Select debit card and in IDFC, the default markup is 2% for all cards. Okay, I will try reaching out to IndusInd and see if can get an upgrade.

I checked my email, idfc had informed regarding converting niyo dc to platinum card on 29th Feb 2024. I thing since then they must be charging 2 percent markup.

This markes me wonder, whether new DC issuances after some internal time period triggers the change in forex rate. Anyway guess there is no point in arguing with IDFC to get the 0% forex rate, but still worth a try. In my case, there was no explicit communication from IDFC about the change in forex rate. And the very first card I got from IDFC is the platinum card, never a Niyo branded card. I think the initial delivery of the card didn't happen, and I asked for the card to be resent a while later, which is probably why I got the Platnium from the very beginning, but even with Platinum I used to get 0% forex markup until Feb 2024.