Niyo DCB Bank Debit Card Review | Best Forex Card with Zero Forex Markup Fees

Niyo DCB Bank Debit Card is a game-changer in the realm of modern banking. Say goodbye to exorbitant currency conversion fees, as our card boasts zero forex markup, making international transactions seamless and cost-effective. The global acceptance of the Niyo DCB Bank Debit Card With dynamic currency conversion, emergency assistance services, real-time expense tracking, and more
#NiyoDCBBank #DCBbankBeditCard #NiyoDCBforexCard #ForexCard #BestForexCard #StudentForexCard #NiyoGlobal #DCBbank
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Check out our Niyo SBM debit card review:
• Niyo Global Forex Card...
Topic Covered:
Niyo Global DCB Bank Debit Card
Niyo DCB Forex Card
DCB Bank Debit Card Review
Best Forex card with Zero Forex Markup Fees
Best Forex card for students
Forex card for students UK
Best Forex card for tourist
Multi-currency forex card with zero forex markup fees
Niyo DCB debit card

[@bankexpert]

Download the Niyo Global App: bit.ly/47Lgdit ‼️ IMPORTANT ‼️ Niyo DCB debit card offers "free airport lounge access at international terminals in India." In the video, I mistakenly said airport lounge access is available in international airport terminals across the world. which is not correct. apologise for the wrong information.

[@drhemantjadhav984]

Hi Is it necessary to link upi aap like gpay , paytm to the dcb bank?

[@bankexpert]

No

[@atulgoyal1044]

Tell me if i do transaction on foreign online website using niyo dcb will there be any charges or not?

[@bankexpert]

No chargers

[@ravikantyadav4891]

What is the daily limit of ATM withdrawal? I mean if I pay 300+gst while withdrawing from ATM on foreign soil then what is the max amount I can withdraw at one time.

[@bankexpert]

ATM withdrawal: Up to ₹1 Lakh/day (or as per the card limit that you have set) and a maximum of 10 transactions per day

[@betweencephapirin]

Depends on the country and their rules for example Thailand max is 20000thb even if you have more

[@mailvenkatesh]

Remember that you will have yo withdraw only for food and transportation where swipe machine not available, everything else swipe the card and avoid any additional withdrawal. You will Also have to remember the excess cash you withdraw when leaving that country covert it yo USD and that will add forex charge at thr local counters..if not converted it will be difficult yo convert some in Indian forex shops. I think In india only around 15 global currency accepted. USD euro and AED AUD CAD pounds are widely accepted in india

[@mackiesanjay]

Do we have to deposit money first or link our another bank account to use debit card ?

[@bankexpert]

If you want to order a physical debit card, the deposit is compulsory. Once you order the debit card, you can transfer the money from Niyo to another bank.

[@HarshitGupta-yi1nl]

If I get the credit card instead of debit card Then also tcs would be deducted?

[@bankexpert]

Zero TCS on unlimited international spends on Niyo credit cards

[@vishalgarg1491]

Hi , I have 2 queries: 1. Is there any joining fees for the Niyo DCB debit card, if i will deposit 5k at the time of opening the account. 2 Can i use this card for T3 international lounge access in the first month. Is there any condition (50k ) spent as showing to use the lounge access?

[@bankexpert]

1. There are no joining fees. It is a normal zero-balance account that offers zero forex markup. 2. Niyo users can use to access international lounges all over the world outside India. Users can generate 1 lounge access pass per quarter if they have spent over Rs. 50,000 internationally

[@dipakmanna8329]

Bhai physical card agar abhi ke liye block kar diya or sirf upi transaction karu to koi problem to nahi please reply

[@bankexpert]

Nahi

[@satishhodgar9879]

Hii, Can I use Niyo global dcb debit card for online transaction in singapore ?

[@bankexpert]

Yes

[@aravindharinarayanan6128]

Hi, there will be no forex charges and taxes on dcb debit card as well right? Not just credit card?

[@bankexpert]

Right

[@vyrlfact0]

​@@bankexpert500 maintenance charges from next year. Right??

[@meghana.s.s9749]

do we have to pay tax ,if we pay online using card

[@bankexpert]

When you use the Niyo Global DCB Debit Card, you will notice a 20% TCS deduction on every transaction. The good news is that if your spending remains under ₹7 lakhs, the deducted amount will be promptly refunded within 2-4hrs on the same day. And even if your international spending exceeds ₹7 lakhs, you can still reclaim the refund during your Income Tax Return (ITR) filing process, so there’s no need for concern.

[@paulsam6228]

Do we need to maintain any limit or usage in order to use lounge access?

[@bankexpert]

Spend INR 50,000 outside India in a calendar quarter through Niyo SBM credit card or Niyo DCB debit card (applicable only on Ecom/pos transactions) Click on “Lounge Pass” in the “Quick Links” on the home page or access through “Travel Mode” or the “Hub” in the bottom menu Click on “Claim pass”. Your Lounge Pass will be generated.

[@vartikakarnawat9508]

@bankexpert Will this card work in Sri Lanka on PoS machines and for ATM withdrawals?

[@bankexpert]

yes

[@NishaKumari-in1jk]

I am not getting any option to increase credit card limits other than fd ...how to transfer saving account money to credit card wallet ??

[@bankexpert]

Now you can increase the credit card by adding the FD.

[@Farahcalligraphy]

Can you please tell how can I transfer money to my relative abroad using niyo global dcb bank debit card? Their customer care isn't helpful. TIA

[@bankexpert]

I have no idea about the money transfer to abroad.

[@3rupal]

What are admin charges additional to fare charges when we swipe and make a transaction internationally.

[@bankexpert]

On all multiple International debit transactions (payments/spending) made in a day, the TCS 20% is deducted on every transaction and TCS will be refunded back to your account within 1 - 2 hours or maximum If you have not crossed limit of 7 Lakh in a financial year on your PAN card level.

[@siddhikamat5356]

Sir DCC charges bhi nahi lagenge?

[@naveensingh3620]

Hi @bankexpert, I just applied Niyo Global Credit Card with FD of 5k and abhi sun rhe hai limit nhi badha skte ya top up nhi kr skte usme? To suppose mera 2 L ka expense ayega to 2L ki FD hi krni hogi? AUR suppose 2L ki fd krbhi diye to kya ye only ATM withdrwal support krega ya Tap&Pay ya Card transaction bhi support krega? Please answer as I have limited time to arrange my FOREX Card. Thank you in advance! @

[@bankexpert]

Hi Naveen, Yes, maine bhi bank se confirm kiya ab top up karke card ke limit ko increase nahi kiya ja sakta. Ek new FD karne hoge. jaise ke aapne kaha agar aap 2 lakh ke FD karte ho toh aap us amount ko ATM withdrawal aur Tap&pay ya online transaction kr sakte ho isme koi issue nahi hai. Lekin niyo ke credit card lene pe two problems hai. 1). ATM withdrawal fees ₹500 + GST or 2.5% of the transaction amount (whichever is higher) 2). Jitna bhi amount aap credit card se use kroge. CC ka bill generate hone ke baad pay krna hoga. (Jo sahi nahi hai) Isse better mai apko DCB bank ka debit card lene ka suggest karuga. yeh ek zero balance saving account hai. Bake apko jo sahi lage usko dekh sakte hai.

[@naveensingh3620]

@@bankexpert Thank you for the detailed response really appreciate it. I have ICICI Coral Card, WIll check and research about the DCB bank debit card! Thank you again!

[@anaishasagar]

​@@naveensingh3620 what you used? ICICI coral or niyo?

[@happium4118]

​@@bankexpertdcb bank ka debit card kya zero forex hai?

[@febint.shajan5691]

Are all the problems associated with the Niyo Global Debit card over? also can you please share how to apply for this card

[@bankexpert]

Only Niyo SBM debit cards are blocked by the RBI for international transactions. You can apply for the Niyo DCB card through the Niyo DCB app.

[@navedfarooqi8664]

Lets say if i am going saudi and do pos transactions of few riyals , my question is how much amount will be deducted . If my visa conversion rate is 22.45 so same would be deducted or will be any other charges like conversion fees, gst etc

[@bankexpert]

There are no conversion fees, no GST, but every time you make the payment, the TCS is deducted, but it is refunded within 2-3 hours. In the Niyo app, you will see the rates of INR to Riyal.

[@navedfarooqi8664]

@@bankexpert really helpful if you can give example. For eg. if am making pos transaction of 2 riyals. Also , will my pin work there?

[@happium4118]

​@@navedfarooqi8664I doubt he has ever used it internationally. They just say as per FAQ provided by bank. KZbinrs generally use premium cards internationally.

[@rohitsangale6651]

Can I use this card to make international payment in the credit card payment option ?

[@bankexpert]

Yes, you can make the international payment with this card. not sure about the credit card payment option.

[@rohitsangale6651]

@@bankexpert thank you for reply . When I am doing payment for frm exam it shows me credit card option, Alipay option and money wire (with 5% extra processing charges). I tried making payment using my SBI global debit with international transactions in the credit card section and it was not working . I just now got niyo global debit card , so wanted to know will it work for above case.

[@biplabmajumdar1702]

I have taken Niyo global DCB BANK card 4 - 5 months before and maintaining the balance of rs 12,000/- from beginning in my account. Recently, received both email and message regarding closing of account from bank end and raised reason of Bank internal review. Any one faced same issues from DCB BANK?

[@siddhikamat5356]

What happened then? Any updates? Was the issue resolved?

[@happium4118]

Any update

[@ramgopaltiwari3107]

I have recently opened bank dcb account via niyo global, and I am getting it's debit card is it different from dcb forex card or both are same? Please reply

[@bankexpert]

If you opened a DCB account, it was different. Niyo and DCB Bank have collaborated and launched their respective bank accounts, which offer zero forex markup fees.

[@manjunathbv9908]

Hi sir plese reply. I will be working in vietnam for 6 months. Which forex card you suggest me my spending will be on food and groceries and laundry and taxi expenses etc.. Niyo global dcb vs Thomas cook borderless vs fedral scapia vs fi vs any other. Preference would be zero forex and zero swipe charge and less atm carge.

[@bankexpert]

I suggest you get two cards. 1st Niyo DCB, 2nd scapia credit

[@Aashu24ahuja]

@@bankexpert scapia has stopped new onboardings now

[@D20kumar]

One thing suppose vietnam. All d atms 90% of them charges u plus neo card transaction charges plus gst . And limit in vietnam is 7000 rs means any transaction i do even if for 1000rs i have to pay around 400 plus. Correct me if i am wrong? Have to travel

[@bankexpert]

Yes, you are right. every time cash withdrawal charge is ₹300 + GST

[@PKB08]

Is there any limit of transactions in other country?

[@bankexpert]

DM me on Instagram, and I will share the link with you.

[@jeethuutube]

By mistake I got Niyo SBM debit and credit card , and now I cannot use it for international travel... how can I change it to Niyo DCB ? please help :(

[@bankexpert]

Close the Niyo SBM account and open the DCB account, or simply open the DCB account without closing the SBM account.

[@jeethuutube]

@@bankexpert One SBM account is created, there is no option in app to open dcb again... only forex can be ordered... and Im travelling next week :(

[@jeethuutube]

@@bankexpert can I withdraw money from ATM using niyo SBM credit card ?

[@basil7607]

cannot be blank issue when trying to to register for sending money to abroad

[@bankexpert]

Contact the customer; they will help you.

[@syedobaid3641]

Bhai agar mai Dubai me cash withdrawal Karunga ATM se agar to maximum kitna amount withdrawal hoinga is niyo global card se or kitne charges lagigey

[@bankexpert]

ATM- International Per day INR 1,00,000 aur per month INR 2,00,000. International ATM withdrawal charges ₹300 + GST per transaction

[@user-qy1br5ir7g]

Bhai mai sweden jaa raha hu kya waha ye card propely work karega. And mere pass card delivered ho gaya to kya ab usme international transactions enable karni hogi ya automatic on hui aayi h Pls reply Thank you

[@bankexpert]

yeh card visa network pe aata hai toh sweden me kaam karega. Waise mostly International transaction off he rehte hai. aapko app se enable krna hoga.

[@shivanshudhawan7714]

Bas enable karna hai and then pay right? Ya koi declaration bhi karna hoga travel karne se pehle? DCB me option nhi aa raha travel declaration

[@Sarvesh8176]

Thanks for this video. I just got this card at VAC. Is there any number of daily transactions limit internationally since this is a debit card?

[@bankexpert]

Niyo DCB debit card daily limit ATM- Domestic per day INR 50,000 ATM- International per day INR 1,00,000 Purchase- Domestic per day INR 2,00,000 Purchase- International per day INR 7,50,000 Fund Transfer per day INR 5,00,000

[@KumarSukar]

Is card se online transaction nahi ho raha hai Kaise setting se on hoga?

[@bankexpert]

Mobile app se on krna hoga online transaction

[@yashgupta6812]

Inr to other currency conversion m kitna charge lagega ??

[@bankexpert]

Zero charges hai

[@payalbhattacharjee2682]

Can I pay at different restaurants and shops with this card in Italy? Can I access lounge at international airports/terminals in India while travelling abroad?

[@bankexpert]

Yes, you can use this card in Italy at different restaurants and shops. The Niyo Lounge Access Pass is a benefit that Niyo users can use to access international lounges all over the world outside India. Users can generate 1 lounge access pass per quarter if they have spent over Rs. 50,000 internationally. Passes will be generated within 2 days of meeting the eligibility criteria and will expire within 30 days of being generated, so users must use them before they expire.

[@payalbhattacharjee2682]

@@bankexpert can I access the lounge service at Kolkata/Mumbai/Delhi international airport terminal?

[@anchorsnehalroham]

Is DCB niyo debit card banned ? Some articles says it is banned and you can not use it for international transactions, Can you please comment as im traveling to dubai in next week and i have already applied for the same

[@bankexpert]

Niyo SBM bank debit cards are banned.

[@SIKANDAR.ALI.]

Two person bhi free lounge access kar sakte hai kya ek card se one time me

[@bankexpert]

1 card se one person

[@rahulsgharat]

Can we add money if we are in abroad? Will gpay to add money will work abroad?

[@bankexpert]

You can add money if you are abroad. I'm not sure about GPay.

[@user-lk4wl9eh9k]

500 rupee per year charge hai ya only one time when we order card??

[@bankexpert]

First year fees nahi hai second year lagega agar aap 5000 maintain karta he to wo Bhi nahi lagega.

[@TrndON96]

For abroad transaction debit or credit card??plss replyy

[@bankexpert]

Both are good. Make sure your debit or credit card offers zero forex markup fees.

[@neelbtw_]

If I maintain 5000 rs in my account that means they don't take annual fee of rs 500 ? As per you mention ...??

[@bankexpert]

Right

[@momitapaul7996]

Suppose if I use this card in Indian international airports so that card will work??

[@bankexpert]

Yes. but no lounge access in India. only outside India

[@siddhikamat5356]

Sorry I’m a noob but if I understood correctly… iska matlab if I’m making a payment of ₹500 internationally (at a cafe, tourist attraction, etc.) using this card toh mujhe exactly ₹500 hi charge hoga aur KOI BHI additional charges nahi lagenge right?

[@bankexpert]

Right. transaction ke time TCS bhi deduct hoga pr wo refund ho jayega kuch time baad.

[@siddhikamat5356]

Sir DCC charges bhi nahi lagenge?

[@agarwalnitin92]

Hello, Thank you so much great insides. I am planning to trio to philippines, how can i understand if Niyo DCB Bank Debit Card can work perfectly fine in philippines. can you please guide me here! thank you in advance.

[@bankexpert]

The DCB bank debit card comes with the Visa Platinum Network. so it works around the world.

[@Rambhagat88]

Suggest debit card higher reward point on pos like idfc bank select debit card

[@bankexpert]

sure. I will check

[@AkhtarAlamwale]

Niyo global sbm debit card ke app mai international transactions enable dikha raha hai, kuch problem solve hua kya... please check and reply.

[@bankexpert]

Problem solve nahi hua hai. SBM debit card abhi bhi banned hai

[@prasadmankar7650]

​@@bankexperttoh konse cards chalu hai niyo global ke?

[@madhurshah4526]

8 months back RBI banned debit card. Is it working again ?

[@bankexpert]

RBI banned Niyo SBM debit cards.

[@Vshk69]

Hey, can I use this card to access berlin, germany airport longue access? (I’m from delhi)

[@bankexpert]

According to the Bank Niyo website, you can avail international airport lounge access.

[@jadugm1685]

Sir muje SBM me account open krna he but app me sirf DCM me open ho raha hee kyaa krun??????

[@bankexpert]

Can you share the screenshot in my Instagram DM? Please blur/hide your personal details.

[@sheerazkb]

UK le ja sakte hain kya students

[@bankexpert]

Han

[@piyushkakkar7552]

Is it necessary to spend 50K for international lounge access?

[@bankexpert]

Yes

[@shashanka.m7136]

Which is better niyo equitas or niyo dcb ??

[@bankexpert]

Wait for the comparison video.

[@shashanka.m7136]

@@bankexpert when will it come?

[@user-vp9yr5wv6u]

Forex and debit both are one card or we have to take 2 card's. One for debit and other for forex

[@bankexpert]

Forex cards are different. If you take Niyo cards, they offer forex card benefits.

[@mubeenshaikh3113]

Lounge access available?

[@bankexpert]

Yes

[@kunnfayakunn]

how to apply let me know

[@bankexpert]

Download the Niyo DCB app from the Play Store

[@kelp1136]

How to reorder niyo dcb debit card??

[@bankexpert]

You will get the option on the Niyo app.

[@greenbox11]

Can i use in Armenia?????

[@bankexpert]

yes

[@farhanfarhan1102]

Domestic airport lounge access use kar payenge.

[@bankexpert]

Han

[@farhanfarhan1102]

@@bankexpert domestic airport lounge access kitne milte Hain aur kaise use kare

[@JDSINGH9922]

Does it work in China

[@bankexpert]

Yes

[@ashwanigaur9509]

Can we use Niyo debit card internationally as earlier RBI BANNED IT for international transactions

[@bankexpert]

The RBI banned Niyo SBM bank debit cards. Niyo DCB bank debit card worked globally.

[@sameerdeoputra4004]

500 rs card charges is one time ?

[@bankexpert]

Every year

[@neelbtw_]

If I maintain 5000 rs then they also cut 500 rs as per annual fees ya they return?

[@jatin4239]

Thank you for nice information

[@bankexpert]

Welcome

[@Siddharths88]

How can i use this card globally. As in load the money in INR and how can i use it in Europe.

[@bankexpert]

Right, enable international transportation, and that's it. it will work globally.

[@poonam6435]

U r wrong this bank DEBIT card has stopped all these fecilities, it doesn't work globally now. Check from the bank. All these fecilities r given on their credit card now not debit card.

[@bankexpert]

On this card, all international services are available. The Niyo SBM bank debit card is not working globally.

[@vivpro1951]

They take 20% tcs upfront during foreign transactions and refund it after 14 days. 20% of your money is blocked for 14 days

[@bankexpert]

When you use the Niyo Global DCB Debit Card, you will notice a 20% TCS deduction on every transaction. The good news is that if your spending remains under ₹7 lakhs, the deducted amount will be promptly refunded within 2-4hrs on the same day. And even if your international spending exceeds ₹7 lakhs, you can still reclaim the refund during your Income Tax Return (ITR) filing process, so there’s no need for concern.

[@vivpro1951]

@@bankexpert it gets refunded in 12 days not in 2-4 hours

[@NehaBunny05]

@bankexpert do u suggest buying DCB Niyo card for international travel?

[@bhaisainformals6880]

Bhai Niyo SBM Debit card ya Niyo DCB Debit Card konsa better hai? Secondly kya cards out of India delivery hopaayegi?

[@vivpro1951]

@@bhaisainformals6880 sabse best hai equitas bank ka niyo X. Can’t be delivered out of india. I have all three

[@y73738]

Sir ek equitas vs dcb kae bare mae baatae neao global kae under

[@bankexpert]

sure

[@mailvenkatesh]

I think niuo card has 425 withdraw fees on international ATM

[@bankexpert]

International ATM withdrawal charge ₹425 + GST

[@sheerazkb]

Or ek baat or jub ek hafte me students account hee khul jayega bank men to uska debit card bhi milega or hum yaha se remittance kar denge ho gaye problem solve..ek episode ban dijiye UK Jane waale students k liye.

[@bankexpert]

Han pr agar UK account me india se paisa transfer krege toh remittance charge dena hoga na.

[@sheerazkb]

@@bankexpert arey bhae to ek baar he chala jaayega paisa

[@amolkorane9849]

government ne TCS 7 Lakh ke upar ka bhi wave off Kiya hai bhai....

[@bankexpert]

Sirf Niyo ke credit card pe (Zero TCS on unlimited international spends). debit card pe TCS applicable hai (Pay Zero TCS for international spends up to 7 lakh)

[@user-qp4ke9zn2y]

That's mean ki below 7 lakh TCS will be deducted on that particular transaction then it will automatically reversed back in my account right please reply

[@ankitpawarankit]

Hi I have created a dcb bank created using the niyo app..i want to use this in dubai ..what needs to be done?

[@bankexpert]

Just deposit money in your DCB account and use the card.

[@ankitpawarankit]

@@bankexpert do i need so enable any feature to swipe the cars and pay for anything in dubai using niyo dcb debit card?

[@samratkhan2663]

20% TCS ko wapas kaise laen

[@bankexpert]

Agar annually 7 lakh se kam spend kiya hai toh TCS automatically return ho jayega.

[@saivinesh5]

​@@bankexpert bro kha return hoga, kaise pta chalega? Koi bol rh hai kuch file krna pdta hai?

[@meghasalunkhe739]

Good content

[@bankexpert]

Thank You.

[@thestorytube660]

I am now stuck because of this , i am in London and this shit card doesn't work anywhere

[@bankexpert]

Maybe there is some technical issue? How many times has it not worked?

[@burahkits9788]

Wrong information

[@bankexpert]

Could you explain more?

[@D20kumar]

Bakwas cars and useless service. Its been a month I didn't receive card and no customer service at all. No person will attend ur call. These r scameer u might get stuck with this card

[@bankexpert]

Have you tried to connect via social media?

[@D20kumar]

@bankexpert I tried everything and first thing they don't have ivr or 24*7 service. If u r stuck outside the country want to reach out than God saves u. SOCIAL MEDIA HARD TO FIND THEIR existence haha. But some how i got their ID. @NiyoSupport I am not sure u might have Got good service but many. Kinda risky. Their app social community details r false and won't open. No customer service. Dcb is top not notch worst bank. Very difficult to connect with tha

[@amithalder7700]

I received the card with in 4 days, good service from DCB Bank

[@AneeshChowdhury]

Such low knowledge people making videos. And spreading misinformation - lounge access is only in india not abroad

[@bankexpert]

Check the Niyo official site, then comment.

[@user-ke6zj5br5g]

It is written on website that 'Free airport lounge access at international terminals in india'. That means international airports in India.

[@bankexpert]

Enjoy your toast and the best of pre-flight luxury with Niyo Global’s complimentary airport lounge access at international airport terminals across the world.

[@user-ke6zj5br5g]

@@bankexpert Can you plese share the link.

[@chirahira2191]

Card me kitna maintain krna hai

[@bankexpert]

yeh ek zero balance account hai. toh balance maintain krne ke requirement nahi hai.