What are the impacts for non-premium users?

Users who wish to refrain from subscribing to the Niyo Premium Plan cannot take advantage of the additional benefits Niyo offers. 

However, the Niyo cards (SCC, SBM debit card, DCB debit card, & Equitas debit card) will continue to have zero forex markup.  

However, the features mentioned below will be discontinued. 

• No free ATM reversals.



• No lounge access is provided.



• A convenience fee on flights will be charged.



• The service fee for visa bookings will be charged INR 150 per user. 



• No welcome coins