Zero forex markup secured travel card backed by SBM Bank fixed deposit
Free
One-time upfrontFree
Waiver on milestoneStandard Points
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 14 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
FD-backed international credit card offering zero foreign currency markup on overseas transactions. Requires a minimum fixed deposit of ₹5,000.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Niyo Global SBM Credit Card application, fees, reward redemption, and eligibility
The joining fee for Niyo Global SBM Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by SBM Bank India from time to time.
Niyo Global SBM Credit Card offers reward points on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, Niyo Global SBM Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Key eligibility criteria for Niyo Global SBM Credit Card include minimum age of 18 years, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.
You can apply directly through the official SBM Bank India portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official SBM Bank India portal with paperless verification.