Things that you will get.

Multiple Tax Benefits

NiYO enables you to save taxes on various benefits like food, medical, fuel, travel, phone etc.

Transact Online Safely

Your NiYO card is 3D Secure enabled which lets you make online transactions easily and safely.

Wide Acceptance

Your NiYO card is acceptable on all the Mastercard, Visa and Rupay outlets letting you shop anywhere seamlessly.


You can lock or unlock your NiYO card with the mobile app allowing you to stay in control and keep your money safe.

Multiple Uses

NiYO is an all in one solution, allowing you to spend, pay bills, save taxes and keep track of your expenses.

Digital Storage

NiYO removes the hassles of keeping physical bills by saving all your bills right inside its mobile app.

Check NiYO Balance details anywhere and understand applicable pocket specific tax benefits.

Why Employers Love NiYO

NiYO is a one stop solution to manage payroll & benefits in a convenient, compliant and cost effective manner.

  • Digital process for easier auditing
  • Custom solutions to meet respective compliance laws
  • One click distribution
  • Cost effective
  • Employee friendly
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Check NiYO transactions details anywhere and claim tax benefits.

Why Employees Love NiYO

NiYO helps in increasing take home salary by making tax benefits easier to understand & claim.

  • More Take Home Salary
  • No Paper Bills
  • Easy to Use
  • More Tax Savings
  • Track Expenditures
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Multiple Pockets to Avail Benefits Easily

NiYO provides multiple pockets in a single card enabling multipurpose use by removing the hassle of carrying a food card, a shopping card or any other benefits card seperately. All the funcionality is now present in one single card! All you have to do is swipe the card and the money is automatically deducted from the right pocket making it absolutely tension free. Additionaly, with NiYO, you don't need to store physical bills of your transactions to avail the tax benefits or save taxes. All of your pocket wise info is available in the NiYO mobile app, making it easier for you to track your spending.

In short, NiYO is a one stop solution for Food, Medical, Fuel, Travel, Phone and various other tax exempted benefits.

NiYO multipockets help you customise your employee benefits
NiYO transactions claim and benefits can be customised to your employee benefits

Detailed Transactions

NiYO card comes with a companion mobile app which works as an interface for your card. You can view and edit all your transactions in the app with a single tap. The app also helps you organise your spends and savings by -

  • - Tracking categorised expenses
  • - Helping plan your saving
  • - Assisting in paying your bills on time

among other functions

Attach Reciepts and Claim Reimbursements

With NiYO, claiming reimbursements is seamless. The app allows you to submit a request for reimbursement with a single tap. All you have to do is attach a reciept for a particular transaction and our system takes care of everything else. You can attach multiple reciepts for one transaction.

Attaching reciepts frees you from saving the physical copies of bills required for claims & reimbursements.

Get NiYO Today and Start Saving More!

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Meet Us

Meet the team behind it.

NiYO Vinay Bagri
NiYO Viren Bisht
NiYO Sai Sankar
NiYO Neetu Mehta
NiYO Chandrakesh Pandey
NiYO Manish Kumar
 NiYO Sekar N
NiYO Tito George
NiYO Avinash Pandey
NiYO Varun Vashistha
NiYO Arun Sharma Scientist X
NiYO Swaraj
NiYO Ojas Patil
NiYO Sahil Anguralla

We Would Love to Hear From You

Drop a mail to request an invite.


Bangalore, India




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