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How it works


30 second onboarding

Easy eKYC through Aadhaar and biometric

One Click Distribution of benefits

Load employee benefits on NiYO cards through corporate portal

Start spending anytime anywhere

Employees can start spending the benefits on 1.5+ million outlets online and offline

Claim and Reimburse

Employees can claim tax benefits easily using the NiYO mobile app

Benefits for Corporates


RBI and Tax Compliant

NiYO card is both RBI and Tax compliant.

Digital distribution

Easily distribute benefits using NiYO.

Integrated with HR systems

NiYO is integrated with HR systems.

Benefits for your Employees


Wide Acceptance

Use NiYO card on 1.5+ million outlets, online and offline.


Pin Protected, Lock/Unlock via mobile app.

Tax Saving

Best way to save taxes.

Comes with a mobile app

All users get free access to an easy to use mobile app to check balances and transfers. Using the app, a person can lock and unlock the card and even change the ATM pin number. Access to support is provided within the app too.

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