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NiYO Card Acceptance

Where can I use my NiYO Card?

Your NiYO card is a multiwallet card which is accepted at more than 15 lakh online and retail merchants across India

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NiYO can be used at any merchant which accepts visa, mastercard or rupay



1. The category for which your Niyo card is valid depends on the allowance which you have opted for, and your company policy. Please consult with your HR in case of any discrepency and/or confusion


2. In case you wish to use your card at a merchant which is present in a category
a) not allowed by your company policy
b) not opted by you as allowance
c) not listed here
you can do so by adding your own money to your card.

Click here to find out more.

List of popular merchants
where NiYO is accepted

Please note that this list is only representative,

and is not exhaustive of the places where the card is valid

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4 Seasons 

Adyar Ananda Bhavan Sweet
Baskin & Robbins
Biryani Bowl
Burger King
Cafe Coffee Day
Cafe Grill
California Burrito
Chef Bakers
Chung Wah
Corner House
Green Nest
Hotel Imperial
Indian Coffee House
Johnny Rockets
Just Bake
Kanti Sweets
Kebab Magic

Leon Grill

Mad over Donuts

Mast Kalandar


Oven Fresh

Punjabi Rasoi
Real Ambur Dum Biryani
Shaan E-punjabi Express
Smoke House Deli
Southern Chilis
Sree Saravana Bhavan
Stone House Ice Cream
Sweet Chariot Cafe
Taco Bell
Thalassery Restaurant 
Costa Coffee
Cream Stone
Curries & Pickles

Mdp Coffee


Nature Nest

New Udupi Delicacy

Vasudev Adigas
Vedic Chai
Domino’s Pizza 


and many more...


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7 Days Super Market
Adhya Enterprises

Godrej Nature’s Basket
Aditya Birla Retail
Aishwarya Departmental Store
Ashirwad Super Market
Avenue Supermart
Big Basket
Big Bazaar
Byreswara Fruits Veg
Capital Hyper Mart
Casio Hyper Shoppee
Choice Super Shoppe
City Super Bazaar
City Super Market
Everfine Hyper Mart
Family Choice 

Four Points Supemarket
Fresh Fruits & Vegetables
Fresh Green and Grains
Fresh Zone Bangalore
Freshco Hyper Market Freshworld
Future Retail Ltd
Grand Super Market
Halli Thota
Haneefa Super Market
Hyper City
Ideal Supermarket
Ishwar Shopping Center
M K Ahmed Bazaar
Maha Bazaar
Max Hypermarket
Miami Super Market
More Megastore
National Super Shop

Food City
Food Palace Super Market
New City Super Market
Ninety Nine Grocery Retail
Nisarga Mart
Patanjali Mega Store
Plaza Super Market
Pragati Foods
Prakash Fresh Fruits
R S Enterprises
Right Ventures
Royal Mart
S and S Mini Metro Mart
Shabari Super Market
Shopwel Super Market
Shree Guru Enterprises
Sowbhagya Traders
Spencers Retail Ltd

Family Point

Fine Food Mart

Sri Annapoorna Rice Traders

Sri Venkateshwara Farm Supplies

Sri Venkateshwara Super Market

Sri Vinayaka Fruits and Vegetables

Sunrise Super Market

Swaraj Hypermarket

The Big Market

Thirumala Stores

Top in Town

Trivenni Food Mart

Value Mart Village

Hyper Market

and many more...


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Shell HPCL

Indian Oil Corp Ltd


Essar Oils Gurukrupa Auto Service Amar Service Station 

Jyoti Oil Distrubutors Jcpl Fuel Station Auto Care Centre 

Padmashree Fuels

Reddy Filling Station

JSN Petrol Pump

and many more...


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and many more...


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Acttv Airtel Airwire Technologies Atria Convergence Technol Bharti Telemedia Ltd Bsnl Chethan Broadband Chethan Cable

Cracker Broadband Digital Telco Network Docomo Gatik Business Solution Hathway Iconnect Idea Inservice Digital Lakshmi Cable Network

Plexus Technologies Pune Rajalakshmi Enterprises Reliance S V Communication Sai Fiber Network Sky Network Smartlink Broadband

Mathrushree Enet

Nextel_ebs Nextify Inc Om Satellite Link

Spectranet Sri Bhagavathi Cable Tatasky Tikona Vodafone Lalitha Enterprises

and many more...


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Apollo Hospitals


Star Medicals Vishal Pharma Medplus Trust Chemists and Drugs R M The Family Doctor Venkateswara Medicals Arun Pharma Centre Sankara Eye Hospital 


Shree Sai Medicals Pawan Medicals

Arun Medicals

Aarogya Pharmacy Ram Medicals Netmeds Pradnya Nethralya Telerad Healthcare Dia Medicals Pavan Pharma

Sri Lakshmi

Billionsmiles Hospital

Sai Siddhanth Pharma Raghava Pharma Retail Shirdi Sai Hospital

Gopal Medical Center Pathanjali Chikitsalay Sri Sai Shankara Pharm Apollo Pharmacy Trust Chemists and Drugs Specialist Health

Vishal Medico

Raghulal and Company

Diacon Hospital Lakshmi Medical Phylocode Healthcare United Pharma Friends Medical Hall Myra Medicines G N Pharma Giri Medicals M S R Pharma Shree Siddi Vinayaka Vaishnavi Life Care 

and many more...


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Flipkart Amazon Jabong Shopclues Ziva Me Jabong Myntra Snapdeal Urban Ladder Zefo Pepperfry

Mom &Me Shoppers Stop Ajio First Cry Hopscotch Voonik She.In Stalkbuylove.Com W Soch Craftsvilla

Koovs Limeroad Faballey Shopclues Indiamart Indiarush.Com Zipker Craftly Manyavar Fabindia

Vanahuesen Allensolly Louisphillipe Menswearhouse Ferns N Petals Nykaa Gistshopmag.Com Homeessentials Dotcomgiftsshop Archies

and many more...


Using your NiYO Card
like a normal debit card

Step 1

Transfer money to your NiYO card

Your NiYO card has an attached Account Number and IFS code which is provided in the welcome kit. They can also be viewed by accessing your profile in the mobile app.


Step 2

Voilà! You can now use you NiYO card like any other debit card!



Salient Features of the NiYO debit card:

  1. Accepted at all outlets worldwide
  2. Money can be transferred in and out of the card
  3. You can withdraw cash at any ATM across India