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Study Abroad Smarter with a Zero Forex Markup Student Card
Save up to ₹2 Lakh with Niyo’s zero forex suite
The best card in India for students with zero forex markup charges and free international transfers.
- Zero Forex Markup Card: Load INR, spend in 130+ currencies.
- Zero Fee International Money Transfers: Send money abroad, no charges.
*T&C applied
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DCB Niyo Credit Card
Smarter way for students to spend abroad
Life time Free Card-
Free International Lounge*
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Zero Forex Markup & Zero TCS
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No Paperwork & no credit check
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Flexible Credit Limit
What will it get me?
Free eSIM with 1GB international data
1 Free ATM
Withdrawal Abroad*
Withdrawal Abroad*
Zero convenience fee
on flights
on flights
Welcome Bonus
worth ₹250*
worth ₹250*
Over 5 lakh Indians trust Niyo to save ₹2 lakh+ yearly with zero forex markup on international spends.
Every swipe saves you more with Niyo
Zero Forex Card
Say goodbye to hidden charges—Niyo cards come with zero forex markup, saving you up to 5% on every swipe.
Load INR, spend globally
Top up instantly via UPI or IMPS, and use your card across 180+ countries in 130+ currencies.
Zero Fee International Money Transfers
Send tuition fee or rent abroad with the best forex card for students — no forex markup, no SWIFT charges, and no hidden costs.*
Earn upto 8% interest!
Keep your money working while you study — earn up to 7.5% interest on your account balance, higher than many traditional FDs.
No Joining Fee!
Get your zero markup student forex card without paying a single rupee. No setup fees, just pure travel convenience.
Same day card delivery !
In select cities, enjoy doorstep KYC & instant card via Niyo Express.
More Than Just a Zero Markup Forex Card for Students
Niyo Flight Scholarships for Indian Students
Apply and win a free one-way ticket to your study destination with Niyo’s student flight scholarship.
- 20 flight scholarships up for grabs
- Open to all UG and PG students
- Exclusively for Fall 2025 students using Niyo’s zero forex markup card.
Niyo International Student Ambassador Program 2025
Join 500+ student changemakers shaping the way India spends abroad. Be the face of Niyo and show others how to save smart and get rewarded for it!
- Be a part of an exclusive global network
- Unlock cash, and exciting rewards along the way
The Globetrotter's Yearbook
I watched a video about the Niyo card on YouTube and decided to get one for myself and my parents. Since receiving the card, I've used it in the UAE and found it to be widely accepted everywhere. My experience with Niyo has been fantastic!
I have been using the Niyo DCB debit card as well Equitas debit card for POS payments in UK, Europe, Turkey, Bahrain, Dubai and Azerbaijan. I have taken out minimal cash from ATM but most of the transactions have been from POS and few times online, while paying visa fee.
Niyo is that blessing in disguise that we all wanted but nobody offered. It is a one stop solution for any kind of money transaction you would like to do abroad. I have been a loyal user of Niyo for past 2 years and have already referred a dozen people in my circle.
During our recent trip to Dubai, the Niyo card was a lifesaver. We used it everywhere, just like a regular ATM card and it never let us down. Whether we were dining out or shopping, the Niyo card was there, making everything easy and hassle-free. It really made our trip a lot smoother and we'll definitely be taking it with us on our future travels.
Using my Niyo card abroad has been fantastic! The zero forex markup, along with seamless transactions and great exchange rates, has made my travels stress-free. I particularly appreciate the instant notifications and easy currency conversions, which have made managing finances on-the-go a breeze.
I've taken Niyo debit and credit cards on three international trips, and they've been absolutely flawless. The real game-changer? Zero foreign conversion fees! The Niyo app has also made managing travel expenses so much easier and economical. Highly recommended for anyone traveling abroad!
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Frequently Asked Questions
A student forex card is a prepaid card loaded with foreign currency offering chip-and-PIN security and multi-currency support. It locks exchange rates upon loading and avoids cross-border charges—perfect for managing tuition, rent, and daily expenses overseas.
Niyo’s zero forex suite offers zero forex markup on over 130 currencies, instant INR top-ups via UPI/IMPS, and in-app control, making it a strong contender for the best forex card for Indian students.
Unlike traditional credit/debit cards, a zero forex markup card like Niyo avoids dynamic currency conversion fees and locks in currency rates at the time of transaction, ensuring cost certainty. It’s often preferred as the best international credit card for Indian students, avoiding debit and markup costs.
The best forex card for international students with zero forex markup charges offers simplicity with INR loading via UPI/NEFT, chip-and-PIN security, , real-time top-ups, and 24×7 in-app support. With global acceptance, Niyo checks all the boxes—making it a smart choice for Indian students heading abroad.
Yes, with Niyo, you can reload your zero markup forex card for student travel via IMPS, UPI, or NEFT in real time—no waiting is needed, even while abroad.
Multi-currency cards that cover 130+ currencies are ideal. Niyo supports just that and locks in rates upfront, making it a top pick for the best forex card in India for students travelling across borders.
The best forex card for students is transparent about all costs. With Niyo, there’s zero forex markup and no hidden fees—you spend abroad at the interbank rate, without surprises.
Top providers enable quick card blocking via their app or helpline. A significant advantage of a forex card for student use is the ability to block and re-order your card instantly—especially useful for Indian students managing finances from overseas.
Niyo’s got your back, wherever you are. From 24×7 in-app chat to emergency cash support, Indian students can access help anytime—no matter the time zone. Whether your zero markup student forex card is lost, stuck in a transaction, or you need urgent assistance, Niyo’s support team is just a tap away. Plus, with app-based control for card settings, PIN resets, and instant blocking, managing your money abroad feels stress-free and secure.