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SCC Welcome PDF

This document provides instructions for customers on how to increase their spending limit and ATM withdrawal limit on their Global credit card from Niyo. It also outlines how to pay bills, common fees, using lounge access with the card, and how to earn and redeem cashback rewards called Global Coins for transactions. Customers can contact Niyo's 24/7 in-app support for any other questions.

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fibiro9231
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29 views4 pages

SCC Welcome PDF

This document provides instructions for customers on how to increase their spending limit and ATM withdrawal limit on their Global credit card from Niyo. It also outlines how to pay bills, common fees, using lounge access with the card, and how to earn and redeem cashback rewards called Global Coins for transactions. Customers can contact Niyo's 24/7 in-app support for any other questions.

Uploaded by

fibiro9231
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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A Guide To

Global credit card

Hey there,

We are thrilled to have you on board with us. We have compiled


some things that customers usually ask us after they order a
Global Credit Card. Hope this helps :)
Increasing your
spending limit
There are two ways to increase
your spending limit.

Increase online and swipe transactions limit


Step 1. In the app, select “Credit Card”

Step 2. Select “Increase Limit”

Step 3. Enter your preferred amount

Step 4. Select the “Continue” button to add money to

the card and increase the credit card limit

You can use this limit for all online payments and swiping
machines (not for ATM withdrawals). Please note that once money
is added to the card, you cannot transfer the amount back to your
savings account.

Increase ATM Limit


Step 1. In the app, select “Credit Card”

Step 2. Under the option “Fixed Deposits”,

select the “Add FD to increase ATM limit” button

Step 3. Enter your preferred FD amount and Nominee Name

Step 4. Swipe the Pay button to book the FD


Using your card at ATMs
Your monthly ATM withdrawal limit is
the same as the sum total of your FDs
0% interest charges on your ATM withdrawals
(similar to swipe and online transactions) with interest
applied only in case of delayed dues clearance

Paying the bill


You can pay the bill in your app
using your savings balance.
Your billing cycle is a set of 30 days.
You can select the date you want your bill to be generated and
you will have 15 days from the bill generation date to pay your
bill. For example, If you select the 1st of every month, then your
November bill will be generated on the 1st of December and you
will have till the 15th of December to pay it.
In case of a late payment, you will be charged 3% monthly
interest (36% annually) and a late payment fee of ₹150 + GST.
This will also lower your credit score.

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No annual maintenance charges.

No charges on your online transactions.

For ATM withdrawals, a flat fee of ₹300+ GST is charged


per withdrawal. The bank whose ATM you use may also
charge a fee.

For the entire list of bank charges like card replacement charges etc.
please refer to the schedule of charges.

*VISA exchange rates apply, T&C Apply.


Using lounge access
Your Niyo Global account
comes with one complimentary
airport lounge access per
quarter at select airports
within India. You can check out
the in-app Lounge Locator to
find participating lounges.

Global Coins

Earn exciting 1% cashback as Global Coins with all domestic POS


& ECOM transactions made with your credit card.
10 Global Coins = 1 Rupee
Each time you make an international ECOM or POS
transaction, equivalent Global Coins get unlocked
to be redeemed for cash into your savings account
Ensure you have at least 1,000 unlocked Global
Coins to redeem for cashback.
The more you spend, the more Global Coins/cashback
you earn!

For any further queries, you can connect with our 24×7
in-app chat support, anytime. We understand that there
is no time zone for getting help. You can raise a ticket
from the support section in the menu of your app.
Thank you!

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