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SBM Onboarding Guide

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51 views5 pages

SBM Onboarding Guide

Uploaded by

newshop.mybusiness
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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Niyo SBM Onboarding

We're delighted you chose Niyo SBM as your


international travel partner!

Your account creation process is about to start, and


our handbook is here to make it seamless and quick.

Welcome aboard!
How to get a Niyo Credit Card?

What you’ll need:


Aadhaar Number
Original PAN card with signature
Passport File Number (physical passport not required)
Blank paper and a pen
Aadhaar-linked mobile to receive OTPs

Follow these steps to open your Niyo SBM account.

1. Enter your Passport File Number.

Note: Passport File Number is not the


same as your Passport Number.
Find it on the last page of your
Indian passport.

2. Enter your Aadhaar Number. Fill out the OTP sent to the
mobile phone registered with your Aadhaar.

3. A quick face capture to make sure


no one is pretending to be you
4. Complete your 3-minute Video KYC (VKYC) within the app.
Once KYC is approved, your digital savings account with
SBM Bank will be ready.

Checklist for VKYC:


Original PAN card with signature
Blank Paper and Pen

Approval time: It takes


up to 48 hours to know
the KYC approval status

Status tracking: You can track


the status within the app

Tap on Credit Card (bottom menu) > Card Settings

VKYC Timing:
9 am-9 pm: Monday to Friday
10 am-7 pm: Saturday, Sunday, and bank holidays

5. To order the Niyo SBM Credit Card,


go ahead and book a fixed deposit
of a minimum ₹5,000.
Once your FD is created, your Niyo SBM
Credit Card will be automatically ordered
and delivered to your Communication
Address within 3-5 days.

6. As soon as you get your card, set PIN to activate it


and start transacting
Credit Card > Card Settings > Set PIN

Set PIN
Niyo SBM Features

Your Niyo Credit Card and account will ensure savings both
in India and abroad!

Zero forex markup: Save 3-5% (in forex fees) on your


international transactions because, unlike other banks,
Niyo doesn’t charge any additional fee

Global acceptance: You can transact in 130+ currencies


in 180+ countries

High interest on savings: Earn an interest of up to 7%


p.a. on the fixed deposit linked to your credit card.

How to make the most


of your Niyo app?

Lounge Pass
You can enjoy one complimentary Lounge Pass
outside India per quarter when you spend ₹50,000
outside India (in card swipes and online transactions)
in a calendar quarter using a single Niyo card.

Rewards
Earn assured 10% Niyo Coins on domestic
spends made with Niyo Credit Card.

Invite your friends to Niyo and you both can


get Niyo Coins worth ₹250 for every
successful referral.

In-app purchases like flight bookings, visas,


travel insurance, etc. also award Niyo Coins.

eVisa Services
You can apply for eVisa through the app for
an entirely online process

Travel Insurance
You can secure your international trips with
Travel Insurance on the Niyo app and
manage your policy in-app.
Charges for Your Account

Your Niyo account is a zero-balance account


with zero forex markup* fee.

Card Order Charge


There is no charge for card order

Annual Maintenance Charge


There are no annual maintenance charges in the first year.

International ATM Withdrawal Charges


₹500 or 2.5% of the withdrawal amount (whichever is
higher) + GST for every ATM withdrawal.
The bank whose ATM you use may also charge a fee.

Enjoy 3 Free international ATM withdrawals per quarter!


Get the ATM fee back in the form of Niyo Coins

Got questions? We’re always here to help you. Connect with us


via 24×7 in-app chat support.

*VISA exchange rates apply

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