Help Centre

Zero Forex Markup Credit Card 27

• What is a Secured Credit Card?
• What are the features that I get with the card?
• How do I get the Credit Card?
• Can I use the Credit Card to withdraw cash?
• What is the interest rate on my Fixed Deposit?

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SBM Credit Card Delivery 8

• Can this card be delivered overseas?
• How long does it take for the Niyo SBM credit card to deliver?
• Track your credit card delivery
• Which address does the credit card get delivered to?
• Is the credit card delivery safe?

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Account Details - SBM Credit Card 5

• Can I change my registered mobile number?
• Can I change my registered email ID?
• Can I change my communication address?
• Can I convert my purchases into EMI?
• Do I get reward points on my purchases?

Credit Limit - SBM Credit Card 6

• Why can't I increase my credit limit without creating a new FD?
• How do I check my credit limit?
• Can I increase my credit limit?
• Why do I need a Fixed Deposit to order a credit card?
• What happens to my Credit Card if I withdraw an FD?

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Domestic Transactions - SBM Credit Card 4

• Transaction limits of Credit Card
• How can I track the status of my transactions?
• How long does it take to get a refund, and how can I track it?
• Report Suspicious or Fraudulent transactions

International Transactions - SBM Credit Card 6

• How do I enable international transactions?
• What's the exchange rate used in international transactions?
• Which countries will Niyo SBM Credit Card not work in?
• What is TCS (Tax Collected at Source)?
• What are Foreign Exchange Adjustments (FX Adjustments)?

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Bill Payment - SBM Credit Card 13

• What is a Credit Card bill and when is it generated?
• What are the interest charges if I pay after the due date?
• What is my billing cycle? Can I change it?
• How can I check my monthly statements?
• What if I don't pay my total bill amount by the due date?

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Fixed Deposits - SBM Credit Card 11

• What is the minimum and maximum deposit to open an FD account?
• How many fixed deposits can I open?
• What will happen to my FD on maturity?
• Can I withdraw the FD before maturity?
• How can I withdraw the FD?

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Taxation of FD - SBM Credit Card 2

• What is the tax implication on FD?
• What is form 15G/15H for FD?

Charges - SBM Credit Card 5

• Are there any charges for ordering the physical credit card?
• Charges for re-ordering the Niyo SBM credit card?
• ATM Withdrawal Charges for the Credit Card
• Charges for using the Niyo SBM Credit Card
• Terms and Conditions for Niyo SBM Credit Card