The main difference between the Niyo Global card and other forex cards is that there are no forex markup charges on transactions made through our cards. Usually, when you make any transactions abroad, you will be charged a markup of about 3.5% over the current forex rates. However, there are no such extra charges with us. You can load your money in Indian rupees and use our card in over 150 countries. You also earn an interest of upto 7% on your balance here as this is a savings account.