We have tied up with Utkarsh Small Finance Bank to provide you with a Savings Account with some great features. We offer two Debit Cards:


1. RuPay International Classic Debit Card:

  • Zero balance Account

  • Upto 7.75% p.a. interest rate

  • Complete control over Debit Card limits and locks

  • High acceptance rate across merchants

  • Zero Liability coverage of up to Rs. 2 lakhs


Debit Card Issuance and Annual Fee: Rs. 250 + GST


2. RuPay International Platinum Debit Card:


The Platinum Debit Card have the same benefits as the Classic Debit Card, plus:

  • Free airport lounge access at domestic airports or Free railway lounge access at select stations (one per quarter)

  • Accidental death and permanent disability coverage of Rs. 2 lakh

  • Exclusive merchant offers

  • Zero Liability coverage of up to Rs. 3 lakhs


Debit Card Issuance and Annual Fees: Rs. 300 + GST


You also get these additional benefits on the NiyoX app:

  • Invest in mutual funds

  • Track your EPFs

  • Cashback offers


There’s a lot more coming up. We’re already working on bringing in many more features!