All cards / SBM Bank India (Niyo)
SBM Bank India (Niyo)
Niyo SBM Credit Card
RuPay
Niyo SBM Credit Card
Where Niyo Global targets international travelers, this domestic RuPay variant issued via SBM Bank India is a plain, no-fee card for everyday Indian spending and UPI use — a simpler complement for Niyo customers who don't need the forex-markup waiver.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛍️ Shopping
1.5% reward rate
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–58
Benefits
- Domestic-focused RuPay credit card complementing Niyo's zero-forex-markup Niyo Global product for customers who mostly spend within India
- RuPay credit-on-UPI enabled for everyday scan-and-pay use
Pros
- + No joining or annual fees
- + RuPay credit-on-UPI support for scan-and-pay
- + Simple, app-first management via the Niyo app
Cons
- − No forex benefit, unlike the Niyo Global variant
- − Modest reward rate with no bonus categories of note
- − No lounge access or travel perks
Best for