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Why use SMB, FI, IndusInd signature, or pioneer debit card when you have wow idfc CC with 0 Fx charge?

  • Thread starter Thread starter NeerajNegi
  • Start date Start date
  • Replies Replies 33
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NeerajNegi

NeerajNegi

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Any reason to use these debit cards when you don't get rewards even if you get are with cap?

I don't know if people even use a Reserve card for fx when they travel abroad. I find out niyo card really best not a single transaction decline throughout 3 months of travel.
BUt no rewards I feel sad
 
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To withdraw cash. I have saved a ton of money converting INR to CAD using the NIYO debit card. For everything else, yeah, a 0 forex CC makes sense.
 
xiddy said:
To withdraw cash. I have saved a ton of money converting INR to CAD using the NIYO debit card. For everything else, yeah, a 0 forex CC makes sense.
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In 3 Months I never withdraw any money 🙂 only one time to just see how the euro looks like and other currencies hahaha
Everywhere credit and debit card was accepted, Good to have niyo card btw as a backup but a reward card is must with 0 forex
 
NeerajNegi said:
In 3 Months I never withdraw any money 🙂 only one time to just see how the euro looks like and other currencies hahaha
Everywhere credit and debit card was accepted, Good to have niyo card btw as a backup but a reward card is must with 0 forex
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I never used any cash abroad either. But I had set up a bank account in Canada and was transferring money to it in that way.
 
anirban.choudhury said:
Without cash it’s difficult to street shop in any country
You mis out on the on spot cash discount , and in places like Al-seef in Dubai you get extra charged for DC/CC sometimes as high as 5 dirham
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Which country? I did street shopping too in Europe for many gifts not a single place without card swipe even a waffle shop was having swipe machine.
But yeah for some donation like street performance I took some cash with me or for like candy may be or for painkiller if you taking only 1-2.

I agree may be you have different experience in dubai 🙂
 
NeerajNegi said:
Any reason to use these debit cards when you don't get rewards even if you get are with cap?

I don't know if people even use a Reserve card for fx when they travel abroad. I find out niyo card really best not a single transaction decline throughout 3 months of travel.
BUt no rewards I feel sad
Click to expand...
International transaction has been disabled in Niyo SBM debit cards. How are you still using it for international transactions? Only SBM credit cards are working for international transactions.
 
Strange said:
International transaction has been disabled in Niyo SBM debit cards. How are you still using it for international transactions? Only SBM credit cards are working for international transactions.
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yeah ...many issues of them with RBI...closed acc yesterday...will try to get pinnacle and exclusive 0 balance acc from indusind bank whose dc has 0 markup fees 🙂
 
NeerajNegi said:
Any reason to use these debit cards when you don't get rewards even if you get are with cap?

I don't know if people even use a Reserve card for fx when they travel abroad. I find out niyo card really best not a single transaction decline throughout 3 months of travel.
BUt no rewards I feel sad
Click to expand...
RBL world safari has 0 forex and is unsecured
 
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