DizzyBurrito

Best way to make transactions in abroad?

Hi Folks,

I will be travelling to the US in September end. I want some suggestions on how anyone who has been there makes their transactions. Do you use credit cards from your Indian banks, debit cards, or something like Niyo Global? To be honest, I have heard negative reviews of Niyo Global and how it has been shut down now. Can someone confirm this? Also, what could be the best way to make payments there? Thanks.

8mo ago

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GoofyWalrus

Atlan8mo

I take 3 cards and some cash for backup:

Scapia
FI Debit card
Traditional forex card by a bank

First 2 are 0 forex and the third one is a backup option which just works even if it is a bit costly. Hard cash is anyway OG

GroovyBoba

X (formerly Twitter)8mo

Get a multi currency forex card. You will face no issues.

CosmicQuokka

Paralleldots8mo

Don't rely on niyo global it can be hit or miss. Avoid prepaid multi currency forex cards.

the best way is what's easily available to you, assuming it'll be cash as one might not want to go the extra mile.

Hypothetical best would be a combination of debit card like indusind exclusive (0 forex surcharge) and credit card like hdfc infina (nett 1% rewards after deducting forex fees), use NFC payments charge in USD.

PerkyNoodle

Gojek8mo

Niyo isn't shut down. The partner bank SBM faced some scrutiny. So now they've switched to DCB bank. The app and product is still operational. I've heard people still use it abroad and it still works.

JazzyKoala

Ericsson8mo

Take usd for personal expenses and shopping. Assumption that you are on official trip.

QuirkyBiscuit

Stealth8mo

Angadia 🥹

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