Plu vs Niyo (India): Free Card vs ₹5K AMB Debit
Side-by-side: Niyo's debit card on a partner Indian bank vs Plu's USDC-funded virtual Visa. AMB, lounge access, funding flexibility, and use cases.
| Feature | Plu | Niyo |
|---|---|---|
| Zero forex on global spend | Yes (0%) | Yes (0%) |
| Minimum balance / FD | ₹0 | ₹5,000 AMB |
| Indian bank account required | No | Yes (Equitas/SBM/DCB) |
| Funding with USDT or USDC | Yes | No |
| UPI funding | Yes | Yes |
| Lounge access (DXB) | No | Yes (Premium tier) |
| International ATM withdrawals | Limited | Free up to daily limit |
| Agent cards with hard limits | Yes | No |
| Best for | USD tools, AI agents, stablecoins | Travel, lounges, ATM |