MUMBAI: Passport? Check. Luggage? Check. Forex card… still stuck in the mail? Not anymore. India’s travel fintech disruptor Niyo has just rolled out Niyo Express, a 24-hour doorstep delivery service for its international debit card and it’s aimed squarely at last-minute jet-setters. For those who treat travel plans like pop quizzes, this might just be the perfect lifeline.
Available across Delhi NCR, Mumbai, Pune, and Bengaluru, Niyo Express promises to swoop in and save the day getting a Niyo DCB Debit Card into travellers’ hands within 24 hours, complete with doorstep KYC, account setup, and card activation. And for now, it’s completely free.
This rapid-response rollout isn’t random. Niyo dug deep into shifting travel behaviours and found that 48 per cent of flight bookings in 2024 were made just 0–7 days before departure, with over 41 per cent of international travellers leaning toward visa-free destinations to accommodate spontaneous trips. So, in a world of impulsive getaways, delayed cards and sky-high forex rates were becoming all-too-familiar travel tantrums.
Leisure getaways account for nearly 40 per cent of last-minute trips, while work travel and family emergencies make up a significant chunk too, according to Niyo’s pre-launch survey. The result? Travellers often end up paying steep forex rates or relying on patchy currency fixes from local agents or WhatsApp groups.
Niyo Co-founder and CEO Vinay Bagri said, “As international travel continues to rise, particularly among first-time travellers, and with the growing accessibility of visa-free destinations, impromptu travel plans have become more common than ever. Coupled with India’s thriving quick-commerce culture, it’s clear that the needs of today’s travellers are evolving rapidly. With Niyo Express, we are redefining travel banking by offering fast, seamless solutions that cater to these changing demands, ensuring our customers have access to the financial tools they need, when they need them.”
By merging fintech agility with the urgency of travel, Niyo Express is giving travellers one less thing to panic about now you can pack late and swipe early. The brand plans to expand the service beyond its current metros, meaning last-minute might just become the new first-class.



