1 Niyo Coin is worth ₹0.10 in India.
₹0.10₹100 per 1,000 Coins, our house mark
₹0.10 · first marked 16 Aug 2026, never re-marked since
How we got this ₹ figure
₹0.10 is our HOUSE value for a Coin — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹0.10, the ceiling) and not the worst you can always fall back on (₹0.10, the floor). It is the number every route on this page is priced with.
We hold one dated point for Niyo Coins — the mark itself. There is no earlier valuation on our record, so this page shows no trend line rather than drawing one. How we value a point →
Which of my cards reach it? — 1 do
One card earns Niyo Coins outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
Niyo Global SBM Credit Card1.0%SBM Bank India (Niyo)A fixed-rate closed loop, priced by the program itself: "100 Niyo Coins equal ₹10 in value", i.e. ₹0.10 a coin, and the same ₹0.10 falls out of Niyo's own two worked examples ("2,500 Niyo Coins per referral — worth ₹250", "5,000 Niyo Coins worth ₹500"). Coins spend ONLY inside the Niyo app, against flight bookings and visa services, and only up to 75% of the ticket — Niyo's example is a ₹10,000 flight taking ₹7,500 of coins. No transfer partner, no airline or hotel programme, no statement credit, no cash-out. The value cannot move because the rate is nominal, so floor = value = ceiling.
Niyo Coins has held — we grade its nerf risk stable No tracker events on record for this program How we grade it →
Expiry: 12 months from accrual — "Niyo Coins are valid for maximum of 12 months from the date they are earned" (official)
No corridor on our board prices a seat in Niyo Coins against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
Straight answers
The questions people actually type about Niyo Coins — answered from the same data as everything above, with the same numbers.
What is 1 Niyo Coin worth in INR?
Our desk marks Niyo Coins at ₹0.10 a Coin — so 1,000 Coins are worth ₹100 and 10,000 are worth ₹1,000. That is the number every route on this page is priced with. The ₹0.10 floor is the redemption you can always fall back on; the ₹0.10 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 16 Aug 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn Niyo Coins?
1 Indian card earns Niyo Coins outright. Best-ranked earner: Niyo Global SBM Credit Card, at 1.0% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did Niyo Coins last devalue?
We hold no dated events for Niyo Coins at all — no devaluation, no buff, nothing sourced — and we will not fill that gap with a guess. The nerf-risk grade reads stable, which on a program with no logged history means untested rather than safe.
Verified against Niyo (cards issued by SBM Bank India)'s own documents on · our house ₹/Coin, ₹0.10 today
Not published , and we will not invent it: how long posting takes · its award terms — surcharges and the booking window.
Every document behind this page — 2 of them, each with the day we read it
- official Niyo prices its own coin — "100 Niyo Coins equal ₹10 in value" — and the same ₹0.10 falls out of both worked examples, 2,500 coins "worth ₹250" and 5,000 "worth ₹500".
- official Niyo's own explainer for where a coin can go — flights and visa services inside the app and nothing else, capped at 75% of a ticket. No partner, no statement credit, no cash-out.