New Delhi, June 17,2025: Niyo, India’s leading travel banking fintech platform, has launched its latest digital campaign, ‘Spend Smart. Save Smart, aimed at Indian students pursuing higher education overseas.
India’s global student community is expanding rapidly, with over 1.8 million students studying abroad in 2025, according to the Ministry of External Affairs (MEA), a significant jump from 1.3 million just two years ago. As international education becomes more accessible, so do the financial responsibilities that accompany it, ranging from tuition fees to daily living expenses in foreign currencies.
At the heart of the campaign are two core offerings: a zero forex markup card and fee-free international money transfers. These solutions eliminate hidden charges, zero SWIFT fees, zero platform fees, and zero forex charges, including no currency conversion markups. Together, they empower students to save annually up to INR 2 lakh on international spend, whether it’s paying university fees, covering rent, or managing daily expenses.
“For many Indian families, studying abroad is a life-changing investment. Yet, few realise how much gets lost in silent charges. Through this campaign, we are not just offering features, we are giving students the power to make every rupee go further,” said Smriti Advani, VP – Brand Marketing, Niyo.
Students can save significantly on international spending, potentially up to 5% on every transaction, depending on their spending habits and destination. These savings come without compromise. Niyo’s cards are accepted in 180+ countries and across 2,000+ global universities, already trusted by more than 5 lakh Indian students.
The campaign goes beyond functional benefits. It’s rooted in the idea that global readiness isn’t just about academics, it’s about financial confidence. As Gen Z steps into adulthood, they demand more control, more clarity, and more value from the tools they use, especially when studying abroad.
“This generation doesn’t want to be sold to, they want proof, real stories, and real savings. ‘Spend Smart. Save Smart.’ is built for them, informed, intentional, and unapologetically smart,” Advani added.
The campaign adopts a digital-first distribution strategy, leveraging high-impact platforms like JioHotstar, SonyLIV, YouTube, and Instagram to engage Gen Z students and their parents. This approach is rooted in audience behaviour, 89% of Gen Z social media users are active on Instagram and 84% on YouTube, making these channels critical touchpoints. While the creative storytelling captures relatable student experiences and money wins to connect with digital natives, platforms like JioHotstar and SonyLIV are strategically used to reach parents, who often drive or influence key financial decisions in their children’s education journey.
With this initiative, Niyo reaffirms its commitment to enabling smart financial choices for India’s global student community, ensuring they can spend smart and save smart, no matter where in the world they are. Niyo is helping young Indians become not only smart spenders but also financially responsible global citizens.
Video Link: https://www.youtube.com/playlist?list=PL-goN_p6OpDH1fZp-fHKSF-onB6x4RkYH
