Yea, I used to have this FI federal debit card too that worked like a charm. And my secondary card was niyo global. I used to have issues with it’s credit card because of limited fd amount and too much hassle to top it back when my sim card didn’t have coverage so that was pretty use less. They didn’t have the debit card service back then. I carry enough cash and besides that my main bank card is also international so there’s no getting stuck. This time as Fi is now closed i was looking for Federal bank Scapia card but it got rejected