India uses the Indian Rupee (INR) — cash is still king.
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India uses the Indian Rupee (INR).
In India, cash is still king. Foreign cards are accepted mainly at hotels, malls, and upscale restaurants — cash (rupees) is essential for markets, small vendors, and most local transport.
Exchange rates at airport kiosks are usually the worst available — a local ATM after you land almost always gets you a better rate, and a small amount of cash exchanged in advance is only worth it for late-night arrivals.
Always choose the local currency when a card terminal or ATM in India asks — "dynamic currency conversion" into your home currency almost always carries a worse exchange rate.
Banks and airport kiosks quietly add 3–7% to every exchange through worse rates and fees. A Wise account converts your money at the real mid-market rate, holds 40+ currencies, and comes with a card that works at ATMs and terminals in India like a local one — usually the cheapest way for travelers to spend abroad.
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