{"id":458989,"date":"2022-07-25T17:28:56","date_gmt":"2022-07-25T16:28:56","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=458989"},"modified":"2026-05-11T02:27:44","modified_gmt":"2026-05-11T01:27:44","slug":"india","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/travel-money\/india","title":{"rendered":"Best ways to spend travel money in India"},"content":{"rendered":"<p>You\u2019ll be able to spend on your credit or debit card in many places in India and banks and ATMs are widely available, even in smaller villages. That said, plastic won\u2019t be accepted everywhere so it\u2019s wise to also take some cash with you. This will also come in handy for taxi fares and markets.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>In India the currency is the rupee.<\/li>\n          <li>You can withdraw cash from ATMs, though most of them charge a fee.<\/li>\n          <li>Choose a debit card with low fees (or no fees) for travel from <a href=\"#top-picks\">our top picks<\/a>.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3 id=\"top-picks\">Low\u2013cost travel money options for India<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Low fees + sign-up bonus\",\"TopPicksData_providerLabel\":\"Revolut\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"No overseas fees card \\u0026 budgeting\",\"TopPicksData_providerLabel\":\"Monzo\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"No FX fees\",\"TopPicksData_providerLabel\":\"Wise\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":3}];\n<\/script>\n\n\n  <div id=\"toppicks\" class=\"topPicks rewards--container topPicksF1\" data-count-items=\"3\" data-desktop-count=\"3\" data-niche=\"UKFTM\" data-rewards-component=\"top-picks\">\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Low fees + sign-up bonus<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" class=\"topPicks__image\" alt=\"Revolut logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/revoluttravelmoney-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224ddde83d-92a3-41cb-a518-97352f192ba8%22%2C%22product_name%22%3A%22Revolut%2B%22%2C%22provider_id%22%3A%22d6fc0821-41db-4faa-a3ab-cd9184210ad9%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2221270%22%2C%22post_id%22%3A%22458989%22%2C%22post_path%22%3A%22travel-money%252Findia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">\u00a320 welcome bonus<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Pay like a local with excellent exchange rates<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Send money in 29 currencies<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Cashback on hotel bookings<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No overseas fees card &amp; budgeting<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" class=\"topPicks__image\" alt=\"Monzo logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/monzo-travel-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%224b7deca5-4152-460d-bd12-4d0074d34d61%22%2C%22product_name%22%3A%22Monzo%22%2C%22provider_id%22%3A%22571d60cb-7ae7-4360-858d-d999e56e35a5%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2225676%22%2C%22post_id%22%3A%22458989%22%2C%22post_path%22%3A%22travel-money%252Findia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">Earn interest on your holiday money with a savings pot<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Make fee-free cash withdrawals<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Spend abroad with no fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Split costs with friends in seconds<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No FX fees<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                                  <div class=\"topPicks__badgeRow\">\n                                          <p class=\"topPicks__lozenge topPicks__lozenge--promoted\"><span>Promoted<\/span><\/p>\n                                        \n                  <\/div>\n                \n                <div class=\"topPicks__nameRow topPicks__nameRow--empty\">\n                                  <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" class=\"topPicks__image\" alt=\"Wise logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/wise-multucyrrency-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22product_id%22%3A%22bf57b237-53f7-4885-adc9-f9fb9275c9b7%22%2C%22product_name%22%3A%22Wise%2BMulti-currency%2BAccount%22%2C%22provider_id%22%3A%2223bc3143-484a-4e3e-ae68-28e0f4ccea79%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2225128%22%2C%22post_id%22%3A%22458989%22%2C%22post_path%22%3A%22travel-money%252Findia%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\">T&amp;Cs apply<\/p>\n                                  <\/div>\n\n                \n                                <div class=\"topPicks__offerRow\">\n                                      <div class=\"topPicks__offer\">\n                      <svg class=\"topPicks__offerIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #1dd751\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#gift\"><\/use><\/svg>\n                      <span class=\"topPicks__offerText\">More than 150 countries<\/span>\n                                          <\/div>\n                                  <\/div>\n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Open an account in minutes<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Use in more than 150 countries<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>2 free cash withdrawals per month<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n    <div class=\"luna-accordion\" data-accordion=\"accordion\">\n        <div class=\"luna-accordion__summary\">\n            <h4 class=\"luna-accordion__heading\">\n                <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000001\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000001\">\n                    <span class=\"luna-accordion__title\">How we chose these accounts<\/span>\n                    <svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n                        <use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n                        <use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n                    <\/svg>\n                <\/button>\n            <\/h4>\n        <\/div>\n        <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000001\" data-accordion=\"details\" style=\"height: 0px;\">\n            <div class=\"accordionContent\">The accounts shown above are promoted picks. If we show a \"Promoted for\" pick, this means it's been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best fit for you, and it's important to compare for yourself to find a product that works for you.<\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h4>UK debit cards<\/h4><p>Using a debit card is a quick and convenient way to pay for purchases in shops and restaurants. It also gives you the option of being able to withdraw cash whenever you need it. However, you\u2019ll need to watch out for foreign usage fees.<\/p><p>Many debit cards will charge a foreign transaction fee of between 2.75% and 2.99% every time you make a purchase. If you withdraw cash, a further fee of around 2\u20132.75% will be charged on top. That means if you withdrew \u00a3100, you could be charged around \u00a35.74 (\u00a32.99 + \u00a32.75). <\/p><p>For this reason, you should look for a debit card that won\u2019t charge foreign usage fees.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Easy to pay for items in shops and restaurants<\/li>\n                                    <li>Can also withdraw cash from ATMs<\/li>\n                                    <li>Safer than carrying around a lot of cash<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Some debit cards charge high foreign usage fees<\/li>\n                                    <li>Not accepted everywhere<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h4>Prepaid travel cards<\/h4><p>Prepaid travel cards can be loaded with foreign currency before you set off on holiday, letting you lock in a set exchange rate. Unfortunately, not many prepaid cards allow you to preload Indian rupees.<\/p><p>Another option is to load your prepaid card with pounds and this will then be exchanged into rupees when you spend. Prepaid card providers use the interbank exchange rate or Mastercard or Visa\u2019s exchange rate. In some cases, they might apply a fee on top. <\/p><p>Prepaid travel cards can be a good option for budgeting as you can only spend what\u2019s on the card. You\u2019ll need to top up again if you need more funds. <\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Can help with budgeting<\/li>\n                                    <li>Not connected to your bank account if your card is stolen<\/li>\n                                    <li>Some won\u2019t charge foreign usage fees<\/li>\n                                    <li>Many don\u2019t require a credit check<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Won\u2019t be accepted everywhere, for example, car hire firms and petrol stations<\/li>\n                                    <li>Fees can apply for topping up your card or being sent a replacement<\/li>\n                                    <li>Some ATMs may charge a fee<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h4>Credit cards<\/h4><p>A credit card can also be a convenient way to pay in shops and restaurants. Plus, all purchases costing more than \u00a3100 and up to \u00a330,000 will be protected under Section 75 of the Consumer Credit Act.<\/p><p>The downside is that you may have to pay interest if you don\u2019t clear your balance each month and foreign usage fees can be high. You may have to pay a fee of around 2.99% for foreign transactions and if you withdraw cash, a further cash advance fee will apply. This means it\u2019s best to look for a credit card that won\u2019t charge these fees.<\/p><p>That said, it\u2019s best not to use your credit card for cash withdrawals at all, even if it doesn\u2019t charge a fee. That\u2019s because interest will be charged from the date of the transaction, even if you pay off your balance in full that month.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Widely accepted<\/li>\n                                    <li>Section 75 protection<\/li>\n                                    <li>Safer than carrying around cash<\/li>\n                                    <li>Access to funds up to your credit limit<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Foreign usage fees can apply<\/li>\n                                    <li>Interest may be charged if you don\u2019t clear your balance<\/li>\n                                    <li>Expensive for cash withdrawals<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h4>Traveller\u2019s cheques<\/h4><p>Traveller\u2019s cheques are no longer as popular as they once were, but you can still use them in India. However, you\u2019ll need to watch out for high fees for cashing them in, so make sure you shop around and compare options. <\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Safer than carrying cash<\/li>\n                                    <li>Widely accepted<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Can be costly to cash in<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"howmuch\">How many rupees do I need to bring to India?<\/h3><p>High season premiums will add to the cost of your Indian summer, but the cost of living and travel varies depending on where you are in the country. Off-season, prices drop dramatically.<\/p><h4>Find out some typical prices in New Delhi, India<\/h4><table class=\"custom-table js-custom-table\" style=\"height: 393px;\" width=\"697\"><thead><tr><th><\/th><th style=\"text-align: center;\"><b>Budget<\/b><\/th><th style=\"text-align: center;\">Mid-range<\/th><th style=\"text-align: center;\">Expensive<\/th><\/tr><\/thead><tbody><tr><td><img decoding=\"async\" class=\"wp-image-205585 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png\" alt=\"bldg\" width=\"82\" height=\"84\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/bldg.png?fit=246 246w\" sizes=\"(max-width: 246px) 100vw, 246px\" loading=\"lazy\"><\/td><td><p style=\"text-align: center;\">Hostel or dorm<\/p><p style=\"text-align: center;\">\u00a310\u2013\u00a315 per night<\/p><\/td><td style=\"text-align: center;\">3-star hotel in New Delhi<br>\u00a320\u2013\u00a355 per night<\/td><td style=\"text-align: center;\">5-star hotel in New Delhi<br>\u00a370\u2013\u00a3200+<\/td><\/tr><tr><td><img decoding=\"async\" class=\"wp-image-205583 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png\" alt=\"utensil\" width=\"91\" height=\"89\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/utensil.png?fit=273 273w\" sizes=\"(max-width: 273px) 100vw, 273px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Pani puri (street food)<br>50p<\/td><td style=\"text-align: center;\">Dinner for 2 at a casual restaurant<br>\u00a310\u2013\u00a315<\/td><td style=\"text-align: center;\">Fine dining<br>\u00a37\u2013\u00a315 per dish<\/td><\/tr><tr><td><img decoding=\"async\" class=\" wp-image-205587 aligncenter\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png\" alt=\"camera\" width=\"86\" height=\"92\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/camera.png?fit=258 258w\" sizes=\"(max-width: 258px) 100vw, 258px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Explore markets<br>for free!<\/td><td style=\"text-align: center;\">Visit the Red Fort<br>70p per person<\/td><td style=\"text-align: center;\">Day trip to the Taj Mahal<br>\u00a320\u2013\u00a340<\/td><\/tr><\/tbody><\/table><p><sub>*Prices are for example purposes only.<\/sub><\/p><h3 id=\"exchange\" dir=\"ltr\">Exchange rate history (GBP to INR)<\/h3><table class=\"custom-table js-custom-table\" dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th style=\"text-align: center;\">Year<\/th><th style=\"text-align: center;\">Average annual exchange British pound (GBP) to Indian rupee (INR)<\/th><\/tr><tr><td style=\"text-align: center;\">2020<\/td><td style=\"text-align: center;\">95.124<\/td><\/tr><tr><td style=\"text-align: center;\">2021<\/td><td style=\"text-align: center;\"><span>101.6955<\/span><\/td><\/tr><tr><td style=\"text-align: center;\">2022<\/td><td style=\"text-align: center;\"><span>97.0451<\/span><\/td><\/tr><tr><td style=\"text-align: center;\">2023<\/td><td style=\"text-align: center;\"><span>102.7164<\/span><\/td><\/tr><tr><td style=\"text-align: center;\">2024<\/td><td style=\"text-align: center;\"><span>105.2452<\/span><\/td><\/tr><\/tbody><\/table><p><sub>*2024 rate is the average up to 18 April 2024.<\/sub><\/p><h3>Bottom line<\/h3><p>There are a number of different options to explore when thinking about how to spend in India, so you\u2019ll need to consider which option is most convenient for you. If you\u2019d prefer to stick to a budget, you might prefer a prepaid card. But if you\u2019re happy to go with the flow, you might prefer a debit or credit card. Whichever option you choose, try to find one that charges low or no foreign usage fees and make sure you also take some cash with you so that you\u2019re covered for all events.<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What does dynamic currency conversion mean?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Dynamic currency conversion is when a retailer converts your purchase into pounds sterling rather than keeping it in the local currency. When this happens, the retailer will offer a poorer exchange rate and you\u2019ll pay more than you should for your purchase. If you\u2019re given the option of paying in the local currency or pounds sterling, always choose the local currency.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What is the Indian currency?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The official currency of India is the Indian rupee. 1 rupee consists of 100 paisa. Banknotes are issued in the denomination of 10, 20, 50, 100, 200, 500 and 2,000 and coins are in denominations of 1, 2, 5, 10 and 20 rupees.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article><div class=\"sources sources__f1\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000004\" data-toggle=\"collapse\" data-target=\"#sources_0000000004\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.exchangerates.org.uk\/GBP-INR-exchange-rate-history.html\" target=\"_blank\">Exchange Rates UK<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n  <\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the best ways to spend travel money in India.<\/p>\n","protected":false},"author":1047,"featured_media":459001,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Best ways to spend travel money in India","_yoast_wpseo_title":"Best ways to spend travel money in 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08:08:59\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to ensure the information is up to date and accessible.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[525],"tags":[],"asset_tag":[],"class_list":["post-458989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-money"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best ways to spend travel money in India<\/title>\n<meta name=\"description\" content=\"We explore the best options for spending money in India, including credit cards, debit cards and prepaid cards.\" \/>\n<meta name=\"robots\" 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