Exploring new lands, trying exotic cuisines and soaking in the rich culture is all part of the experience of travelling to India.

To make things easier, use this guide to compare the different travel money options available in India. Banks and ATMs are widely available in India, even surprisingly so in smaller villages. Much of India's economy, especially its informal economy, is still cash-based. It is vital that you are able to access cash and have cash on you while you travel in India.

This India travel money guide is intended to give you an idea of the most valuable and easiest ways to take, use and spend money in India and help you decide whether to use travel cards, debit cards or credit cards to access your cash while you are there. It depends on the length of your stay and whether you have champagne taste.

Its up to you. The Indian currency has grown in value relative to the Australian dollar over the past couple of years. This change represents an appreciation of about half a cent. Reduced fees for ATM withdrawals should be a factor in your comparison. Have a look at the different travel money products suited to use in India and how each product works on the subcontinent. At the time of writing there are no travel cards which allow you to preload Indian Rupees INR. Travel cards can be a convenient way to take control of your travel budget, withdraw funds and spend over the counter.

However, when you factor in the extra fees for loading, reloading and inactivity, there are better travel money options to take to India. If you plan to take a debit card to India, you should look for a debit card from a bank with a presence in the country. No Australian bank has partnerships with Indian banks where you can get cheap withdrawals.

However, Citibank is an international institution with a presence in both India and Australia. The Citibank Plus Transaction Account is the way to go. Credit cards are a good option for travel because they are accepted almost everywhere, have excellent security measures and some come with travel insurance a must when travelling through India as an included benefit when certain conditions - like paying for flights on the card - are met.

A credit card is a good option in addition to one of the other forms of travel money listed in this article. Travel with peace of mind and compare international travel insurance for India. Credit and debit card security measures and wide acceptance have made traveller's cheques redundant.

You should always have some cash on you, ideally some spending money in lower denominations in an easily accessible place, and a larger amount kept separately in a hidden place.

This goes without saying if you are trekking, staying in very small villages or are just off the tourist trail. Even in big cities, you will find that many services, attractions and just getting around will require you to use cash.

In big cities, towns and in many villages, banks and exchange offices will happily exchange foreign currency at a reasonable rate, and with a small commission, if any commission at all. Australian dollars are widely accepted, but American dollars tend to be more accepted in small towns and villages.

Be aware of the exchange rate before you change foreign currency to avoid being ripped off. It helps if you can access online rates before you exchange your cash so you can give yourself a rough idea of how much you should get. Unfortunately, bringing Indian rupee in or taking the currency out of the country is prohibited.

As such, you'll either want to take Australian dollars in cash and exchange it when you arrive in India or use an ATM withdrawal to withdraw your cash in rupees. Jane spent just under two months travelling throughout India.

She started in the north making her way from New Delhi to Uttar Pradesh so she could visit the Taj Mahal and the city of Varanasi, the spiritual capital of India. She finished her trip relaxing on the beaches of Goa. Jane used ATMs inside banks whenever possible.

She says some machines took up to 1 minute to process the transaction. American Express cards can be used in high end retailers and businesses only. While the Commbank was handy, the fuss of getting to an internet cafe to reload every so often was something she could have done without.

The money used in India is called the Indian Rupee INR. It comes in denominations of 5, 10, 20, 50,and 1, notes and 1, 2, 5 and 10 coins. Officially, the Rupee is divided into paise, but usage is rare and sinceonly the 50 paise coin is used as legal tender. There is no restriction to the amount of foreign currency you can bring with you.

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A debit card and credit card combination will give you the best results, you may also want to bring some Aussie dollars as backup cash — you can get this changed easily enough for a competitive price. Atms are widely available in India, and you should have no trouble finding one under reasonable circumstances. Limits vary depending on the machine. India has enchanted travellers for centuries.

India presents a unique set of risks to travellers, which is why you must consider is travel insurance. Travel insurance is invaluable travelling companion on your next Indian holiday and protects holiday makes against situations such as:. Enter a valid email address Sign up to our travel newsletter. India is a country that on one hand nourishes its traditions, and on the other struggles against them. No mistaking it, during the last 20 years India has changed at an alarming rate. It is a country so dense, so stimulating to the senses and impulses that the first visit to India can be shock to even the most road-hardened traveller.

All the information you need to take the right travel money to Indonesia so you can save some dollars. Find out about the ins and outs about taking and using money in Budapest and Hungary so you can enjoy the rich culture without being ripped off. Disclaimer - Hive Empire Pty Ltd trading forex trading during holidays finder. Please refer to our FSG - Financial Products.

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ABN 51 AFSL for the provision of general insurance products. Please refer to our FSG - General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision.

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By signing up, you agree to the finder. India Rates and fees last updated on 21 June Discover how you can turn your Aussie dollars into rupee to pay your way through India.

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Interested Points About Travel Money Guide: Up to 55 days interest free. Go to Bankwest's website More info. Rates last updated June 21st, Name Product Product Description How a graphic designer earn money Currency Conversion Fee MC Foreign Currency Conversion Fee VISA Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Bankwest Zero Platinum Mastercard.

Go to site More info. Bankwest Qantas Platinum Mastercard. Enjoy a high credit limit with complimentary travel insurances and earn 0. Bankwest Qantas World Mastercard. Compare up to 4 providers Clear selection. George Complete Freedom Account.

International transaction fee still applies. Bank of Melbourne Express Freedom. Bankwest Qantas Transaction Account. Third party ATM fees and international transaction fees may still apply.

Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee ANZ Travel Card AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD AUD 3. George Global Currency Card AUD, HKD, USD, SGD, GBP, JPY, EUR, THB, NZD, ZAR, CAD AUD 2. Can I take Indian rupee out of India? Jane's Indian sabbatical Jane spent just under two months travelling throughout India. What cards did you take with you?

Commonwealth Bank Travel Money Card 28 Degrees Platinum Mastercard Why did you take these cards? Jane says she wanted a dedicated travel account to use in India, and the Commonwealth Bank travel money card was an obvious option.

She used this card to pay for larger expenses on her trip such as bookings or flights. What about using ATMs? What travel money tips do you have for India? Jane gives the following advice about using money in India. Compared to locals, tourists are frequently charged higher prices for goods in India. Get used to it. That being said, don't be afraid to bargain.

Sellers will never expect you to take the first offer they give. Bargaining is a part of the culture in India so don't be shy, but don't take it too seriously, either. If you can't get the price down to around something you are willing to pay, be courteous, say, "No, thank you" and walk away. Chances are the offer will go even lower. If you agree to a price make sure you are happy with it because once you agree on a price, you're obliged to pay it.

Made a search before? Retrieve your search results Show quote. Where are you travelling to? When are you travelling? The date your trip commences, generally the date of your first flight. The date your trip concludes, generally the date of your last flight.

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Money2india Money Transfers Find out more about Money2India — one of the most popular services for sending money to India. Indonesia All the information you need to take the right travel money to Indonesia so you can save some dollars.

Hungary Find out about the ins and outs about taking and using money in Budapest and Hungary so you can enjoy the rich culture without being ripped off. Peru We have some inside information on how to get the most out of your money in Peru. Bankwest Zero Platinum Mastercard. Unlimited free withdrawals at St. George, Westpac and BankSA ATMs.

Go to site More. Unlimited free withdrawals at BankSA, St. George, Westpac and Bank of Melbourne ATMs. Unlimited Free withdrawals at Bankwest and CommBank ATMs in Australia. George, Westpac, Bank of Melbourne and BankSA ATMs. Qantas Card with Qantas Cash. George Global Currency Card. Westpac Global Currency Card. In one of Delhi or Mumbai's famed culinary establishments. A meal in a mid-range restaurant. From the street stalls always make sure it's hot and has just been cooked or munch a thali in a roadside dhaba.

Travel in luxury with an Indian based tours company marketed towards the high rollers. All inclusive tours include a driver, luxury hotel, meals, and day trips to major tourist destinations. Ticket to an exhibition or a show. Even in big cities, museums, parks, temples and attractions are mostly for free. Sit on a ghat or on temple stairs and watch the strange and beautiful world go by. India has a selection of the most luxurious and expensive hotels in the world.

Staying in one of these establishments for a night is a luxury reserved for the ultra rich. In a basic guesthouse away from the hustle and bustle in the mountains, forest, in a small village or an ashram.

Direct access to your own money Widely accepted Come with PIN security and can be cancelled if your card is lost or stolen. No back-up option for lost or stolen cards May charge ATM transaction fee and currency conversion fees. Comes with a back-up to use, if the card is missing or stolen Not linked to your bank account Reloading money is easy via a secure online portal You can use your travel card to pay directly, or to draw out money from an ATM. Indian Rupees cannot be preloaded Some cards charge a fee every time you reload your card Waiting time for your transferred funds to be available to you can sometimes be up to six days.

Accepted everywhere Comes with built-in security measures and anti-fraud measures Features such as insurance or reward points earning. ATM cash withdrawals may attract cash advances and higher fees. Can be costly with initial purchase charges Not all merchants accept traveller's cheques.

Greater payment flexibility Convenience. More difficult to manage expenses Higher risk of theft.