India rewards travelers who come prepared with a money plan. Cash still rules in many places, digital payments are everywhere in cities, and prices for tourists can swing widely. Here’s how to handle it all.
Cash and cards
Carry small-denomination rupee notes for rickshaws, tips and street vendors — change can be scarce. Cards work in hotels, malls and nicer restaurants; UPI dominates locally but usually needs an Indian account. Use bank ATMs and decline currency conversion at the machine.
Tipping in India
Tipping (baksheesh) is common: round up for drivers, tip restaurant staff modestly, and small amounts for porters and help. See our global tipping cheat sheet for context.
Know the fair price
From auto-rickshaw fares to market goods, knowing the rupee price in your own currency helps you spot inflation instantly. Currencies converts on the spot and offline, so you negotiate fares and purchases without doing rupee math under pressure.
Avoiding scams
Agree rickshaw fares before riding (or use ride-hailing apps), be cautious of “your hotel is closed” detours, and count change carefully.
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Frequently asked questions
Should I tip in India?
Yes, modestly — round up for drivers and tip restaurant and hotel staff small amounts.
Is cash or card better in India?
Carry cash for small vendors and transport; use cards at larger venues. Decline ATM currency conversion.
How do I avoid overpaying for rickshaws?
Agree the fare first or use ride-hailing apps, and convert quotes to your currency to judge them.