Traveling from USA to India: 10 Payment Options Available

If you’re traveling from the USA to India, there are several payment options available for your transactions.

Most frequently used and recommended payment methods when traveling from USA to India:

(1) Credit Cards: Credit cards are highly accepted in India, particularly those provided by major networks such as Visa, Mastercard, American Express, and Discover. They are suitable for various purposes like hotel reservations, dining, shopping, and other transactions. To avoid any interruptions and to be aware of potential foreign transaction fees, it is recommended to inform your credit card issuer about your travel plans.

(2) Debit Cards: Debit cards associated with leading global networks such as Visa or Mastercard are usable in India. They facilitate both purchases and ATM withdrawals. It’s crucial to notify your bank of your travel itinerary and verify whether there are any foreign transaction charges or withdrawal restrictions.

(3) Forex Cards: Forex cards, also referred to as travel cards or currency cards, provide a convenient solution for international travel. These cards enable you to load Indian Rupees (INR) at a favorable exchange rate prior to your trip. With forex cards, you can make different transactions and withdraw cash in India. They offer enhanced security features and are widely accepted at merchant establishments and ATMs.

(4) Cash: It is recommended to carry a certain amount of Indian Rupees (INR) in cash for situations where card payments may not be accepted, like in remote areas or for small transactions. You have the option to exchange US dollars for Indian Rupees at banks, currency exchange offices, or authorized money changers.

(5) Mobile Payment Apps: In India, mobile payment apps such as Google Pay, PhonePe, and Paytm have gained popularity. These apps enable you to make payments using your smartphone by connecting it to your bank account or debit/credit card. They are widely accepted by a range of merchants, including small businesses, restaurants, and online platforms.

(6) Online Payment Platforms: For international transactions or money transfers, online payment platforms such as PayPal, TransferWise, or Payoneer are beneficial. These platforms provide secure online payment options and competitive exchange rates.

(7) Traveler’s Cheque: Despite a decline in popularity, traveler’s cheques are still accepted in India. Banks and currency exchange offices can convert them into Indian Rupees. However, their acceptance might be limited, and some banks may impose a commission fee for cashing them.

(8) Contactless Payment: Contactless payment methods, like Near Field Communication (NFC) or Quick Response (QR) codes, are becoming more common in numerous countries. If your debit or credit card has contactless capabilities, you can conveniently make payments by tapping the card on a contactless terminal or scanning QR codes using a mobile app.

(9) Prepaid Traveler’s Card: Some companies provide prepaid travel cards that are exclusively designed for international travel, in addition to forex cards. These cards are independent of your bank account and can be loaded with a specific amount in the desired currency. They offer the same level of convenience and security as forex cards, and can be used for ATM withdrawals and making purchases.

(10) Cryptocurrencies: Cryptocurrencies, such as Bitcoin and Ethereum, are slowly gaining acceptance as a payment method in select establishments. When traveling to a specific country, it is crucial to research and comprehend the regulations and acceptance of cryptocurrencies in that location.

It is crucial to exercise caution regarding security, monitor your transactions, and stay informed about any potential fees or charges when using any payment method. It is also recommended to have multiple payment options available to ensure convenience and flexibility during your journey.


Hi, I am Nikesh Mehta, owner and writer of this site. I’m an analytics professional and also love writing on finance and related industry. I’ve done online course in Financial Markets and Investment Strategy from Indian School of Business. I can be reached at [email protected].

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