Can I use my UK credit card in India?

Yes, you should be fine to use your UK credit card in India. As you'll be spending in Indian rupees during your trip, you'll just need to check whether your UK credit card charges any foreign currency transaction fees (also known as non-sterling transaction fees).

Can we use UK credit cards in India?

Can you use your credit card abroad? If you have an HSBC credit card or debit card, you can use these while you're away – in the same way you would at home. Keep in mind – fees may apply when using your card outside the UK.

Can I use my UK credit card abroad?

Your credit card provider will use a conversion rate offered by Visa, Mastercard or American Express. This will usually be better than the rate you would get from the retailer or ATM. Expect a small non-sterling transaction fee for your purchases. If you're withdrawing cash, a cash transaction fee may apply.

Does my credit card work in India?

Are U.S. credit cards widely accepted in India? Credit cards are accepted in India, especially in large cities like Mumbai and Delhi. Visa® and Mastercard® are the most widely accepted credit card networks.

How do I avoid 3% foreign transaction fee?

How to Use Credit Cards Wisely | The 6 Golden Rules

How to not pay international fees?

You can also avoid foreign transaction fees by making purchases online only with international merchants that work with U.S. credit cards and accept U.S. dollars. When shopping online, make sure that their business is based in the U.S. or that they accept a range of payment options that include U.S. currency.

Do credit cards automatically convert currency?

Do credit cards automatically convert currency? When you use your credit card for an international purchase, many credit card networks automatically convert foreign currencies to U.S. dollars and incorporate the exchange rate. If that's the case, your credit card statement should reflect the amount in U.S. dollars.

How do tourists pay in India?

UPI One World – A Simple Way for Foreigners and NRIs to Pay in India. UPI One World is a safe and easy digital wallet for NRIs and foreign tourists visiting India. It helps users pay at shops, hotels, and more using Indian Rupees without needing cash or currency exchange.

Why is India not accepting international credit cards?

If you are having an internationally enabled credit card, you are not allowed to make international transactions under RBI regulations, i.e. FEMA or Foreign Exchange Management Act, 1999. As a result, this has created a great impact on the operations of international and domestic websites.

Is it good to use a credit card in India?

Using a Credit Card and repaying on time provides a boost to your credit score. A good credit score means you will be able to obtain Loans and Credit Cards quickly in the future. It's one of the Credit Card benefits cash or cheques cannot offer!

Which credit card has no international transaction fee?

Best Credit Cards With No Foreign Transaction Fee of August 2025. Discover it® Cash Back: Best feature: Cash back on everyday purchases. Hilton Honors American Express Card: Best feature: Hilton hotel rewards. The New United Gateway℠ Card: Best feature: United Airlines rewards.

What happens if I use my credit card internationally?

When you are traveling in a foreign country, your credit card purchases may incur foreign transaction fees. A foreign transaction fee is an extra charge from your credit card issuer that equals a percentage of every transaction you make abroad.

Do I need cash in India?

Many hotels, upmarket restaurants, and shops allow you to pay by credit card. Smaller sellers only accept cash, so it's best to keep some rupee as a backup option. The most widely accepted cards In India are MasterCard and Visa. American Express is generally accepted by major hotels and restaurants.

Which card is best to use in India?

Visa and Mastercard are the most commonly accepted cards in India, and it is not advisable to bring an American Express card as they are rarely accepted. Think no foreign transaction fees.

Can I use my UK Chase card in India?

You can use your Chase card to pay for things or withdraw cash outside the UK (cash withdrawal limits apply). We don't charge fees when you use your card abroad and we'll apply the current Mastercard exchange rate to any purchases you make in the local currency.

Which is the best international credit card in India?

The HDFC Bank Infinia Credit Card, Axis Bank ATLAS Credit Card and the SBI ELITE Card are considered one of the best for international travel from India. For cost-conscious travellers, the RBL Bank World Safari Credit Card, with its 0% forex markup fee, is an excellent choice.

Why is Mastercard not accepted in India?

In India, major players are VISA, Mastercard, American Express and India based Rupay card. From July 20, 2021 RBI banned Mastercard from issuing debit and credit cards in India. Mastercard stored the local data on outside servers and did not erase data of Indian transactions within 24 hours as mandated.

What country does not allow credit cards?

Can foreigners use GPay in India?

Can I Use My International Google Wallet in India? Unfortunately, you generally cannot use your international Google Wallet to make UPI payments through GPay in India. GPay requires an Indian bank account and phone number, which most travelers and NRIs don't have.

Should I exchange money before I travel to India?

If you're visiting India, you can bring cash, travellers cheques (in British pounds or another foreign currency) or a bank card with you and exchange or withdraw rupees in India. You must declare any amount above 5,000 US dollars in notes, or 10,000 US dollars in notes and travellers cheques combined.

How to pay in India with a credit card?

Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number on the back of your card). Sometimes, you may be asked for the billing address too. When you submit this information, you will receive an OTP or one-time password on your registered mobile number or email address.

Is it better to get foreign currency or use a credit card?

Our advice? Use a credit card with no foreign transaction fee when possible. Or get your cash as local currency from a local ATM when abroad or from your bank before your trip. If you do decide to use a currency exchange, do your research and assess the exchange rate and other fees beforehand.

Which credit card is best for travel?

What currency does Germany use?

The currency in Germany is the euro. Each euro is divided into 100 cents. When you're buying currency for Germany, look out for the currency code EUR. And once you're in Germany, you'll see the symbol € used to show prices.