travel money card indian rupees

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

The 5 best travel money cards for india in 2024.

India is a large and mesmerising country that is rarely seen in one visit. Australians love travelling to India for its delicious food, cultural sites and difference in lifestyles.

In India you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best cash cards for overseas travel in 2024 and have summarised their best points.

Best 5 Travel Money Cards for India in 2024:

• Wise Multi Currency Card for best exchange rates
• Revolut Travel Card as the best all rounder
• HSBC Global Everyday Debit Card for ATM cash withdrawals
• Bankwest Breeze Platinum Credit Card for lowest interest rate
• ING One Low Rate Credit Card with no annual fee

Wise Multi Currency Prepaid Card - Best Exchange Rates

Best features.

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Read our Wise Travel Card Review

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is an excellent option for those eager to experience India. It offers over 40 currencies at the intermarket exchange rate, which is the cheapest rate globally. In addition you can buy goods online from overseas with no transaction fee plus get the best exchange rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

HSBC Everyday Global Travel Card - Best Travel Card by Bank

• Great exchange rate offered for Indian rupee (INR)
• No fees at HSBC ATMs in India to withdraw rupee
• No initial card, closure, account keeping or monthly fees
• No cross currency conversion fees

HSBC Everyday Global Travel Card

• 10 Currencies can be loaded are USD, AUD, EUR, GBP, CAD, JPY, NZD, SGD, INR and CNY (currency restrictions on CNY)
• No maximum balance for any currency
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Debit Card is an excellent option to take travelling to India and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees.

HSBC has branches and ATMS is India so you can avoid the nasty numerous ATM fees. In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance
• Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout India.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in India.

ING One Low Rate Credit Card - No Annual Fee

• No annual fee
• Up to 45 days interest free on purchases
• Lowest cash advance interest rate of 11.99%
• Use instalment plans to pay off your purchases over time at a lower interest rate

ING One Low Rate Credit Card

• 11.99% interest rate on purchases
• Make payments from your mobile with pay with Apple Pay and Google Pay
• International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
• Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card is a great option to take to India as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through India.

Learn more about the best credit, debit and prepaid cards for travel

Credit Card

Best Prepaid Travel Cards

The best way to take holiday money to India is through a Wise Multi Currency card, which offers the best exchange rate for Indian rupee, a Citibank Plus Everyday or HSBC Global card for ATM withdrawals and the BankWest Platinum Breeze or ING One Low Rate cards for credit purchases.

No you shouldn't get Indian rupee before travelling to India, as non-residents are not allowed to bring or take Indian rupee in or out of India. It is considered a ‘closed currency’. Indian residents are allowed to bring in 25,000 Indian rupee into India, which is approximately $450.

Yes, the Wise Multi Currency card can be used in India and it offers the best exchange rate on the market and no international transaction fees. All other prepaid currency cards in Australia do not offer Indian rupee including Australia Post, Travelex, Travel Money Oz, Commonwealth bank, Westpac and Qantas.

You can use your Australian debit card in India and to avoid large fees we advise you to use the Citibank Plus Everyday or HSBC Global debit cards. You can use both debit cards in Australia and India at ATMs without paying 3 types of different ATM fees.

ATMs from Citibank , HSBC , SBI, Axis, HDFC, IDBI, ICICI, Kotak Mahindra and Yes Bank are all banks in India that accept international credit cards. Not all banks accept international cards so you need to look for the Mastercard or Visa logo at the ATM.

The maximum amount per withdrawal is 10,000 Indian rupee or roughly $180. The maximum daily withdrawal amount is 40,000 Indian rupee or roughly $720. It's important to withdraw as much as possible per ATM withdrawal in India to reduce the fees.

Yes you can use a Visa debit card in India wherever the Visa logo is shown. Be aware not all ATMs accept international cards, so you need to look for the Visa logo. In tourist areas Visa is readily accepted however in rural areas, Visa is less accepted and you are advised to take Indian rupee with you.

No you can not use Australian dollars or US dollars in India. The currency of India is Indian rupee. It is recognised in shops with the letters ₹ before the numerals, for example ₹50.  There are 6 banknotes each with a different colour.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

ASIC regulated

Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

You are here

Select your destination.

Currency information

Welcome to india.

In India you’ll find a fusion of serene spirituality, delectable cuisine and a vibrant jubilance like no other place. Eat, pray and love your way around, with naan a worry in the world. Treat yourself to those creamy curries, attend a tranquil yoga or meditation session and discover temples that will take your breath away.

3.5/5 stars –  There are plenty of ATMs, though not evenly spread out. You should still be able to find one even in the smaller towns, but try have cash on hand at all times.

Many expect it  from tourists

Phone and Internet access

Wi-Fi is often free, otherwise signal is  patchy

Your daily expenses won’t add up to too much, leaving you more rupees for activities and shopping.

Coffee:   AU$1.80 (regular cappuccino) Water:   AU$0.30 (330mL bottle) Beer :  AU$5 (pint in a pub) Food :  AU$2.40 (tandoori chicken) Taxi:  AU$9 (Delhi Airport – city centre) Big Mac:  AU$2.30 (the western favourite)

Daily budget

Budget:  Around AU$80/day (2x cheap meals, supermarket   snacks, a train ticket and entry to Taj Mahal) Moderate:  Around AU$150/day (3x cheap meals, supermarket   snacks, a train ticket and a bicycle tour) Luxury:  Around AU$200/day (3x restaurant meals,   supermarket snacks and Elephanta caves tour)

Safety rating

3/5 stars -  Keep yourself safe abroad by being alert when in public places, especially if travelling alone. Roads can also be a little more chaotic than ours.

Travel Money Trivia

Paper(note)-weight   Old banknotes were shredded and balled together to make paper-weights and coasters. Fair cash Small geometric shapes in raised ink are printed on the notes for the visually impaired Cutting edge coins  The INR 5 coins were once smuggled to Bangladesh to melt into razors. Multilingual money Banknotes have the amount printed on them in 17 different languages. Globe trotting dosh    Zimbabwe added the Indian rupee as a legal tender in 2014.

Let's talk money

You’re in for a spicy affair of a time in India. With super cheap daily costs, you’ll have plenty of dough to spend on naan. It’s important to remember unless you’re a citizen or permanent resident you can only bring up to INR 25,000 into the country, so you’ll have to get the rest out when  you land.

• People will try carrying your bags for tips
• Cash is the most common payment
• Keep small amounts for shopping
• Declare any more than US$5,000 at customs
• Be ready for beggars on the streets
• Perhaps skip the tap water
• You can’t take rupees out of India, so treat yo’self on the last day

Taj Mahal  It goes without saying that the iconic mausoleum is something not to be missed. The Himalayas   You can see them from a safe distance or bravely trek the mountain range yourself. Kanha National Park   Your best chance of seeing the majestic Royal Bengal Tigers in their natural habitat.   Meditation and yoga   Heal your mind, body and spirit in the country which invented the practices. Camel ride in  the Thar Dessert    Immerse yourself in the Indian desert to experience something unforgettable.

Get the best deal on your foreign exchange today & take off with more spending money. Order online 24/7 or visit one of our 130+ stores .

Travel Money Oz has sought to ensure that the information is true and correct at the time of publication. Prices, details and services are subject to change without notice, and Travel Money Oz accepts no responsibility or liability for any such changes, including any loss resulting from any action taken or reliance made by you on any information provided. Daily Cost: All prices are approximations. Your costs may differ depending on where you go, where you shop, and their individual factors. Daily Budget: Costs are estimated per person and do not include accommodation.

Why Travel Money

Indian Rupee card in Singapore

Travelling from Singapore to India? Spend effortlessly in Indian Rupees (INR) with a multi-currency card.

40+ million customers trust Revolut

Revolut offers so much more than a travel card. Exchange currencies, send money abroad, and hold 25+ local currencies in-app. These are just some reasons why our customers rely on us for their travel spending.

How does a Indian Rupee card work?

How to get your INR card

Get your Indian Rupee card in 3 steps

Get revolut.

Join 40+ million people worldwide saving when they spend abroad with Revolut.

Order your card

Order your free Indian Rupee card. Top up your balance in SGD or 30+ other currencies.

Spend like a local

Start spending in Indian Rupees.

Why should I get a Indian Rupee card?

Where is the Indian Rupee card available?

Spend confidently with a Indian Rupee card

How to save money when spending in Indian Rupees

Tips for saving money in India

Get instant payment notifications.

Feel confident your payment is successful with instant notifications. You’ll see how much you spent and get a reminder on your daily total too.

Choose INR as the local currency

Choose the local currency when spending with your card in shops and restaurants.

Save with a travel money card

Spend in Indian Rupees like a local.

How to avoid unwanted ATM fees

Need to make INR withdrawals in India?

Overseas ATM withdrawals* in Indian Rupees

Fee-free atm withdrawals up to s$ 350*, fee-free atm withdrawals up to s$ 700, fee-free atm withdrawals up to s$ 1,050.

What are you waiting for?

Save when you travel with a INR travel card

Rating as of 18 Apr 2024

4.9K Reviews

2.7M Reviews

Need a little more help?

Indian Rupee currency card FAQs

Are travel money cards safe and secure, where can i use my indian rupee travel money card, how much can i pay using my indian rupee card, how can i avoid unwanted atm fees in india.

• Send and spend in Indian Rupees and 150+ other currencies, with a great exchange rate and no hidden fees.
• No need to exchange or carry cash. Pay with your Indian Rupee card, either contactless or with chip and PIN.
• No need to wait for your physical card to arrive. Instantly add your card to Google Pay or Apple Pay.
• Create single-use virtual cards for safe online shopping or travel bookings.
• Enjoy fee-free overseas ATM withdrawals up to S$1,050 monthly, depending on your plan.
• Get instant payment notifications to keep track of how much you spend.
• Stay in control of your card’s security, with card freezing and spending limit controls.
• Easily manage your spending around the world with the free Revolut app.

How do I get a Indian Rupee travel money card?

• Download the Revolut app on your Android or iPhone and sign up for free.
• Order your free Indian Rupee card. Top up your balance in SGD or 150+ other currencies.
• Get your card in the post or add it to Google Pay or Apple Pay to use it immediately.
• Start spending like a local in Indian Rupees without hidden fees.

• Home   ›  
• Travel Money   ›  
• Indian Rupees

Compare Indian rupee travel money rates

Get the best Indian rupee exchange rate by comparing travel money deals from the UK's top foreign exchange providers

Best Indian rupee exchange rate

If you're travelling to India, it's important to shop around and compare currency suppliers to maximise your chances of getting a good deal. We can help you to find the best Indian rupee exchange rate by comparing a wide range of UK travel money suppliers who have Indian rupees in stock and ready to order online now. Our comparisons automatically factor in all costs and commission, so all you need to do is tell us how much you want to spend and we'll show you the top suppliers who fit the bill.

Compare before you buy

Some of the best travel money deals are only available when you buy online. By using a comparison site, you're more likely to see the full range of deals on offer and get the best rate.

Order online

Always place your order online, even if you plan to collect your currency in person. Most supermarkets and high street currency suppliers offer better exchange rates if you order online beforehand.

Combine orders

If you're travelling with others, consider placing one large currency order instead of buying individually. Many currency suppliers offer enhanced rates that improve as you order more.

The best Indian rupee exchange rate right now is 100.187 from Manor FX . This is based on a comparison of 9 currency suppliers and assumes you were buying £750 worth of Indian rupees for home delivery.

The best Indian rupee exchange rates are usually offered by online travel money companies who have lower operating costs than traditional 'bricks and mortar' stores, and can therefore offer better currency deals than their high street counterparts.

For supermarkets and companies who sell travel money online and on the high street, it's generally cheaper to place your order online and collect it from the store rather than turning up out of the blue and ordering over the counter. Many stores set their 'walk-in' exchange rates lower than their online rates because they can. By ordering online you're guaranteed to get the online rate and you can collect your order from the store as usual.

Indian rupee rate trend

Over the past 30 days, the Indian rupee rate is up 0.11% from 100.187 on 19 Mar to 100.297 today. This means one pound will buy more Indian rupees today than it would have a month ago. Right now, £750 is worth approximately ₹75,222.75 which is ₹82.5 more than you'd have got on 19 Mar.

These are the average Indian rupee rates taken from our panel of UK travel money providers at the end of each day. You can explore this further on our British pound to Indian rupee currency chart .

Timing is key if you want to maximise your Indian rupees, but the best time to buy will depend on the current market conditions and your personal travel plans.

If you have a fixed travel date, you should start to monitor the Indian rupee rates as soon as possible in the period leading up to your departure so that you've got time to buy when the rate is looking favourable. For example, if the Indian rupee rate has been steadily increasing over several weeks or months, it could be a good time to buy while the rate is high.

Some people prefer to buy half of their Indian rupees as soon as they've booked their holiday, and the remaining half just before they depart. This can be a good way of maximising your holiday money if the exchange rate continues to rise after you've bought, but will also help to minimise your losses if the rate drops.

You could also consider signing up to our newsletter and we'll email the latest rates to you each month.

If you need your Indian rupees sooner and don't have time to wait for the rates to improve, you can still save money by comparing rates from a range of different providers before you buy. Online travel money suppliers usually have better Indian rupee rates than high street exchanges, but supermarkets are a good compromise if you want to collect your currency in person and still get a decent rate. Just remember to buy or reserve your Indian rupees first before you collect them from the store so you benefit from the supplier's better online rate.

Indian rupee banknotes and coins

One Indian rupee (₹) can be subdivided into 100 paisa, although paisa coins are rarely used due to their low value and the smallest unit of currency you're likely to come across is the 1 rupee coin.

There are seven denominations of Indian rupee banknotes in frequent circulation: ₹10, ₹20, ₹50, ₹100, ₹200, ₹500, and ₹200; and three frequently-used coin denominations: ₹1, ₹2 and ₹5.

Indian banknotes feature 17 different languages. The majority of text is printed in Hindi and English, but the values are printed in a multitude of other languages including Bengali, Punjabi, Kashmiri and Urdu.

We couldn't find any supermarkets in the UK who are selling Indian rupees right now.

There's no evidence to suggest that you'll get a better deal if you buy your Indian rupees in India. While there may be better exchange rates available in some locations, your options for shopping around may be limited once you arrive, and there's no guarantee the exchange rates will be any better than they are in the UK.

Exchange rates aside, here are some other reasons to avoid buying your Indian rupees in India:

• You may have to pay commission or other hidden fees to a currency exchange that you wouldn't have paid in the UK
• Your bank may charge you a foreign transaction fee if you use it to buy Indian rupees when you're abroad
• It can be harder to spot scammers and fraudulent currency exchanges in India

Lastly, it can be handy to have some cash on you when you arrive at your destination so you can pay for any immediate expenses like food, transport and tips. You don't want to be searching for the nearest currency exchange when you've just landed and you're desperate for a cup of tea - or a cocktail!

Choosing the right payment method

Sending money to a company you might not have heard of before can be unsettling. We routinely check all the companies that feature in our comparisons to make sure they meet our strict listing criteria, but it's still worth knowing how your money is protected in the unlikely event a company goes bust and you don't receive your order.

Bank transfer

Your money is not protected if you pay by bank transfer. If the company goes bust and you've paid by bank transfer, it's unlikely you'll get your money back. For this reason, we recommend you pay by debit or credit card wherever possible because they offer more financial protection.

Debit cards are the most popular payment method and they offer some financial protection. If you pay by debit card and the company goes bust, you can instruct your bank to make a chargeback request to recover your money from the company's bank. This isn't a legal right, and a refund isn't guaranteed, but if you make a chargeback request your bank is obliged to try and recover your money.

Credit card

Credit cards offer full financial protection, and your money is protected by law under Section 75 of the Consumer Credit Act. Section 75 states that your card issuer must refund you in full if you don't receive your order. Be aware that many credit cards charge a cash advance fee (typically around 3%) for buying currency, so you may have to weigh up the benefits of full financial protection with the extra cost of using a credit card.

We use cookies to improve your experience on our website. Please confirm you're happy to receive these cookies in line with our Privacy & Cookie Policy .

• Customer Care Number

Internet banking

• NRI Banking
• Money2World
• Money2India

Offers especially for you!

Open an Insta Save Account.

No Paperwork, No Branch Visits, No Hassle!

ICICI Bank Credit Cards

Save more on your everyday expenses.

ICICI Bank Personal Loans

For your safe, comfortable, and convenient travel needs

ICICI Bank Home Loans

The key to your Dream Home, within easy reach

Campus Power - from a dream to a degree, with you at every step.

Solutions for student, parents and institutes.

Just getting returns on your investment?

Save Tax too, while you build your corpus!

Manage all your utility bills, smartly.

Pay bills easily, using Internet Banking.

ICICI Bank Two-Wheeler Loan

Get your dream bike now!

ICICI Bank FD

Choose certainity during uncertain times.

ICICI Bank PPF Account

A blessing for wealth creation is here for you!

Your guide to Personal Finance

A refreshing way to learn all about Personal Finance.

All it takes is 5 minutes!

Instant payout on selling shares, with the ICICIdirect Prime Account.

ICICI Bank Car Loan

Experience a seamless Car Loan process!

• Personal Banking
• Indian Rupee Travel Card – India

Want us to help you with anything? Request a Call back

Thank you for your request..

Your reference number is CRM

Our executive will contact you shortly

• Introduction
• Product Features and Benefits
• Self Care Portal
• Terms & Conditions

Your reference number is CRM 786578956

Sorry! Please check back in a few minutes as an error has occurred.

This product has been discontinued..