Handling money in India
You will need to carry cash. Credit cards are only accepted at larger businesses or hotels. Therefore you will always need to carry some cash so that you can pay for taxis, auto rickshaws, cheap hotels and your food etc. I keep all my large bills concealed under my clothing in my passport pouch.
Airports give poor currency exchange rates. Use an ATM instead or if that’s not possible only get a few thousand rupees exchanged at the airport because their rates are usually the worst in the whole country.
Use a Citibank ATM to withdraw more than 10,000rs at one time. As far as I know, all other ATMs across India will not let you withdraw more than $150 (10,000rs). With all the fees you may have in your home country this can be quite annoying and costly. Citibank allows you to withdraw whatever your daily maximum in your home country is e.g $500.
Get a fresh wad of 10 rupee notes. Go to the bank and get a crispy wad of 10 rupee notes because firstly, the 10rs notes are often disgustingly used and dirty. Secondly, it’s one of the smallest denominations of money in a note, so it will be handy for everyday purchases. Thirdly, it’s the perfect amount for tipping. Lastly, it also helps with bargaining so that you can have exact change.
Conceal your money & passport under clothing: I have had pickpockets and beggars put their hand in my pocket looking for money. Since I keep my valuables on my chest, concealed under my clothing in a passport pouch, I’ve never had anything stolen.
Use PayPal or Western Union to send money to India. If for some reason you need to send money to an Indian from your home country, I recommend PayPal and if that doesn’t work then try Western Union.
Carry cash on you under your clothes in a pouch. If you’re nervous, spread it around between wallet, passport, and luggage. In general, just don’t give people an incentive to steal. Don’t walk around with expensive things hanging out of pockets or purses. Don’t rely solely on the safe in the hotel room. It’s a good idea to have a TSA approved lock on luggage. Pay extra attention to your belongings in airports, train stations, markets, and major tourists sites. Keep digital copies of important items such as credit cards and ID etc. Otherwise, try not to stress too much.
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